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Re: Poll: Do BH's know about internet search engines?

livesoft wrote:Similar poll already:
viewtopic.php?f=11&t=101340

Maybe the poll should be "How many posts on a Do You Know How to Google poll will accumulate before the thread is locked.
by jebmke
Mon Sep 22, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: Poll: Do BH's know about internet search engines?
Replies: 20
Views: 533

Re: Vanguard monthly statement availability(Website)

I get statements every month, regardless of activity.
by jebmke
Sun Sep 21, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard monthly statement availability(Website)
Replies: 9
Views: 833

Re: Critique my thoughts on Real Estate Investing

And try to be honest with yourself about the amount of time involved. A lot of real estate guys will brag about having a passive rental yield of 20%, but won't mention they spent 6 months of full-time work rehabbing the property. In order to calculate the true return on investment you need to imput...
by jebmke
Sun Sep 21, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Critique my thoughts on Real Estate Investing
Replies: 17
Views: 1037

Re: About to Retire, Need Help!

With 5 real estate properties, my concern would be having to cover the big expenses that may come up over the next 20 years for repairs as well as maintenance. With rental property you have to reserve for this and keep assets aside otherwise you are kidding yourself counting the rental income as pu...
by jebmke
Sun Sep 21, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: About to Retire, Need Help!
Replies: 17
Views: 1559

Re: About to Retire, Need Help!

Should we keep his TSP in the TSP, or rollover to a IRA after retirement? What are the pros and cons here? Maryland has a limited exemption from income taxes for retirement income, including withdrawals from qualified retirement accounts once you turn 65. 403 accounts are considered retirement acco...
by jebmke
Sun Sep 21, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: About to Retire, Need Help!
Replies: 17
Views: 1559

Re: AliBaba

Business reporter on NPR yesterday called the AliBaba deal the biggest IPO "in human history". Not sure what that implies.
by jebmke
Sat Sep 20, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 89
Views: 5284

Re: What Book Are You Currently Reading? Part V

I just finished The Heist by Daniel Silva. It was a good read but he's really recycling themes perhaps because he's got a backlist of characters. Many past characters do walk on's with little to do with the story. I could carp more, but still a good read. I finished this a few weeks ago. Silva is g...
by jebmke
Sat Sep 20, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3370
Views: 1157182

Re: What Book Are You Currently Reading? Part V

Dave55 wrote:"Personal" by Lee Child...New Jack Reacher just out. Excellent read.
Dave

Ever since they cast Tom Cruise as Reacher I can't read these.
by jebmke
Mon Sep 08, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3370
Views: 1157182

Re: Travel to the Netherlands?

We used to enjoy taking our bikes up to Zeeland (we drove up from Brussels). Middelburg and Vlissingen are pretty close together. Both are easy to navigate. Vlissingen is right on the water and if I recall correctly, the beaches were pretty nice.
by jebmke
Sat Sep 06, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Travel to the Netherlands?
Replies: 6
Views: 582

Re: [Symantec anti-virus] Norton Auto Renewal

In my opinion, Norton IS a virus :twisted: It has a been a couple years since I worked on a computer with Norton. A few years ago I banned Norton and MacAfee from my TaxAide sites. We had a lot of problems with slowness and the default settings seemed to cause problems with our networking. Maybe th...
by jebmke
Wed Sep 03, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: [Symantec anti-virus] Norton Auto Renewal
Replies: 21
Views: 1108

Re: What Book Are You Currently Reading? Part V

I am about halfway through The Gods of Guilt by Michael Connelly, the best crime novelist out there. This is from the Lincoln Lawyer series of Connelly. Somehow after having seen the movie made from the initial book in this series several years ago, I can only see Matthew McConaughey as Mickey Hall...
by jebmke
Tue Sep 02, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3370
Views: 1157182

Re: Filing a prior tax year that was not required to be file

Glad to hear that worked out for her. For anyone doing this in the future, you're not required to provide any explanation of why you are filing. If the IRS has questions, they'll let you know. I always include a letter of explanation if I think anything will look odd. Much simpler than shuffling ba...
by jebmke
Tue Sep 02, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Filing a prior tax year that was not required to be filed
Replies: 9
Views: 547

Re: Filing a prior tax year that was not required to be file

Glad to hear that worked out for her. For anyone doing this in the future, you're not required to provide any explanation of why you are filing. If the IRS has questions, they'll let you know. That is true and especially relevant for late returns that trigger a refund. If you are filing a late retu...
by jebmke
Tue Sep 02, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Filing a prior tax year that was not required to be filed
Replies: 9
Views: 547

Re: Determining who makes it past age 90?

Bustoff wrote:* It's not good to be skinny when you're old.


Break out the M&Ms!

I
by jebmke
Tue Sep 02, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1909

Re: Zwilling Cookware (non-stick)?

barnaclebob wrote:Get ready to have people lose all respect for you and question your life choices due to your selection of cookware.

I used to work for a sociopath. I have a thick skin. :P
by jebmke
Tue Sep 02, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Zwilling Cookware (non-stick)?
Replies: 10
Views: 803

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: 14
Views: 1501

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: 103
Views: 6244

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: 973

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: 10
Views: 803

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: 572

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 Consumer Issues
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 23
Views: 3754

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: 1195

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: 11
Views: 869

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: 2933

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: 1830

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: 1195

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: 1540

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: 1195

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: 1540

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: 1540

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: 2119

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: 508

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: 41
Views: 5770

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: 513

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: 721

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: 49
Views: 3633

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: 1659

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: 3370
Views: 1157182

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: 928

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: 1506

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: 3778

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: 1062

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: 1093

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: 2186

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: 3283

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: 611

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: 10689

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: 3283

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: 2062
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