Search found 2793 matches

Return to advanced search

Re: Online Security: Are there any sites you do not trust?

I also make it a little harder for them by using one browser strictly for the things that require a google log in (mostly gmail and voice) and another browser for my actual browsing. On the latter I do not sign in to google and I've blocked their tracking bugs. This is what I do as well. I use Goog...
by jebmke
Mon Sep 01, 2014 2:59 am
 
Forum: Personal Consumer Issues
Topic: Online Security: Are there any sites you do not trust?
Replies: 7
Views: 339

Re: Why invest in bonds?

I'm not willing to assume that there will be no crash in the next 5 years or that stocks will return 15% going forward. I don't forecast if I had to assume something my "assumption" for equity would be in the range of 3-4% real return going forward. But it could be a lot less or a lot more.
by jebmke
Sun Aug 31, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 52
Views: 2285

Re: Excess RMD

By the time we start our RMDs we will obviously be farther down the actuarial slope. My pension will have started 5 years earlier and SS will start @ 70 so we will likely start ramping up our charitable giving when RMDs start.
by jebmke
Sun Aug 31, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD
Replies: 19
Views: 895

Zwilling Cookware (non-stick)?

Time to replace our non-stick frying pans. I'd be interested in any feedback folks have on Zwilling.

There seems to be different brands sold

Zwilling Spirit
Zwilling Sol

not sure what the difference is, if any.

Would appreciate any thoughts you might have on these.
by jebmke
Sun Aug 31, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Zwilling Cookware (non-stick)?
Replies: 0
Views: 84

Re: bonds in taxable. which fund?

Dandy wrote:I have some in intermediate muni and some in LTD term Tax exempt. Both are good funds. I would hesitate to go for much longer duration.

These are what we use as well. Ltd Term is pretty stable.
by jebmke
Sun Aug 31, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: bonds in taxable. which fund?
Replies: 6
Views: 486

Re: Vanguard is finally getting Two Factor Auth (2FA)

Does the use of SMS as the second factor mean that you really don't have 2-factor when using a Vanguard app on your phone? I don't use the VG app - I am not comfortable with the overall security of phone apps for financial transactions but just wondering what this means. For me personally, this won'...
by jebmke
Sun Aug 31, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 12
Views: 1523

Re: Policy on changing Passwords

having his Fire fox profiles stored in a a Truecrypt file with a very strong password. One note of caution on this. When you move the profiles out of the normal location, programs like SuperAntiSpyware malware scanner may not know where to scan for browser-based malware. You may have to tweak the s...
by jebmke
Sun Aug 31, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 15
Views: 1072

Re: Cellphone for trip to Ireland

This site might have some info. I haven't been into the site in a couple of years so I can't say how current they are

http://www.prepaidgsm.net/en/ireland.html
by jebmke
Sat Aug 30, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Cellphone for trip to Ireland
Replies: 4
Views: 256

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: 2818

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: 13
Views: 1776

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: 15
Views: 1072

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: 32
Views: 1466

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: 15
Views: 1072

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: 32
Views: 1466

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: 32
Views: 1466

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: 28
Views: 2052

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: 482

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: 38
Views: 4814

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: 497

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: 715

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: 3199

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: 1629

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: 3267
Views: 1112968

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: 901

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: 13
Views: 1494

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: 3719

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: 1089

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: 2151

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: 3254

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: 586

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: 10653

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: 3254

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: 496

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: 2030

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: 3417

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: 966

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: 9107

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: 98
Views: 9362

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: 1631

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: 8126

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: 98
Views: 9362

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: 98
Views: 9362

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: 98
Views: 9362

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: 1829

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: 98
Views: 9362

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: 98
Views: 9362

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: 2385
Next

Return to advanced search