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Re: Android smartphone with physical keyboard

The tide may not turn, but I do think there are many people who prefer physical keyboards, surely enough to support at least one good Android keyboard phone in the marketplace. Although how many people use a phone for anything other than very brief emails. Most are texting and using FB based on my ...
by jebmke
Thu Jul 24, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 36
Views: 1460

Re: Dividend Growth Investing vs Index Funds

Too much work, not enough diversification.
by jebmke
Thu Jul 24, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing vs Index Funds
Replies: 14
Views: 1065

Re: small cap stocks overvalued

I thought I read somewhere that dividend stocks were overvalued too. That leaves large growth. But those are supposed to lag small and value over the long run. Hmmm. What to do?
by jebmke
Wed Jul 23, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: small cap stocks overvalued
Replies: 5
Views: 671

Re: The article on tax efficient placement needs to be rewri

sscritic wrote:Did you forget to tax your withdrawals from your IRA? I was expecting to see two more 0.75s.

Looks like it to me. Maybe a ROTH?
by jebmke
Wed Jul 23, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 72
Views: 3376

Re: Temptations and Dangers of Higher-Yielding Funds

Without delving too deeply into the portfolio I would guess that the securitized (asset backed) and foreign (government) sectors actually had a higher credit rating than most of the corporates that make up the bulk of the portfolio. Perhaps, but wrt the asset backed -- if it is spray-painted sub-pr...
by jebmke
Wed Jul 23, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Temptations and Dangers of Higher-Yielding Funds
Replies: 11
Views: 869

Re: Temptations and Dangers of Higher-Yielding Funds

I was looking at the portfolio holdings of Short Term Investment Grade yesterday and noticed that asset-backed was 10% and foreign was 10%. It got me wondering if Vanguard was reaching a little for yield in this fund.
by jebmke
Wed Jul 23, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Temptations and Dangers of Higher-Yielding Funds
Replies: 11
Views: 869

Re: Computer Fried By Lightning - Security Question

Was your hard drive damaged? If not, perhaps you can pull it and have the repair company use a generic boot disk. At a minimum, you should encrypt all login information stored on your computer, including things like mothers maiden name, SS #'s, answers to secret questions, etc. Login details can be...
by jebmke
Wed Jul 23, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Computer Fried By Lightning - Security Question
Replies: 15
Views: 999

Re: Computer Problem

I burned through 2 video cards on my 2001 vintage Dell desktop. Decommissioned it last year -- but the last two years of use was without a video card (remote access via my laptop).
by jebmke
Mon Jul 21, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Computer Problem
Replies: 15
Views: 1243

Re: Poll - Do you use Quicken?

I still use Quicken but only to maintain the basis for taxable investments. I could probably convert to a spreadsheet and probably before I would do another upgrade. Most of our taxable basis was consolidated in the great TLH of '08-09 so it would be much less onerous to convert to a spreadsheet now.
by jebmke
Mon Jul 21, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3094

Re: Recommendations for red oak hardwood sealer?

I don't know if they do it any more but the best finish we ever had was an oil-based system. Stunk to high heaven for a few days after the work was done (we had it done before we moved into the house). Deepest wood finish I have ever seen, hard as a rock, water resistant. I think they did multiple c...
by jebmke
Mon Jul 21, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for red oak hardwood sealer?
Replies: 4
Views: 379

Re: What Book Are You Currently Reading? Part V

"A Plague of Secrets" by John Lescroart
by jebmke
Sun Jul 20, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3102
Views: 999303

Re: RMDs on Vanguard Inherited IRA

he said point blank that Vanguard will NOT do automatic RMD service for inherited IRAs (because they are different). I didn't push it. Is this true? (I've never knowingly received misinformation from Vanguard before). My wife has an inherited IRA from her father and VG does the calculation and dist...
by jebmke
Sat Jul 19, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMDs on Vanguard Inherited IRA
Replies: 21
Views: 1075

Re: How much energy does water heater use when I'm not home?

YttriumNitrate wrote:(I think mine goes down to 120 degrees)

I think ours is set close to this normally.
by jebmke
Sat Jul 19, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2701

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

BolderBoy wrote:Seems odd.

Yes. Being curious myself, I just ran an image (54gb) from my 6 year old laptop onto a 8 year old USB disk drive using Macrium. The whole thing took 32 minutes.
by jebmke
Fri Jul 18, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 952

Re: Snake!

Yes, the snakes and the owls keep down the squirrel population around here. They also keep the muskrats from taking over the marshes.
by jebmke
Thu Jul 17, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

I really don't think chemicals should be poured into an area that you can't see. I agree. We aren't pouring anything and we don't [rarely] use chemicals around here. Bad for the food chain. Just for clarity, water (H2O), oxygen (O2), and food (complex hydrocarbons) are all "chemicals". Do...
by jebmke
Thu Jul 17, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

I really don't think chemicals should be poured into an area that you can't see. I agree. We aren't pouring anything and we don't [rarely] use chemicals around here. Bad for the food chain. We did set a small glass of ammonia-based cleaner near the vent intake and ran the vent a little to see if he...
by jebmke
Wed Jul 16, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

dgdevil wrote:Death by snake is statistically unlikely. But still.


Highest probably among evangelical snake handlers.
by jebmke
Wed Jul 16, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

My inclination in your case would be to try to remove the snake's food sources as much as possible, ie take measures to kill mice etc, thus encouraging him to move on to greener pastures. I don't mind him around. Just not up the vent. We live on the waterfront with marsh adjacent. No way to remove ...
by jebmke
Wed Jul 16, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

Maryland. No poisonous snakes in our state that I know of. The black rat snakes get pretty big though - lots of natural food, few predators. I don't know if that is true. You guys aren't that much farther north than I am (Tennessee) and we have several different poisonous snakes. Cotton mouths, Cop...
by jebmke
Wed Jul 16, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

No, used to live in Florida -- now they have some serious snakes! These black ones are pretty harmless but they can scare the crap out of you if you aren't paying attention. They aren't constrictors and they aren't poisonous. Probably only bite if harassed or surprised.
by jebmke
Wed Jul 16, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

Random Poster wrote:These are the kinds of posts where I really wish the OP would identify their location, if only to provide guidance on where I don't want to live.

Maryland. No poisonous snakes in our state that I know of. The black rat snakes get pretty big though - lots of natural food, few predators.
by jebmke
Wed Jul 16, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

A google search shows that the smell of ammonia can repel snakes. Maybe its time to put some ammonia in a bowl near the inside intake to the vent. (The smell of food in the vent probably attracted the snake in the first place). Maybe squirt some ammonia into the inside vent intake. If you turn the ...
by jebmke
Wed Jul 16, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Snake!

Can you just put some window screen over the opening? I plan to but I need to see if I can get him out or at least make sure he is out before I cap that vent (and the drier vent as well). I don't mind if he is in the crawl space -- good for mouse control but I doubt my wife will be happy if a snake...
by jebmke
Wed Jul 16, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Where to park windfall

Ally is a favorite online high-interest bank around here, and here is a good article on how to maximize your FDIC coverage there: http://www.ally.com/bank/fdic/ I'm assuming OP is talking about something in the range of $4-6 million. Trying to do something with FDIC protection directly with a bank ...
by jebmke
Wed Jul 16, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to park windfall
Replies: 9
Views: 1446

Snake!

Just saw a black snake slither into the vent on the outside of the house that is fed by our downdraft cooktop vent. Black snakes are "good snakes" around here but I'd just as soon not having him in that vent. Any idea on anything that would be safe to vent through this to discourage him fr...
by jebmke
Wed Jul 16, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4083

Re: Cost basis methods

You need to know the basis to report the transaction when you sell these. If the unrealized gain is not large, I'd be inclined to consider selling off the whole lot and consolidating the investment in low cost mutual funds.
by jebmke
Tue Jul 15, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis methods
Replies: 6
Views: 760

Re: Small Inherited IRA - what would you do?

My wife has a small inherited IRA. VG automatically does the RMD in December and puts it in her taxable account. No work involved.
by jebmke
Tue Jul 15, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small Inherited IRA - what would you do?
Replies: 7
Views: 1034

Re: Tax-Conscious Retirement and Roth Conversion Calculator

I don't think iorp has the logic built in to generate the 30% marginal rate when you start pushing up past the 15% bracket with dividends. Best to use real tax software.
by jebmke
Tue Jul 15, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Tax-Conscious Retirement and Roth Conversion Calculator
Replies: 11
Views: 1245

Re: Water Bladders

Might end up being cheaper in the long run to convert your yard to a desert.
by jebmke
Tue Jul 15, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Water Bladders
Replies: 3
Views: 975

Re: Persistence of SV performance

Ketawa wrote:Value investing has been known about since the 30s.

SV investing has been around since at least the mid 80s. Most of our deferred funds were in SV from the mid-80s through mid 00s.
by jebmke
Tue Jul 15, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3792

Re: Euros for a regular retail client

8track wrote:its nice not to have to search out the ATM while jet lagged.

They are almost always in the arrival hall.
by jebmke
Sun Jul 13, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1721

Re: Cheapest Win7 image backup media solution?

How long do you need the backup to last? If you only need it for a month or two, and your bandwidth is adequate, renting cloud storage may be cheapest. You'll only paying for the months you use, not buying the hardware. * at least if you already have some sort of relationship with the provider so y...
by jebmke
Sun Jul 13, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Win7 image backup media solution?
Replies: 8
Views: 563

Re: mom wants to "sell" me her condo for estate planning

Professor Emeritus wrote:
You are missing the point . You simply want taxpayers to pay.
\
Bingo!
by jebmke
Sun Jul 13, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: mom wants to "sell" me her condo for estate planning
Replies: 23
Views: 2991

Re: Allocation in Retirement

Practically any portfolio of equities and fixed income will produce an income stream of 2.5% to 3.0%: 3-fund, small-cap-and-value-tilted, any ratio of stocks to bonds. This is because intermediate bonds yield about that much and so do stock funds. If one's withdrawal rate is 3%, then one is in the ...
by jebmke
Sun Jul 13, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation in Retirement
Replies: 7
Views: 1293

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

Well, I moved from near NYC to South Texas and I needed more than a 25% pay increase to make me want to do that. Did you google "cost of living comparison"? There are plenty of calculators on the web. Which ones did you try? Can you tell us what the best ones are? My company had to pay up...
by jebmke
Sun Jul 13, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2505

Re: Gold, Silver, Copper

nisiprius wrote:
MassInvestor wrote:Time to rip the plumbing out of the wall
Especially the gold and silver plumbing.

I suppose I could rip my teeth out.
by jebmke
Sat Jul 12, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 87
Views: 4862

Re: Euros for a regular retail client

If you withdraw 50 euros I would not be surprised if you returned to the US with half unspent. I can't think of where I would have to use currency in most countries. In fact, there are many places like gas stations, toll booths, parking garages etc. where you cannot use currency even if you have it ...
by jebmke
Fri Jul 11, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1721

Re: Recent problems with Vanguard's website?

95% of weird things on screenshots sent in by customers end up being user error anyway. I cut my computing teeth on IBM mainframes in the early 70s. Every single error dump/trace, almost without exception used to finish with the phrase "Probable User Error." Assuming this was "user e...
by jebmke
Fri Jul 11, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1506

Re: Recent problems with Vanguard's website?

KyleAAA wrote: 95% of weird things on screenshots sent in by customers end up being user error anyway.

I cut my computing teeth on IBM mainframes in the early 70s. Every single error dump/trace, almost without exception used to finish with the phrase "Probable User Error."
by jebmke
Fri Jul 11, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1506

Re: Driving from outside Philly to Florida, with 3 children.

Gill wrote:Are you saying round trip in a week? Mel's answer seems to suggest that.
Gill

I read it as a week to get from Philly to Fl (destination). Driving to and back in a week is nuts.
by jebmke
Thu Jul 10, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Driving from outside Philly to Florida, with 3 children...
Replies: 22
Views: 1800

Re: Euros for a regular retail client

Other than when I was living there, I didn't carry Euros back and forth. I never had any trouble getting Euros from an ATM. I normally had some USD in my wallet so even if the ATM card didn't work, I could get a few.

I rarely used cash, even when I lived there.
by jebmke
Thu Jul 10, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1721

Re: Barbecue Set [Cooking tools]

My Thermapen is probably my most useful tool. Thermapens are great (and pricey). I seem to dislike the tongs that come with every BBQ set that I have seen, so personally I prefer to buy my BBQ stuff individually. I don't use the ones with the set we have. I like the long spatula but for tongs, I li...
by jebmke
Thu Jul 10, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1110

Re: Bank law-violations

Don't forget we pay for these. It comes out of the shareholders' hide.
by jebmke
Wed Jul 09, 2014 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Bank law-violations
Replies: 4
Views: 956

Re: Barbecue Set [Cooking tools]

My Thermapen is probably my most useful tool.
by jebmke
Wed Jul 09, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1110

Re: What Book Are You Currently Reading? Part V

Operation Paperclip: The Secret Intelligence Program that Brought Nazi Scientists to America is a good review of the entire program to bring Nazi scientists to the US and keep them out of the hands of the Soviets.
by jebmke
Mon Jul 07, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3102
Views: 999303

Re: Transplant hard drive from old to a new laptop?

and get a solid state drive while you are at it.
by jebmke
Tue Jul 01, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Transplant hard drive from old to a new laptop?
Replies: 16
Views: 673

Re: Transplant hard drive from old to a new laptop?

I'd buy a new license for W7 if you really want to keep it. Do a fresh install. That will kill off the OEM crapware that came with the machine and start you with a clean OS. Once the OS updates and you have all the system settings the way you like it, make an image of that installation so you can al...
by jebmke
Tue Jul 01, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Transplant hard drive from old to a new laptop?
Replies: 16
Views: 673

Re: How many Bogleheads golf?

StormShadow wrote:I try to hit the range every once in a while. Very therapeutic. :mrgreen:

I try to hit the range also but often the ball goes in the woods to the right.
by jebmke
Tue Jul 01, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4298

Re: Bucket Strategy for Retirement. Please comment

Yup, buckets make sense, but as was mentioned previously, they provide mental accounting. There are many people who need to have this type of organization and structure. If it works for you... Right. I don't use it. Too complicated. But some people need more structure. There is some risk of taking ...
by jebmke
Mon Jun 30, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bucket Strategy for Retirement. Please comment
Replies: 34
Views: 3792
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