Search found 2992 matches

Return to advanced search

Re: Does anyone know what's happening with GWX today?

Probably some large CG distributions in addition to the div.
by jebmke
Fri Dec 19, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Does anyone know what's happening with GWX today?
Replies: 7
Views: 569

Re: Federal Taxes - Sticker Shock (And how to reduce)

$17,000/$150,000 = 11.3% effective rate. You consider this high? You are going to be very disappointed if you get a raise. My thoughts exactly. I am green with jealousy over that tax rate, and I make less than OP! All we know is what the OP has withheld from his pay. We have no idea what his effect...
by jebmke
Fri Dec 19, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 43
Views: 2600

Re: Opinions on Vanguard VCADX?

So the dividends are tax free but if the bond price goes up I pay tax on that when I sell? The gain would be considered taxable for Federal taxes. Whether you actually pay tax on the gain depends on other facts pertaining to your tax return. As for CA, you'd have to look in the instructions for fil...
by jebmke
Fri Dec 19, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on Vanguard VCADX?
Replies: 4
Views: 547

Re: Tax Loss Carryover Schedule D

If you used tax software last year (a) the worksheet may be there and printable and (b) the carryover amounts should roll forward to this year's return. The carry forward to 2014 does not appear explicitly on the IRS's 2013 worksheet. It's certainly possible for a tax preparer to add value with a p...
by jebmke
Thu Dec 18, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryover Schedule D
Replies: 8
Views: 686

Re: VWINX declining, any ideas why?

Phineas J. Whoopee wrote:Might it be partially due to the $0.672 (investor shares) or $1.639 (Admiral shares) distribution per share that just took place?
PJW

'tis the season
by jebmke
Thu Dec 18, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3382

Re: Yahoo mail

I think about a year ago.
by jebmke
Thu Dec 18, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 1794

Re: Tax Loss Carryover Schedule D

If you used tax software last year (a) the worksheet may be there and printable and (b) the carryover amounts should roll forward to this year's return.
by jebmke
Thu Dec 18, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryover Schedule D
Replies: 8
Views: 686

Re: Yahoo mail

I use Yahoo POP for free.
by jebmke
Thu Dec 18, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 1794

Re: Yahoo mail

So ... bottom line, changing an e-mail address is out of one's control. Now, I check TWO e-mail addresses. Those who e-mail me at Yahoo don't hear back from me (or don't hear back from me in time). But that does not appear to be impacting the Yahoos who mail me there :oops: I have the same problem....
by jebmke
Thu Dec 18, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 1794

Re: How do you factor entitlements into your investing plan?

I suppose, theoretically they could shut the whole thing down and walk away. That could happen. It would be really radical. To give a idea how radical, consider that all other developed nations have a socialized retirement system of some sort. This happens, as it happened in the US because of popul...
by jebmke
Thu Dec 18, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 50
Views: 3974

Re: What desktop should I buy.

It's hard to diagnose at a distance but there is a decent chance that a clean install of windows (or Linux) would make it quite usable. This will usually cure a lot of problems. I try to do this every couple of years. I also support an inventory of 50 laptops for AARP TaxAide. We re-image these eve...
by jebmke
Wed Dec 17, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2362

Re: How do you factor entitlements into your investing plan?

I did not realize that Social Security is an entitlement program. Perhaps, if I paid nothing into Social Security, that would be an entitlement, if I expected to receive something. However, having paid the maximum to Social Security, I don't feel that the correct term is entitlement. I feel more li...
by jebmke
Tue Dec 16, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 50
Views: 3974

Re: New IRS Rule

Not sure what your question is. Prior to the ruling there was some doubt whether a direct rollover would allow one to isolate the basis in a 401(k) and direct it to a ROTH. This ruling clarifies that it can be done. Without this clarity, the safest way to do this was thought to be an indirect rollov...
by jebmke
Tue Dec 16, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 205
Views: 34254

Re: What's your withdrawl rate for 2014?

Still waiting to do my pro forma tax return so I can get a good number for tax expenses.
by jebmke
Tue Dec 16, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your withdrawal rate for 2014?
Replies: 26
Views: 2493

Re: Google Drive, DropBox, etal. - Anonymity

I set up a second Gmail account (with an anonymous name) for a variety of uses including sharing of items in the G-Drive. Dropbox works OK but it doesn't have the apps that G has and these are useful. Do you mean a second Google account ? I thought you could have a Gmail account without a Google ac...
by jebmke
Thu Dec 11, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Google Drive, DropBox, etal. - Anonymity
Replies: 14
Views: 1238

Re: Would you winterize a house for 2 months?

We keep our heat at 65 normally. How about just setting it back but high enough to keep the heat coming on from time to time to keep things from freezing. Maybe 55.
by jebmke
Thu Dec 11, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Would you winterize a house for 2 months?
Replies: 15
Views: 1492

Re: (Poll) Did you tap into emergency fund in the past 10 ye

Everything I own is in my emergency fund. I tap into it monthly.
by jebmke
Thu Dec 11, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 54
Views: 3471

Re: Retirees: Withdrawals by time and amount

PaddyMac wrote:y head spins at the possibilities when it comes time to withdraw as opposed to save like mad.

You'll get over it.
by jebmke
Thu Dec 11, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: Withdrawals by time and amount
Replies: 36
Views: 3416

Re: Stolen computer

Some online services, such as DropBox, will tell you if someone is accessing your account. You log on to the Web interface and there's an option to show recent access. When I had a tablet stolen I changed all important passwords as soon as I could and confirmed that the most crucial online accounts...
by jebmke
Thu Dec 11, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Stolen computer
Replies: 29
Views: 2347

Re: Google Drive, DropBox, etal. - Anonymity

I set up a second Gmail account (with an anonymous name) for a variety of uses including sharing of items in the G-Drive. Dropbox works OK but it doesn't have the apps that G has and these are useful.
by jebmke
Thu Dec 11, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Google Drive, DropBox, etal. - Anonymity
Replies: 14
Views: 1238

Re: Retirees: Withdrawals by time and amount

I think she meant, how do you manage your cash?
by jebmke
Thu Dec 11, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Retirees: Withdrawals by time and amount
Replies: 36
Views: 3416

Re: Retirees: Withdrawals by time and amount

I don't hold much cash so here is what I do. Most of our expenses are on two credit cards that issue statements around the end of the month. A significant amount of other expense is set up as direct debit and these are all timed to happen at the end of the month. So, by the end of the month, I prett...
by jebmke
Thu Dec 11, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Retirees: Withdrawals by time and amount
Replies: 36
Views: 3416

Re: Poll: Dividend income to match annual salary?

I would like to get a general idea of how long it took for your dividend income (from index funds) to match or exceed your annual salary. For me I see this as the 'euphoria' of investing. The day that someone no longer has to worry about staying employed. I guess bondholders have to work til they d...
by jebmke
Wed Dec 10, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3582

Re: Transferring files onto a new computer

Sorry if this sounds dumb.... I suppose program files need to be re installed...is this correct? 1210 I've started keeping a log of software installs so that when I need to reinstall I don't have to rely on my memory. It can be easy to overlook how many different programs you rely on. Just looked a...
by jebmke
Mon Dec 08, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 30
Views: 2029

Re: Tax Planning - Bunching of Deductions

I believe your understanding is correct. Unless you can 'bunch' to the point where your itemized deductions are lower than the standard deduction every other year (and therefore take the higher standard deduction for your taxes that year) there is no point in deferring any deductions. Not quite. If...
by jebmke
Mon Dec 08, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning - Bunching of Deductions
Replies: 12
Views: 1079

Re: IRS Form 5498 - IRA Contribution Info

Tom:

My wife gets an RMD from an inherited IRA. There is no 5498 in the online tax center for this account. Let me know if you find out anything.
by jebmke
Sun Dec 07, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRS Form 5498 - IRA Contribution Info
Replies: 3
Views: 343

Re: Is it safe to leave Laptop in hotel room

I would definitely make sure that every account has a password on it--that is, when you turn it on or open it up, you have to enter a password before you can do anything. I'd go beyond that and encrypt all the data on the laptop including the data that resides in the windows "appdata" dir...
by jebmke
Sat Dec 06, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7357

Re: Tips for post shoulder surgery

I'd follow the post-surgical advice that I got from my doctor.
by jebmke
Thu Dec 04, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Tips for post shoulder surgery
Replies: 9
Views: 685

Re: Hypothetical - Index Funds Don't Exist

I would look for a very low cost, low turnover active fund that tracked the index I was interested in. Then pay attention to make sure there isn't a lot of style drift. I do this with bonds already.
by jebmke
Thu Dec 04, 2014 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical - Mutual Funds Don't Exist
Replies: 26
Views: 1829

Re: HSA reimbursement several years later?

Yes, this is a valid strategy. I did this for a couple of years and then decided to go ahead and get the reimbursements done and behind me since it isn't that big number anyway. I can vouch for the fact that you need to retain the receipts. On one recent audit, the IRS asked for all documents reconc...
by jebmke
Thu Dec 04, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA reimbursement several years later?
Replies: 2
Views: 514

Re: Amazon product restricted to Prime members. Is this new?

gerrym51 wrote:once you get prime you almost never stop.

That's how heroin and cigarettes work as well.
by jebmke
Thu Dec 04, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4112

Re: Oil wells

Right, don't get me wrong please. We donate very significant dollars and have a fund set for that. This is on a completely different scale as far as $ go though... OK, I'm not getting you wrong, but perhaps making a 10 times or 20 times normal donation would still be useful. That is what we did. Tw...
by jebmke
Thu Dec 04, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Oil wells
Replies: 12
Views: 1239

Re: FIRECalc, What does it cost to really live

Found the first flaw - they list alcohol as discretionary. :P
by jebmke
Tue Dec 02, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: FIRECalc, What does it cost to really live
Replies: 8
Views: 1545

Re: Best market solution for a large car/SUV for roadtrips?

tyrion wrote: And dogs might not mix well with rental cars, I don't know.

or friends
by jebmke
Tue Dec 02, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best market solution for large car/small SUV for roadtrips?
Replies: 17
Views: 1488

Re: [Poll] What's Your Tax Prep Strategy?

I use Taxwise. Not listed.
by jebmke
Tue Dec 02, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 62
Views: 3291

Re: Bogleheads.org android / iphone app

JMacDonald wrote:I don't live my life on my iPhone 6 or on Bogleheads.org; but when I have used my iPhone 6 to look at this website, I find it easy to use and don't have the need for and app.

I use Opera on my Galaxy S3 and it works fine.
by jebmke
Tue Dec 02, 2014 11:02 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 23
Views: 2650

Re: swimming pool pumps

Going to bump this thread since it's a year old and my question is basically identical to the OP. Any specific makes/models that folks would recommend for a energy efficient pool pump replacement? Thanks, Valdeselad Is it the pump that died or just the motor? Motors are a commodity and they are pre...
by jebmke
Mon Dec 01, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: swimming pool pumps
Replies: 14
Views: 1641

Re: High quality winter sock

Spouse and I both vote for Smart Wool. Same here. I even wear them in the summer with hiking shoes. The wool breathes pretty well. They have lightweight ones that are fine for summer except in the hottest weather. In the winter, if I really need insulation I wear an old pair of thin dress socks (ca...
by jebmke
Sun Nov 30, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: High quality winter sock
Replies: 35
Views: 2191

Re: Selling a rented house

Why not just send a certified mail letter notifying the tenant that you are not going to renew the lease when the existing lease expires. The lease was only for the first year. The tenant has been month-to-month for the past decade. In many cases, the terms of the original lease still hold. There i...
by jebmke
Sat Nov 29, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling a rented house
Replies: 39
Views: 3085

Re: Back-up Drive - Local or Cloud? Which?

The "files" did download were either empty or corrupted. The "help" to "click within the box" (after logging in)? NO "BOX" to "click". And no response. This is exactly why it is critical to periodically do test restores (even if only a sample) to ve...
by jebmke
Mon Nov 24, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 2854

Re: Cold weather gloves

If you can't use choppers, then what I do is use a pair of very thin "runners" gloves and the choppers. When I have to use a tool I take the choppers off and work, once done, the choppers go back on. I don't have a good answer if you need a lot of dexterity all the time. That is my proble...
by jebmke
Sat Nov 22, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Cold weather gloves
Replies: 13
Views: 1447

Re: Storing/Organizing Memory Sticks

I'm getting flashbacks to the bad old days when my files were on 500 floppies. It's probably cheaper and IMO easier to get a couple of terabyte drives and put everything on one with the other as use as an automated backup whenever you plug the primary into your computer overnight. The only reason I...
by jebmke
Sat Nov 22, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Storing/Organizing Memory Sticks
Replies: 25
Views: 1669

Re: Send text messages from PC to Cell Phone

Google Voice
by jebmke
Fri Nov 21, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3102

Re: What doyou splurge on?

cheese_breath wrote:Ice cream.

Like chocolate, beer, wine ... this is one of those "if you aren't going to do it well, don't do it at all." Not worth the calories for the junk.
by jebmke
Fri Nov 21, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19679

Re: What doyou splurge on?

Don't know if I'd call it splurge but I only buy comfortable shoes, without regard to price.
by jebmke
Fri Nov 21, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19679

Re: thinking of opening a franchise

To me , buying a franchise is like buying yourself a job. Why would you do that? I agree. With some minor exceptions. A group of lawyers bought up most of the DD stores in the Boston area and reorganized the whole operation. They centralized the "donut production" in a warehouse in Cambri...
by jebmke
Thu Nov 20, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: thinking of opening a franchise
Replies: 21
Views: 3081

Re: Europe off-season (late Jan), 11 days, $3K budget

It won't be as dark as mid-December but the days will still be quite short. Assume it will be cold and rainy and prepare accordingly. I'd consider Florence, Barcelona if you want second tier cities. I don't know Barcelona well at all (only there a couple times) but in Florence you can easily dedicat...
by jebmke
Thu Nov 20, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Europe off-season (late Jan), 11 days, $3K budget
Replies: 19
Views: 1785

Re: Deciding When to Retire

Maybe there is a middle ground. Do the vacations every other year for 2-3 years; conserve on but don't eliminate the cross country trips. I found that when I retired I got active doing things locally and we literally stopped traveling for a couple of years (I had traveled a lot in my job so it was a...
by jebmke
Sat Nov 15, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 5499

Re: Vanguard Charitable Endowment

We have had a charitable account with VG for many years. Easy to use, have no problems transferring securities across from taxable. The $500 minimum doesn't really cause us any problem. We still do a handful of small donations out of our taxable account each year.
by jebmke
Fri Nov 14, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Charitable Endowment
Replies: 6
Views: 606
Next

Return to advanced search