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Re: What Book Are You Currently Reading? Part V

Mission to Paris by Alan Furst
by jebmke
Wed Jul 30, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3117
Views: 1013261

Re: Fidelity Charitable Fund Questions

If you search the forum for "DAF" and/or "Donor Advised Funds" you will find a lot of people here use them -- in different ways and for different reasons.
by jebmke
Wed Jul 30, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 18
Views: 701

Re: Tax strategies with Employee stock option execution

One of the things we did when I had a spike in income from NQ options was to fund a Donor Advised Fund with appreciated stock shares from our taxable account. This gave us a large deduction against income at the maximum tax rate. In effect we pre-funded several years of future charitable contributio...
by jebmke
Wed Jul 30, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax strategies with Employee stock option execution
Replies: 4
Views: 287

Re: New HVAC system

(I also suspect that retrofitting additional insulation would be money better spent in this regard) Often the case. This was the first thing we did and it made a big difference even with our old system. I decided to ride our old system to the end. I was expecting the 30-year old air handler to disi...
by jebmke
Wed Jul 30, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2043

Re: How to keep family informed

sscritic wrote:even the one I opened just before I had a heart attack and died slumped over my computer, still logged into my Vanguard account.

The Account Upgrade didn't work for you either?
by jebmke
Tue Jul 29, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 34
Views: 2133

Re: Anyone Switched to Vanguard Account Upgrade?

I wish Vanguard would just sell off VBS and just focus on providing the best mutual fund experience possible (which they don't). If somebody wants ETFs, those can be bought from any brokerage at a low or sometimes no cost. Why? I have a mix of funds and VG ETFs and have no problems. I don't pay any...
by jebmke
Tue Jul 29, 2014 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 2663

Re: Anyone Switched to Vanguard Account Upgrade?

I mean, I don't see what the Account Upgrade does for me if it worked.
by jebmke
Tue Jul 29, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 2663

Re: New HVAC system

Two stage also controls temperature and humidity better - more comfortable.
by jebmke
Tue Jul 29, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2043

Re: Anyone Switched to Vanguard Account Upgrade?

I must be missing something. I don't see what problem they are trying to fix.
by jebmke
Tue Jul 29, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 2663

Re: Cell phone control devices for teen drivers?

Make sure your umbrella insurance coverage is in force.
by jebmke
Tue Jul 29, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 1557

Re: Tell me why I shouldn't buy individual muni bonds

Every time I looked at state funds for MD, I couldn't make the math work. Seems like the tax difference was arbed away.

As to individual bonds, I'm lazy and for me the ER is worth it for diversification and liquidity.
by jebmke
Tue Jul 29, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I shouldn't buy individual muni bonds
Replies: 31
Views: 1883

Re: Cell phone control devices for teen drivers?

I for one am grateful that TexasDiver someone is trying to protect me from his daughter. I bicycle and drive on our community roads and I prefer that TexasDiver's someone's wonderful daughter not sideswipe me while she sends a text to her friend. This is becoming a serious concern for me. Howev...
by jebmke
Tue Jul 29, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 1557

Re: New HVAC system

We have Lennox since it is the quietest. Noise annoys me. Noise has more to do with the installation than the brand. If your outside unit is sitting a foot away from your single-pane glass window (probably a code violation not to mention a waste of energy of course), any brand is going to seem nois...
by jebmke
Tue Jul 29, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2043

Re: New HVAC system

I've never understood why AC is so often bone-chilling. Is there a way to avoid that? Adjusting the thermostat does not help in my house; if the AC is running, areas near the outlets are very cold. I see this all the time in other buildings as well. Is your system an older single-stage compressor, ...
by jebmke
Tue Jul 29, 2014 8:45 am
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2043

Re: New HVAC system

Agree with others. Make sure contractor does the manual J calcs to size. I also agree with suggestion to go with 2-stage compressor system. We put in a 2-stage system a couple years ago -- much steadier temperature control and it keeps the space more comfortable. You should be able to do better than...
by jebmke
Mon Jul 28, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2043

Re: Inherited accounts

airahcaz wrote:There is no gift tax cause of the Will?

Probably because of the lifetime exemption. How much money are we talking about?
by jebmke
Mon Jul 28, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited accounts
Replies: 24
Views: 1342

Re: Permit for expanding existings deck

SimonJester wrote:If you do not and it is discovered when you sell your home your local municipality may require you to tear down the entire deck.

My county wouldn't think twice before doing this. Decks made with substandard materials or without safety features like rails can be quite dangerous.
by jebmke
Mon Jul 28, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Permit for expanding existings deck
Replies: 10
Views: 681

Re: POLL: My home is worth less/more in 2014 than in 2007?

I know mine is less but I have no idea how much less.
by jebmke
Sun Jul 27, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 82
Views: 4054

Re: When the Fed lost control of inflation

The article was date March, 2008. If I recall correctly, real yields ran up to the 3-ish range in the fall. I bought a bunch then (October, I think).
by jebmke
Sun Jul 27, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: When the Fed lost control of inflation
Replies: 2
Views: 589

Re: Buying property - frank responses requested

dgdevil wrote:+1. Things tend to change over 20 years. Your nostalgia may trip you up.

I've known more than one ex-pat who, after repatriating to the US, turned around and went back to their old "home" country.
by jebmke
Sun Jul 27, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying property - frank responses requested
Replies: 29
Views: 2996

Re: What shoe size should I buy?

One of the reasons I rather like New Balance is that they tell you the "last" (pattern) for every shoe. They use several different lasts. But if one of their shoes fits, there is a pretty good chance that any other New Balance shoe with the same last will fit. Allen Edmunds did that as we...
by jebmke
Sun Jul 27, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: What shoe size should I buy?
Replies: 10
Views: 708

Re: Buying property - frank responses requested

I'd hesitate to buy something immediately on return or retirement. We rented for over a year when we returned to the US and we were only away for 3.5 years.
by jebmke
Sun Jul 27, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying property - frank responses requested
Replies: 29
Views: 2996

Re: Int'l Train Travel

we recently went from Brussels to Paris for 22 euros 2nd class, for example--first class bargains are not nearly as good. That's a pretty good deal. This is a great train. Shorter than many subway rides I've taken. I used to take this twice a month for a couple of years. We used to buy blocks of 10...
by jebmke
Sun Jul 27, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1469

Re: Buying a Home - Town permit records don't match disclosu

This has been a good thread to read and I have pariticpated in it. Reading the OPs last response (a few above this) and all of them, it is entirely unclear to me why he sought any advice as he has dismissed everything. That does not detract from the value of the thread to others of course and I hav...
by jebmke
Sun Jul 27, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3491

Re: Buying a Home - Town permit records don't match disclosu

Yes, it is very location specific. In MD (at least when we bought in 2007), you weren't required to disclose anything. You could list a house with a disclaimer. On the other hand (at least in our county), if you had something that required a permit (and didn't have one) or violated the county ordina...
by jebmke
Sun Jul 27, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3491

Re: Experimenting with LibreOffice Calc [Importing fund pric

Google will figure it out. Things like IP address give them a way to link accounts together. I've seen them do it with me. I use multiple accounts for different purposes and I have not seen this yet (not saying they can't do it). I use Chrome for my personal account and never use that browser for a...
by jebmke
Sat Jul 26, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Experimenting with LibreOffice Calc [Importing fund prices]
Replies: 15
Views: 686

Re: Reducing picture file size in kb

I use a program called IRFANVIEW.

http://www.irfanview.com/
by jebmke
Sat Jul 26, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing picture file size in kb
Replies: 14
Views: 624

Re: What is it like to live in Charlottesville, VA?

Some decent, but not great wine made in the area.
by jebmke
Sat Jul 26, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 20
Views: 1863

Re: Buying a Home - Town permit records don't match disclosu

I think some might be willing to waive them if they passed inspection and you paid the current permit fee. Perhaps. Might be hard to inspect electrical and without opening up the walls though. May depend on where the space is in relation to access via attic or basement/crawlspace -- especially if t...
by jebmke
Sat Jul 26, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3491

Re: Buying a Home - Town permit records don't match disclosu

The town's records rules. Doesn't matter what the seller or contractors say. I would back out unless you can get the permits (if they ever existed) or get the town to waive them. I'd be really surprised if any town waived them. Usually the permits are granted subject to inspections (think electrica...
by jebmke
Sat Jul 26, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3491

Re: favorite bogleheads posts?

lhl12 wrote: I'd give long odds that they no longer speak...

Speak? Probably text. Not long ago we spotted a young couple in a restaurant, pretty obviously on a date. Both were texting away while waiting for their meal to be served. Probably a 50/50 chance they were texting to each other.
by jebmke
Sat Jul 26, 2014 12:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 50
Views: 4050

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: 38
Views: 1761

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: 1151

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: 695

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: 75
Views: 4095

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: 961

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: 961

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: 1187

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: 16
Views: 1696

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: 3293

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: 386

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: 3117
Views: 1013261

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: 1087

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: 2727

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: 962

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: 4195

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: 4195

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: 4195

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: 4195

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: 4195
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