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Re: Google Docs

How did you access Sidney's document? Google writes that "Anyone who is given the link to the file or folder can access it." Uber - look at the instructions that Richard provided and you will see how to share out the file. Using the link is great for one-offs or broad use by non Gmail acc...
by jebmke
Sat Oct 25, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Google Docs
Replies: 6
Views: 425

Re: Putting Office on Surface Pro

ubermax wrote:Just wondering how others have put Office on their Surface ; is a web download an option ??

You should be able to get the media from MS via download. I haven't used a DVD to load software in a long time.
by jebmke
Fri Oct 24, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Putting Office on Surface Pro
Replies: 6
Views: 358

Re: NJ - Buying house in flood zone (FEMA)?

I live in Mercer County NJ and was not aware we had flood zones here as we are so far inland and for the most part not near bodies of water.. Are you absolutely certain that the basement has never flooded (people sometimes tell mistruths on disclosures)? But also, you have mandatory flood insurance...
by jebmke
Fri Oct 24, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 37
Views: 1380

Re: How did you buy your largest home?

We rolled gains forward. Current house is debt free. Of course, like all houses, it is a cash sinkhole.
by jebmke
Thu Oct 23, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2365

Re: investing during retirment

southlooprunning wrote: Had they had what they needed to live on in cash
or bonds. I had no cash. Selling bonds works fine for buying food and re-balancing.
by jebmke
Thu Oct 23, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 1958

Re: Paying Estimated Taxes

Don't forget state taxes if you live in a state with income tax. While you may be exempt from penalty due to safe harbor, you might want to pay the estimated tax before January 1 in order to deduct it in 2014.
by jebmke
Thu Oct 23, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying Estimated Taxes
Replies: 6
Views: 378

Re: US Chip & Signature --> Chip & PIN 2020

iPhone users also tend to be the most affluent of all, with an average household income of $105,200, with Android trailing on that count with average income of $89,300. That’s a key metric for developers and brands looking to recoup the investment associated with creating software, since it stands ...
by jebmke
Thu Oct 23, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1293

Re: US Chip & Signature --> Chip & PIN 2020

PINs can be changed with Chip & PIN cards, at least most versions. You have to go to an appropriate machine, such as an ATM with the necessary facilities. Unfortunately, the US lacks the infrastructure. At our bank, we were able to set our PINs on our cards when we lived in Europe so I know the...
by jebmke
Thu Oct 23, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1293

Re: New B of A visa chip card, no pin needed?

I've never been asked for a PIN internationally. Each time it's been a signature. Then you have only used your card when humans are present. In Europe especially there are a lot of transactions done at unattended locations (think parking lots, gas stations, subway stations, toll booths -- many of t...
by jebmke
Thu Oct 23, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2530

Re: Just wondering how you personally calculate net worth

I don't adjust anything. The only time I create a Net Worth statement is to provide it to the attorney who prepared my will. This isn't for anything official. It is just for fun. I was just wondering how other people view it. What you are using it for will determine how you calculate it. What are y...
by jebmke
Wed Oct 22, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 53
Views: 3092

Re: locating a competent PC repair shop........

Toons wrote:Virus removal is really not that difficult . :happy

Simple re-installation of the OS will cure any virus.
by jebmke
Wed Oct 22, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 773

Re: locating a competent PC repair shop........

I will say that in general most repairs don't make sense on a cost/benefit analysis. Most credit cards will give you an extra year of warranty. Which means unless you spill coffee on your motherboard, the repair is needed in year 3 by which time, something new is cheaper than the repair in many cas...
by jebmke
Wed Oct 22, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 773

Re: US Chip & Signature --> Chip & PIN 2020

It's shocking how far USA is so far behind the rest of the world in basic tech. I get stronger Wifi in Ho Chi Minh City than in California; the whole of Tel Aviv is a free wifi zone; whole African countries pay for goods by swiping their cell phones. Chip and pin will be ancient, fuddy-dud stuff by...
by jebmke
Wed Oct 22, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1293

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Its the same reason they think they can run a business just perfect! When I was working (finance side of the business), engineers had all kinds of ideas on how my part of the biz should be managed. I finally cut a deal with them. I would refrain from re-designing their stuff and they would leave my...
by jebmke
Tue Oct 21, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 117
Views: 7000

Re: Vanguard website down

I just got in. No problem. Maybe a rolling update through the server farm. That said, there wouldn't be a lot new at this hour. All the fund pricing hits later.
by jebmke
Tue Oct 21, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 7
Views: 857

Re: online shopping for laptop PC

Just bought 9 Lenovos for TaxAide. They are nice machines. Amazon and Newegg had comparable prices but Newegg (preferred) couldn't supply nine so we went with Amazon. If I were buying for myself I'd look at Lenovo or Asus.
by jebmke
Mon Oct 20, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 23
Views: 1286

Re: Advice sought for $6M investment

In your tax bracket I wouldn't hold CDs or taxable bonds in the taxable accounts. I'd look at some combination of LTD Term TE Bonds and Intermediate TE bonds if going with all Vanguard funds.
by jebmke
Sun Oct 19, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3689

Re: What Book Are You Currently Reading? Part VI

The Last Alibi, by David Ellis
by jebmke
Sun Oct 19, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 126
Views: 8760

Re: Debit Card was hacked. Should I just use cash from now

Not a fan of using any type of plastic for small purchases like getting coffee. One of the problems with the "small purchases" is convenience. You still have to swipe and in many cases, sign (although increasingly that is going away, it seems). In Belgium, our ATM card had a chip on it ca...
by jebmke
Sun Oct 19, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3306

Re: What tax software do you use and why

I used TurboTax for years. As they becameemore and more popular, I expected their prices to drop due to economy of scale. However, the opposite happened. I changed to TaxAct years ago and am completely satisfied. My taxes are not all that complicated and any tax program would work. I have to wonder...
by jebmke
Sat Oct 18, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2554

Re: Anyone cancelling travel plans?

We have stopped watching "Dallas." Too risky.
by jebmke
Sat Oct 18, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6290

Re: Allow OP to lock thread?

I wish there was a Tag function where you could tag a post for future reference. I'm sure this has been asked for before and can only assume it is not an easy function to implement. Allan You might look into Evernote. There are a lot of alternatives within Evernote ranging from copying the entire t...
by jebmke
Sat Oct 18, 2014 11:46 am
 
Forum: Forum Issues and Administration
Topic: Allow OP to lock thread?
Replies: 17
Views: 1411

Re: Anyone cancelling travel plans?

stan1 wrote:Actually the opposite. I'm hoping this creates some good buying opportunities so we can go on some luxury vacations at a great price. We got some great airfare and cruise bargains back in 2009/2010.

Same here. We went to Italy in 2009. Great prices for air and hotels.
by jebmke
Sat Oct 18, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6290

Re: How much capacity for a new tablet?

Any new info on when Nexus 9 will emerge? I was also looking at a Samsung S8.4 which seems to have good features and you can plug in an SD card to expand.
by jebmke
Sat Oct 18, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: How much capacity for a new tablet?
Replies: 8
Views: 716

Re: Anyone cancelling travel plans?

sambb wrote:Wow. It seems that one is far greater risk of dying in a car accident, getting hit by a drunk driver. Financially, might be prudent to just stay at home if this is one's concern.

Sock away a few hundred gallons of fresh water, 250 pounds of Slim Jims and a dozen large 12-roll packages of TP.
by jebmke
Sat Oct 18, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6290

Re: Debit Card was hacked. Should I just use cash from now

Credit cards for as much as possible. Some routine charges on DD and the rest billpay. Using CC makes it easy to plan cash flow for the month.
by jebmke
Sat Oct 18, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3306

Re: What tax software do you use and why

Taxwise Online. As TaxAide volunteer I have free use. Access to all states, free efile. Very easy to use in forms mode instead of interviews.
by jebmke
Sat Oct 18, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2554

Re: Your personal risk level: Got your flu shot yet?

I get one in early November every year. Haven't been sick since 1997.
by jebmke
Thu Oct 16, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2990

Re: Capital One chip card!

Their FAQ says it will be a Chip & Signature card with no PIN to remember, as if that's a benefit. It's probably a benefit in the US, but I won't be able to use it to buy train tickets at Amsterdam Centraal station's vending machines. http://www.capitalone.com/credit-cards/chip-cards/ You won't...
by jebmke
Wed Oct 15, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1228

Re: Capital One chip card!

Their FAQ says it will be a Chip & Signature card with no PIN to remember, as if that's a benefit. It's probably a benefit in the US, but I won't be able to use it to buy train tickets at Amsterdam Centraal station's vending machines. If you don't have a PIN how can you use the card at regular ...
by jebmke
Wed Oct 15, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1228

Re: Headed for a 300+ point loss today?

Does anyone remember this day when the Dow lost 300 pts? :happy "The Dow Jones industrial average (INDU) lost almost 300 points, or 4.2% to end at 6763.29, its lowest point since April 25, 1997" http://money.cnn.com/2009/03/02/markets/markets_newyork/ Don't recall that day but I do recall...
by jebmke
Wed Oct 15, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28453

Re: What services like Amazon Prime do you share to save?

Sunny Sarkar wrote:Is it possible to share Amzn prime without exposing the credit card information - I am interested in sharing the videos only but not the ability to order on my card.

That may be a violation of their Terms of Service.
by jebmke
Tue Oct 14, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: What services like Amazon Prime do you share to save?
Replies: 17
Views: 1504

Re: Has Anyone used Google Shopping Express?

Alex Frakt wrote:But seriously folks. This could be very useful to people without a car or with mobility issues. Or anyone who doesn't want to schlep 50 pound bags of dog food.

Delivery, sure. Same day, seems to me the dog's appetite is pretty predictable (as are diapers).
by jebmke
Tue Oct 14, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Has Anyone used Google Shopping Express?
Replies: 6
Views: 399

Re: Ebola preparation

VictoriaF wrote:I'd prefer not to burn alive, which I think happens in some airplane catastrophes.

And after witch trials. Those should be avoided as well.
by jebmke
Tue Oct 14, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2239

Re: Ebola preparation

Quickfoot wrote:What is happening is the average person is now learning about Ebola and that is causing them to feel like the rest of the world is just learning about it too which is not the case.

And since they can't find the darn missing plane, the media has to talk about something.
by jebmke
Tue Oct 14, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2239

Re: Siren song of increased stock allocation

I'm right about at my target allocation now.
by jebmke
Tue Oct 14, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2900

Re: Airline carry on limits

JonnyDVM wrote: I refuse to pay $4 for water on principal and sit dehydrated until the drink cart on the plane comes by.

Just take an empty bottle through security and fill it on the other side.
by jebmke
Tue Oct 14, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3002

Re: Ebola preparation

Nothing. I don't go into hospitals so I don't see any risk. I am planning to get a flu shot because the odds are greater that I will die of flue than Ebola.
by jebmke
Tue Oct 14, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2239

Re: Bill Sharpe on the 4% SWR rule (he thinks it's silly)

It's out of the Market, it's in the Spending Account which is Cash and no longer subject to fluctuations in the Market. (Not invested in Stocks and Bonds any more). That is just an allocation change. In your model, if I was a market timer and went all cash, that would be a 100% withdrawal. I don't ...
by jebmke
Tue Oct 14, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4627

Re: Bill Sharpe on the 4% SWR rule (he thinks it's silly)

BahamaMan wrote:Don't confuse annual Spending with Withdrawal Amount. They are 2 different things to me.

IMO it is the opposite. If it isn't spent, it is still part of the portfolio (not withdrawn) -- where else would it go??
by jebmke
Tue Oct 14, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4627

Re: Airline carry on limits

In my experience, if you're checking your bags on the jetway when you're flying on a regional jet, the bags don't get intermixed into the regular baggage. But if you're doing a surrender at the gate because the gate agents are asking for people to check bags due to the fullness of the flight, or if...
by jebmke
Tue Oct 14, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3002

Re: Airline carry on limits

If the baggage is checked at the gate or in the aircraft, it is typically brought out when you exit the plane in the jetway so you may not need to wait at baggage claim area. Some airlines put it in with the regular stream of bags and it pops out in baggage claim like all the others. That said, we ...
by jebmke
Tue Oct 14, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3002

Re: Airline carry on limits

tc101 wrote:Can you take food on airplanes? Snacks like nuts and raisins?

We flew SWA last month and I was surprised that they still serve peanuts. My BIL has a severe nut allergy and even the smell of nuts in an enclosed space can trigger respiratory distress.
by jebmke
Tue Oct 14, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3002

Re: Relatively new here. What did you do in 2008/09

What I learned was this: don't accept at face value people saying they can ride out extreme volatility. You have to live it, experience it, see fifty percent of your balance sheet disappear and taste real fear everything could implode, to truly know whether you can stomach losing years, if not deca...
by jebmke
Tue Oct 14, 2014 3:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6874

Re: Now what? - Lost check to IRS

Fixed the link. My bad. Your estimated tax payment is not late if it was mail on or before the due date. EFTPS is very specific in directing payment to proper form. Whether you are filing 1040-ES 2014 or 941 Q3 2014 for a corporation. I have been using EFTPS for 3 years, along with the state equiva...
by jebmke
Tue Oct 14, 2014 2:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Now what? - Lost check to IRS
Replies: 9
Views: 1167

Re: Dividends from Index Funds

Redstorm wrote:Maybe

How much would he need in a 3 fund portfolio to live off the dividends?

He was looking at $2M with 5% dividends overall


Off the top of my head, $5M @ 2% = $2M @ 5%. Maybe a little less but probably at least twice the original number.
by jebmke
Sun Oct 12, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends from Index Funds
Replies: 5
Views: 1073

Re: Is semi-retirement a bad idea?

But you won't have zero housing costs. Aside from the obvious stuff (property tax, insurance, maintenance and repairs etc.) you have imputed rent - since your entire savings is tied up in the house to not account for the investment income you are forgoing by living there is misleading. On a strictl...
by jebmke
Sun Oct 12, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7120

Re: Is semi-retirement a bad idea?

I think we are just at the beginning of the remote work trend. I think in the future the only people who will not work from home are the ones that truly need to be physically at work, and in my field there's no real reason to be in an office. I think working at home will increase in popularity alth...
by jebmke
Sun Oct 12, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7120

Re: Everything related to 1099 worker - tracking expenses et

caroljm36 wrote:all the advantages of Sched C deductions.


all the advantages of Schedule C excludes travel to the first work site. This is equivalent to being an employee who works at the employer's site.
by jebmke
Sun Oct 12, 2014 6:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Everything related to 1099 worker - tracking expenses etc
Replies: 27
Views: 1500
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