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Re: Gas station etiquette

I routinely make the same maneuver. If someone were waiting I'd probably roll my window down and ask them if they were going to use that space or just point and shrug. If someone had been in front of him and taking longer he would have had to pull into the center anyway. I doubt he had any real conc...
by jebmke
Thu Aug 28, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2333

Re: Help wanted: After 20+ years finally looking at expenses

portfolio with the overall expense ratio of about 0.15%. Ours is probably pretty close to that. No reason why OP can't get down to 20bp or lower without much effort. Agree with other comments, holdings are much to complicated. Without knowing what the unrealized gains are, it is hard to map out a s...
by jebmke
Thu Aug 28, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help wanted: After 20+ years finally looking at expenses
Replies: 10
Views: 890

Re: Policy on changing Passwords

It is safest not to allow computer programs to remember your passwords. I don't for any "risk" accounts. Only for low risk accounts like NYT, Washington Post .... Not a lot at stake if a hacker gets into my online subscription to the NYT. Now you know that I am at risk, you have no idea w...
by jebmke
Thu Aug 28, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 10
Views: 629

Re: Tax loss harvesting

I always use Spec ID (except for some short term muni funds which aren't volatile).

One of the side-effects of the great TLH of '09 was that we were able to consolidate almost all our equity slices into one lot. Not that it matters.
by jebmke
Thu Aug 28, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 26
Views: 1010

Re: Policy on changing Passwords

I'm confused. Your browsers have passwords on them? I don't know about other browsers but Firefox does. I allow FF to store passwords for low risk sites (like this one). However, when I open the browser it prompts me for a master password, which is long, complex but easy for me to remember. Without...
by jebmke
Thu Aug 28, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 10
Views: 629

Re: Tax loss harvesting

Yes, it would be a wash sale if the identical fund were swapped between taxable and tax-deferred.
by jebmke
Thu Aug 28, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 26
Views: 1010

Re: Tax loss harvesting

Not difficult. My larger point is that there is not a direct equivalent when staying in Vanguard. So while maybe you transfer from VTSAX to say VFIAX for your 31 days, they are not identical. Perhaps not a big deal for 31 days as you will capture most of the upside if there is any. Even over a few ...
by jebmke
Thu Aug 28, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 26
Views: 1010

Re: No car for 10 years - should I scratch the itch?

Over the past few years I have been renting cars more often, mostly for snow sports trips or weekend camping. It has worked well from a transport standpoint - I always get a newer, well-maintained car in good condition, and after the trip is over, I don't have to worry about parking it in the city ...
by jebmke
Thu Aug 28, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: No car for 10 years - should I scratch the itch?
Replies: 26
Views: 1559

Re: What next after exhausting tax advantaged retirement?

Taxable accounts are under-appreciated. I am in de-accumulation phase. With the equity run-up I have been gradually selling off equity to re-balance and to pay bills. With all the tax-loss carry-forwards I banked in 2008-08 I have yet to pay any tax on any equity sales.
by jebmke
Thu Aug 28, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: What next after exhausting tax advantaged retirement?
Replies: 3
Views: 448

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Jack FFR1846 wrote:(sort of like the third half of Car Talk)?


They did have an episode when a caller swore that the gas mileage in the first half of the gas tank was higher than the mileage in the second half. Maybe there is some relationship there.
by jebmke
Thu Aug 28, 2014 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 13
Views: 1961

Re: Seeking New Mobile Service Provider

If you are the outdoors type and expect to be taking advantage of what Colorado offers outside of the Denver metro area, check the coverage maps. When we were there with family members last year, VZ had good coverage but AT&T and Sprint was very spotty in the rural areas.
by jebmke
Mon Aug 25, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Seeking New Mobile Service Provider
Replies: 5
Views: 433

Re: Taking Advantage of Lower Tax Rates

One will need to do some pro forma tax returns to see how it all shakes out. OP - don't skip this important step. Tools like I-ORP are good for general planning but their tax calculations are usually simplistic. The only way to know for sure what the marginal tax rate is on conversion is to do a re...
by jebmke
Sun Aug 24, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking Advantage of Lower Tax Rates
Replies: 4
Views: 712

Re: No room on your Windows hard drive? Cleanup Update files

I keep my OS in a separate "small-ish" partition. I did this clean up earlier this summer and it freed up a significant amount of space percentage-wise. I also noticed that it seemed to significantly shorten the time to run a malware scan. Those programs must scan those update files.
by jebmke
Sun Aug 24, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3171

Re: What documents should you never throw away?

How necessary is it to save the original copies of the various tax related forms? I scan everything and save to multiple drives, and if the situation came up where I got audited, my plan was to simply print the relevant PDFs. I don't think there is any need to keep originals. I keep the originals f...
by jebmke
Sat Aug 23, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: What documents should you never throw away?
Replies: 17
Views: 1620

Re: What Book Are You Currently Reading? Part V

Just finished The Gods of Guilt by Michael Connelly.

Starting The Heist by Daniel Silva.
by jebmke
Wed Aug 20, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1106953

Re: Dividend income strategy: Pick the fund with highest yie

livesoft wrote:Unrealized capital gains are taxed at an even lower rate than dividends. Why not go for unrealized capital gains instead?

It is even better than that. If the unrealized gains turn negative you can harvest them and take up to $3,000 off your ordinary income when you do your taxes.
by jebmke
Wed Aug 20, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend income strategy: Pick the fund with highest yield?
Replies: 9
Views: 898

Re: Health Insurance Premium is HSA eligible expense?

IRS Publication 969 is the best place to look. Page 8 says that insurance premiums are not covered with some exceptions. COBRA is one exception but not the only one.

http://www.irs.gov/pub/irs-prior/p969--2013.pdf
by jebmke
Fri Aug 15, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Premium is HSA eligible expense?
Replies: 12
Views: 1387

Re: Why would a passive investor use ETFs?

I used ETFs for SV and international tax loss harvesting in '08-09 because the funds either had redemption fees and/or VG had no reasonable equivalents for the swap. Even though I made quite a few trades during that down-tick, I still consider myself a passive invester
by jebmke
Fri Aug 15, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3702

Re: Trex deck pressure washing - questions

If mildew is your main problem, I'd use "Wet and Forget" which you can get at Costco or many hardware stores. Spray it on with a garden sprayer and forget about it. In a couple months your deck and railings will look new, with no damage from pressure washing. I'm not affiliated in any way...
by jebmke
Fri Aug 15, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Trex deck pressure washing - questions
Replies: 9
Views: 1052

Re: Getting (more) accurate readings from scale

I can guess my weight within a pound, based on how my clothes fit.
by jebmke
Fri Aug 15, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Getting (more) accurate readings from scale
Replies: 11
Views: 1088

Re: Where to live? She works in Boston, he works in Worceste

I'd look at Newton or maybe even Brookline. The commute west on 90 shouldn't be too bad - most people should be going the other way.
by jebmke
Thu Aug 14, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2150

Re: Where do you store your important documents?

ncg1983 wrote:will protect from fire

Probably not a good house fire.
by jebmke
Wed Aug 13, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3249

Re: MFA and MLPs

kirby9873 wrote:9 pct that is quite safe


To quote Taylor, if it sounds too good to be true, it probably isn't.
by jebmke
Wed Aug 13, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: MFA and MLPs [Master Limited Partnerships]
Replies: 11
Views: 583

Re: What do you put in your safety deposit box?

JW Nearly Retired wrote:I don't count the home safe contents surviving much of a home fire.

They won't likely survive a decent house fire.
by jebmke
Wed Aug 13, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you put in your safety deposit box?
Replies: 68
Views: 10647

Re: Where do you store your important documents?

For people who are keeping the only copies of important documents at the lawyer's office, a caution: I did that with my original will and trust, and when several years later I wanted to update them, it turned out that the attorney had passed away and the files were gone. This was a respected attorn...
by jebmke
Tue Aug 12, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3249

Re: Writing Off A Bad Loan

If I read the info correctly in 550, this would appear to be a non-business bad debt which would be taken as a capital loss whenever the debt was deemed worthless. I'd get a professional to guide you. It may be that you have to take the capital loss in a prior year (2011 and later are open and can b...
by jebmke
Tue Aug 12, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Writing Off A Bad Loan
Replies: 7
Views: 495

Re: Two factor identification and your password safe

Seems to be limited to web-based managers.
by jebmke
Mon Aug 11, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2023

Re: Dealership wants to buyback my car

I recycle everything I get from car dealers.
by jebmke
Mon Aug 11, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3416

Re: Emergency Fund - What to do?

For that amount, I'd consider an online savings account. Something like AMEX or Ally.
by jebmke
Mon Aug 11, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund - What to do?
Replies: 8
Views: 964

Re: Where do you buy clothes?

One thing I don't cut corners on is shoes. When I first went to a podiatrist with a foot problem, he said that most of his patients were there due to shoes that were cheap or wrong for their feet.
by jebmke
Mon Aug 11, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9092

Re: 3.3% Vanguard 10 year CD

Therefore, I suspect this is not money that will be placed in a tax-deferred account. Therefore, TIPS are really not an option, as some posters have suggested. You are right. I missed that. Not used to seeing taxable fixed income in taxable accounts. TIPS would not be good. OP hasn't mentioned what...
by jebmke
Mon Aug 11, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: Carry on Luggage Restrictions

I'm flying from Portland (Oregon) to Sacramento during the Thanksgiving holiday. I'll probably fly Southwest. Two bags are checked free on SW, so just check your large bag and make sure no prohibited items are in your carry-on and life is easy. That's what we do now. I don't like having to drag lug...
by jebmke
Sun Aug 10, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Carry on Luggage Restrictions
Replies: 24
Views: 1627

Re: Partial transfer from Ameritrade to Vanguard

VTI is the EFT, correct? What is your goal here? The ER on VTI is already down to 10bp. Were you planning to convert the VTI back to a mutual fund in the VG account?
by jebmke
Sun Aug 10, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Partial transfer from Ameritrade to Vanguard
Replies: 8
Views: 556

Re: Fear of Disclosing Net Worth

Here are your choices: Get a financial review based on numbers you just made up. Get a financial review based on real numbers. Don't get a financial review. I assume you already have money at TIAA since you are considering them as the reviewer. They already know something about you (as they do I). ...
by jebmke
Sun Aug 10, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8119

Re: 3.3% Vanguard 10 year CD

I have nothing against CDs. I don't use them myself but I am sure they make sense for a lot of people. I am not a fan of long duration in nominal fixed income. I keep my average duration of nominals about 3. TIPS work well for long durations because there is insurance against unexpected inflation wh...
by jebmke
Sun Aug 10, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: 3.3% Vanguard 10 year CD

Forgive me my arrogance, you when I started this thread I clearly stated that I already max out my I and EE series bonds, so please read the thread before making comments that already were addressed. That wasn't me. Please be more careful when quoting. If you would be kind enough to edit your post ...
by jebmke
Sun Aug 10, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: 3.3% Vanguard 10 year CD

Also some contradiction I am comfortable with taking the inflation risk if my yield is above average. No contradiction at all, let me extrapolate my statement, I am comfortable taking the inflation risk if the yield of my CD is at or above average inflation. Otherwards if the yield is 3% or higher ...
by jebmke
Sat Aug 09, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: FICO to raise credit scores

This raises an interesting question. Is there a limited amount of money available for consumer lending? I think there is. If so, it doesn't matter if everyone's score goes up. There's always someone in last place. What if they forget to adjust the algorithms used to package this stuff into asset ba...
by jebmke
Sat Aug 09, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: FICO to raise credit scores
Replies: 11
Views: 1826

Re: 3.3% Vanguard 10 year CD

Also some contradiction

ArthurO wrote:I am comfortable with taking the inflation risk if my yield is above average.
by jebmke
Sat Aug 09, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: What are you doing re charitable giving (money, not time

My wife's employer matches the first $5k of charitable donations, a benefit I guess we are now leaving on the table. Maybe we should donate the $5k/year to the B & M Gates Foundation for the match. Check the policy to make sure you can do this. My employer matched but only actual charities, not...
by jebmke
Sat Aug 09, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1526

Re: 3.3% Vanguard 10 year CD

10 years is a long time with no inflation protection.
by jebmke
Sat Aug 09, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: It won't matter if your password gets stolen

I have no plans to ever use a biometric identifier. Just imagine the problems remediating the theft and misuse of your finger, iris, or retina if biometric technologies were widely adopted. You could face hundreds or thousands of hours convincing credit agencies and governments that your identity w...
by jebmke
Sat Aug 09, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: It won't matter if your password gets stolen
Replies: 20
Views: 2381

Re: Carry on Luggage Restrictions

The business travelers that are my cohort have this down pretty well. I never traveled with more than my 22-inch Tumi -- even on a two week multi-country hop across Asia. It is easier for business travelers to travel very light. Helped to have an expense policy that reimbursed cleaning. Plus I was ...
by jebmke
Sat Aug 09, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Carry on Luggage Restrictions
Replies: 24
Views: 1627

Re: 3.3% Vanguard 10 year CD

denovo wrote:10 yr tbond has a 2.52 rate. 3.3 isn't a large enough premium for a 10 year commitment, depending on what the penalty is for cancellation.

It is brokered. Can't cancel it. Can only sell, I suppose.
by jebmke
Sat Aug 09, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: mixing retirement sources when rolling into an IRA

Leeraar wrote:The only other wrinkle I see it that 401ks and IRAs may be treated slightly differently in bankruptcies, lawsuits, and divorces.

And state income taxes in Maryland.
by jebmke
Sat Aug 09, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: mixing retirement sources when rolling into an IRA
Replies: 2
Views: 243

Re: Best websites to buy quality meat for grilling?

We have ordered gifts from Lobels which were well received. Never tried it myself.
by jebmke
Sat Aug 09, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Best websites to buy quality meat for grilling?
Replies: 22
Views: 2674

Re: FICO to raise credit scores

Didn't schools start giving out grades that bumped averages above 4.0? Lake Wobegon.
by jebmke
Sat Aug 09, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: FICO to raise credit scores
Replies: 11
Views: 1826

Re: Tagging Favorite Threads

I have started to use Evernote for this. With Evernote Webclipper add-on for my browser I can choose to stash only the URL, the actual page content or just a selection of the content. Evernote has notebooks (folders) and tagging. Because it is cross-platform I can access the content from my PC or mo...
by jebmke
Sat Aug 09, 2014 11:00 am
 
Forum: Forum Issues and Administration
Topic: Tagging Favorite Threads
Replies: 5
Views: 364

Re: It won't matter if your password gets stolen

My laptop (2008) has a finger scanner. When I went to "register my finger" suggested that I register a second finger "in case something happens to the first finger." I decided to stick with passwords.
by jebmke
Fri Aug 08, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: It won't matter if your password gets stolen
Replies: 20
Views: 2381

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

I've been using weed preventing spray on my gravel for many years, and it works. But I've been trying to go green too. So a few months ago, I bought a flamethrower! Well, not exactly, but it is a pretty scary thing: http://www.amazon.com/Red-Dragon-VT-3-30-Propane/dp/B00004Z2FQ/ref=sr_1_4?s=lawn-ga...
by jebmke
Fri Aug 08, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1653
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