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Re: Security Risk in Donating Appreciated Vanguard Shares

We do everything through a VG DAF. Online donation of securities, online grants to charities. No fuss, no muss.
by jebmke
Tue Apr 22, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Security Risk in Donating Appreciated Vanguard Shares
Replies: 6
Views: 328

Re: Why is the price so low for option? Is this real?

One of the nice things about stocks (long positions) is that the most you can lose is all your money. With options, that isn't true. Good luck.
by jebmke
Tue Apr 22, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 20
Views: 1040

Re: Why is the price so low for option? Is this real?

Give it a try. Buy 100,000 puts and see if you can turn it into something.
by jebmke
Tue Apr 22, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 20
Views: 1040

Re: [Eating] Fish

Other than some local fish like flounder and rockfish in our area, everything comes in flash frozen. We normally ask for a frozen piece and thaw it overnight in the fridge ourselves -- that way we know we aren't getting something that was thawed a couple days ago and sat around unsold.
by jebmke
Tue Apr 22, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 109
Views: 7318

Re: Why is the price so low for option? Is this real?

so your going in price is $4.29+.45 or $4.74 which you can turn around and sell for $5.00. Do I have that right? I'm not a student of options so I may have this wrong.
by jebmke
Tue Apr 22, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 20
Views: 1040

Re: Why is the price so low for option? Is this real?

You will have to produce the shares, either from your holdings or borrowing them, right. Do you own the underlying shares on which the put would be written?
by jebmke
Tue Apr 22, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 20
Views: 1040

Re: US NEWS 9 Most Affordable Placs 2 Retire

Valuethinker wrote: You mean... Sweden? ;-).

Yes, they certainly speak English better than we (USians) do.
by jebmke
Tue Apr 22, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: US NEWS 9 Most Affordable Placs 2 Retire
Replies: 21
Views: 2494

Re: Is Stopping SPAM on Yahoo Possible?

CountryBoy wrote:Yes, they do appear in the special SPAM folder, but it is in such quantity that it makes me think I am doing something wrong.

I wouldn't worry about it.
by jebmke
Sun Apr 20, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Is Stopping SPAM on Yahoo Possible?
Replies: 17
Views: 852

Re: Is Stopping SPAM on Yahoo Possible?

Does it show up in your regular inbox of in the spam folder? I get a lot in the spam folder but that is what it is for.
by jebmke
Sun Apr 20, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Is Stopping SPAM on Yahoo Possible?
Replies: 17
Views: 852

Re: Possible fraud? Getting mail about a car I don't own.

Your name is in the aether, as is your address. You will never get them back. Google, Facebook, and the NSA can piece together all the scraps of your life, even the Ford Explorer you never owned. You may think you never owned it, but once it is in the master data base, yes, you owned it and you alw...
by jebmke
Sun Apr 20, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Possible fraud? Getting mail about a car I don't own.
Replies: 16
Views: 1404

Re: Binocular Recommendation Request

A minute or two on Amazon shows an 8x42 Bushnell for 80 odd bux, and some Leupolds for $170 something. I mention Leupold because they have a reputation for very solid riflescopes. As someone else mentioned, birder forums would probably be the place for good info. We looked at a lot of manufacturers...
by jebmke
Sun Apr 20, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 13
Views: 585

Re: Binocular Recommendation Request

For general use I would not go more than 8x. Also, make sure you try out any pair you consider. There are a lot of specs that affect people differently (eye relief ...) so there is no way to buy binoculars without trying them (for example, Vortex is an excellent brand but I was unable to make them w...
by jebmke
Sat Apr 19, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 13
Views: 585

Re: Question about IRS Online Payment from Checking Account

Thanks Huey. Accountant put the draft date as 4.11.14. But I'm nearly positive the return wasn't submitted until 4.14.14. I have emailed the accountant and he told me not to worry. You are correct. I need to call him. Thanks again. Please report back what you find. I file about 250 returns a year. ...
by jebmke
Sat Apr 19, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 24
Views: 865

Re: Question about IRS Online Payment from Checking Account

I filed for an extension but I used EFTPS to make my payment. The debited my account on the date I requested.

Did they not follow the date you specified on the ACH form?
by jebmke
Sat Apr 19, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 24
Views: 865

Re: Dehumidifier for humid basement. I want one that lasts.

A crawlspace expert I spoke with recommended Santa Fe. Not cheap.

Most retail dehumidifiers become very inefficient at lower temperatures.
by jebmke
Fri Apr 18, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 12
Views: 928

Re: In reference to Heartbleed, are Google Docs safe?

teacher wrote:Oh, THANK-YOU, Nummerkins. That's a great website!

Even though it appears fixed, if you had a Google account prior to the fix, I think you need to change your account password and other security items (secret questions).
by jebmke
Wed Apr 16, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: In reference to Heartbleed, are Google Docs safe?
Replies: 9
Views: 370

Re: In reference to Heartbleed, are Google Docs safe?

Considering the Heartbleed security issue, does anyone feel uncomfortable using Google Docs to track their portfolio? Google was on the list of insecure sites. I don't know whether they have addressed the security issue. I wouldn't put anything sensitive in there (like account numbers). Also, keep ...
by jebmke
Wed Apr 16, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: In reference to Heartbleed, are Google Docs safe?
Replies: 9
Views: 370

Re: making your own will or trust

Retread wrote:Yes, and you probably are qualified to do your own root canals

I wondered why my wife bought me that new Dremel Tool.
by jebmke
Wed Apr 16, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: making your own will or trust
Replies: 29
Views: 1687

Re: Did not have fun this year doing my taxes- TT

I don't think we need the IRS preparing a first draft of anyone's taxes, because the next step will be refuting their numbers, instead of them verifying ours. A bit of a semantic difference. Their matching is less about verifying your data than it is about imposing their data if yours doesn't agree...
by jebmke
Wed Apr 16, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 42
Views: 4042

Re: Options used to fund ROTH after retirement?

papiper, I can assure you they do count. The safe harbor for IRA contributions with respect to W2 income is Box 1 less Box 11. My option profits (NSO's) show up in Box 1 on a W-2 from my former employer. I make sure to exercise enough options each year to realize $13,000 of income to cover Roth for...
by jebmke
Tue Apr 15, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options used to fund ROTH after retirement?
Replies: 11
Views: 547

Re: Stocks: How Bad It Can Get

Taylor Larimore wrote:
Cosmo wrote:So what action can I take on this information?

Cosmo:

Allocate a sufficient amount of bonds in your portfolio so that you will not lose sleep or sell during the next bear market.

Best wishes.
Taylor

Or make sure you are at sea when the market takes a dive. :wink:
by jebmke
Tue Apr 15, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5370

Re: Last Minute Help with Foreign Tax Paid and 1099R

If the foreign tax is < $300 (if filing single) or $600 (if filing married) you can enter the tax amount directly on the 1040 on line 47. Right, I know that. That doesn't answer my question #3. I really don't know what TA requires but if your foreign passive income is less than $20K you don't have ...
by jebmke
Tue Apr 15, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 325

Re: Last Minute Help with Foreign Tax Paid and 1099R

If the foreign tax is < $300 (if filing single) or $600 (if filing married) you can enter the tax amount directly on the 1040 on line 47.
by jebmke
Tue Apr 15, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 325

Re: Options used to fund ROTH after retirement?

More specifically, "compensation". NQ options income does not qualify.
by jebmke
Tue Apr 15, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options used to fund ROTH after retirement?
Replies: 11
Views: 547

Re: Last Minute Help with Foreign Tax Paid and 1099R

Not knowing how much foreign tax was withheld from your distributions, I am going to punt and suggest completing form 1116. It looks scary but for passive investments in funds (RIC) it is really quite simple.
by jebmke
Tue Apr 15, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 325

Re: Estimated taxes on capital gains later offset by losses

although filling out Form 8606 comes close. Form 8889 is pretty good as well. Schedule D is remarkably simple, especially in answering questions about treatment of tax loss carry-forward. I sometimes have to "chastise" my preparers for not reading the words on the form they are completing...
by jebmke
Tue Apr 15, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes on capital gains later offset by losses
Replies: 7
Views: 491

Re: message questions

Actually, my email doesn't work like yours. Sometimes the server is down or my internet connection is down, and the mail I send sits in my Outbox in Apple Mail. I thought all email programs had outboxes, but perhaps not. Because I use Thunderbird with Gmail, mine works this way as well. Years ago I...
by jebmke
Tue Apr 15, 2014 10:10 am
 
Forum: Forum Issues and Administration
Topic: message questions
Replies: 11
Views: 302

Re: Savers credit question

Retirement savings credit is non-refundable. Can only be used to reduce your tax liability.
by jebmke
Sat Apr 12, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Savers credit question
Replies: 3
Views: 545

Re: Tax Question: How to Depreciate Water Heater?

I agree with Huey. My reasoning would be that I could, without reducing the value of the remaining asset, disconnect the HWH and put it in another unit. Like a refrigerator but a little more work.
by jebmke
Sat Apr 12, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 920

Re: deferred comp plans

Depends on how much risk you want to take. I assume you are talking about a NQ plan which is only backed by the company (you become a general creditor). Many of these don't even have segregated funding.
by jebmke
Fri Apr 11, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: deferred comp plans
Replies: 20
Views: 1439

Re: Errors on 1099R, What happens?

livesoft wrote:We have a similar problem. Bu we file for an extension and will wait until the correction of the correction of the correction of the corrected 1099R gets to us.

This is what I would do. OP, your tax return isn't due until October 15. You have plenty of time to sort this out with ING.
by jebmke
Fri Apr 11, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Errors on 1099R, What happens?
Replies: 4
Views: 282

Re: Tax audit poll

sscritic wrote: jebmke wrote:

sscritic wrote:What's an audit?


Letter 566.


Interesting. The IRS doesn't include it in the list of notices and letters (from CP01 to CP3219N, from Letter 0484C to Letter 5071C).


Maybe I am getting personalized letters :shock:
by jebmke
Fri Apr 11, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax audit poll
Replies: 19
Views: 984

Re: TaxAct HSA Question

The amounts taken out of your paycheck pre-tax for your health insurance are not "contributions" and have nothing to do with how your HSA is reported. Are you sure about that? I mean that $1,500 goes into my HSA and counts against my contribution limit. Are you saying I don't need to put ...
by jebmke
Fri Apr 11, 2014 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct HSA Question
Replies: 8
Views: 468

Re: Tax audit poll

sscritic wrote:What's an audit?


Letter 566.

Dear Taxpayer:

We are examining your 2010 federal income tax return. We need you to provide us with additional information to substantiate the items checked below that you claimed on your return.

Long list of items with check boxes -- some checked some not
by jebmke
Fri Apr 11, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax audit poll
Replies: 19
Views: 984

Re: KeePass vs LastPass

Another KeePass fan here. I share the same database file between Linux and Windows 7. The main reason I use KeePass is because it's totally offline - which is the "Trust No One" security model. For those who don't have administrator rights on their PC, also give Portable Firefox a try. It...
by jebmke
Thu Apr 10, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6000

Re: heartbleed - widespread internet security problem

Info_Hound wrote:However I am not feeling good about Comcast

Has anyone ever felt good about Comcast?
by jebmke
Thu Apr 10, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16489

Re: Tax deductions from charities

Theoretically, a giver with a tax break should be willing to give more. At the top end of the tax bracket, if I'm willing to fork over $600 to a charity, I should be willing to give $1000 and get $400 back from the goverment. Without the tax break, the charity would only get $600 from me. Of course...
by jebmke
Thu Apr 10, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions from charities
Replies: 31
Views: 1658

Re: Vanguard website & Heartbleed security flaw

sscritic wrote: You will be merged, sooner or later.

Very Borg-like.

Maybe the search box should be BIGGER.
by jebmke
Thu Apr 10, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16489

Re: Tax audit poll

Two years in a row. Schedule A. The first year was due to a very large claim of right deduction. The second one was due to a large-ish donation of appreciated shares to our DAF. Both times were "desk audits" but they requested all documents supporting all entries on Schedule A. In the seco...
by jebmke
Thu Apr 10, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax audit poll
Replies: 19
Views: 984

Re: KeePass vs LastPass

SnapShots wrote:How secure is DropBox? Or, Google Drive for that matter?

I wouldn't put anything sensitive there without encryption.
by jebmke
Thu Apr 10, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6000

Re: TaxAct HSA Question

111 wrote:I'm not sure why they have a separate "W-2 Box" type.


The W and amount in Box 12 kick the value to Line 9 on Form 8889 so you can finish that form for your HSA.
by jebmke
Thu Apr 10, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct HSA Question
Replies: 8
Views: 468

Re: heartbleed - widespread internet security problem

It appears that USAA has implemented a patch. I guess that means that one should change that PW and all related security codes (secret questions, online PIN). https://communities.usaa.com/t5/USAA-News/USAA-Takes-Measures-Against-Heartbleed-Bug/ba-p/25876?sf24845029=1 04-09-2014 01:15 PM heart-bleed....
by jebmke
Thu Apr 10, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16489

Re: Heartbleed Security Flaw

teacher wrote: I can't find any discussion


What popped up when you put "heartbleed" in the search box? Perhaps the search system isn't working.
by jebmke
Thu Apr 10, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16489

Re: Tax deductions from charities

You can deduct sales tax even if there is a state income tax. You can't deduct both, but sometimes the sales tax is higher even in a high tax state like NY. Also, sometimes it is better to take the sales tax deduction instead of the income tax deduction even if the sales tax is lower due to the way...
by jebmke
Thu Apr 10, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions from charities
Replies: 31
Views: 1658

Re: Always understand taxes do not trust software

Mudpuppy wrote:It's just a matter of how to account for the difference between what's on my 1098 for real estate taxes and what's actually deductible.


Just report the deductible part. I've done hundreds of these and it doesn't matter that the amount on Schedule A disagrees with the 1098.
by jebmke
Thu Apr 10, 2014 8:33 am
 
Forum: Personal Consumer Issues
Topic: Always understand taxes do not trust software
Replies: 33
Views: 2748

Re: Always understand taxes do not trust software

sarahjane wrote:TT Deluxe this year wouldn't handle CGs. Necessary to upgrade to Premiere.

According to Intuit, Deluxe has Schedule D and Form 8949.

https://turbotax.intuit.com/personal-ta ... deluxe.jsp
by jebmke
Wed Apr 09, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Always understand taxes do not trust software
Replies: 33
Views: 2748

Re: Tax deductions from charities

My gifts to charity are given without regard to tax benefit. I count them as deductions when I can but that is not WHY I give them. I think that is true for many people. I do a lot of tax returns for low-middle income people. Most do not itemize and many give substantial donations to their church w...
by jebmke
Wed Apr 09, 2014 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions from charities
Replies: 31
Views: 1658

Re: 401K rollover to Roth IRA

Hi guys, I am completing a form by my employer as I switch to a new job. However, my new job does not have a retirement savings account so I am going to directly rollover my 401K to my Roth IRA. When completing the form there is a section about withholding taxes. The options are: 1. Do not have fed...
by jebmke
Wed Apr 09, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K rollover to Roth IRA
Replies: 6
Views: 330

Re: Income Investing

JoMoney wrote:I think it's a mistake to think of a share of stock as your principle, and that only spending dividends is not touching the principle.

When dividends are reinvested, do they become principle? Does it happen instantly or is there a vesting period? :P
by jebmke
Wed Apr 09, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Income Investing
Replies: 19
Views: 1760
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