Search found 3621 matches

by jebmke
Sun Jul 05, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 127
Views: 6302

Re: Obsessing towards zero balance on credit card.

Subject: Obsessing towards zero balance on credit card. Seriously. Automate your financial life. I pay bills early just like you do all the time for the same reasons, but not bills I can set up to autopay every month automatically and forget about. As I have gotten older, I've decided that the most...
by jebmke
Sun Jul 05, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: Internet storage and backup for Mac. Dropbox, iCloud, others?
Replies: 28
Views: 878

Re: Internet storage and backup for Mac. Dropbox, iCloud, others?

Fire or theft from the home -- both of which might be more likely than a large scale exploitation (not just exfiltration) of data from Dropbox. Computers, hard drives, and paper file folders are among the first things thieves take these days. Yes, you probably have your data encrypted but the burgl...
by jebmke
Sun Jul 05, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Internet storage and backup for Mac. Dropbox, iCloud, others?
Replies: 28
Views: 878

Re: Internet storage and backup for Mac. Dropbox, iCloud, others?

Does Crashplan afford easy search, access, and viewing of individual files? If my vacation pictures are in a folder that Crashplan backs up, can my kids view them on their Windows machines? Crashplan is a backup system and not really designed for this (unless they have broadened their product line)...
by jebmke
Sun Jul 05, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Internet storage and backup for Mac. Dropbox, iCloud, others?
Replies: 28
Views: 878

Re: Internet storage and backup for Mac. Dropbox, iCloud, others?

Not sure why people feel that a cloud-based backup is preferred or even necessary. Two years ago a friend of mine came home from vacation to find his house burned to the ground. Nothing survived, not even objects in a fireproof safe. Offsite storage of backup media is an option but most people don'...
by jebmke
Sun Jul 05, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Internet storage and backup for Mac. Dropbox, iCloud, others?
Replies: 28
Views: 878

Re: Internet storage and backup for Mac. Dropbox, iCloud, others?

I would highly recommend getting your hands dirty, spending a bit more money, learning some, and setting up an in-home, network attached, secure, backup solution. I do this but a fire or lightning strike might take out both the primary and backup. I keep the NAS running because I can get the files ...
by jebmke
Sun Jul 05, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: Internet storage and backup for Mac. Dropbox, iCloud, others?
Replies: 28
Views: 878

Re: Internet storage and backup for Mac. Dropbox, iCloud, others?

Offline storage (even a mirror of your resident data) is not the same as a backup. There are a number of excellent online backup systems. The one I like is CrashPlan. CrashPlan (as some other systems do) maintains old versions so if you somehow backup a corrupted file, the older versions are still r...
by jebmke
Fri Jul 03, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 41
Views: 3203

Re: What age did you become debt free and what opportunities did it create?

I was born debt free.

Took on a small amount of student debt at 24, paid it off @30 but year later took on mortgage. Paid off last mortgage when we moved overseas @50, no debt since.
by jebmke
Fri Jul 03, 2015 8:03 am
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 43
Views: 3392

Re: U.S. Bond Market Bubble

There are many, many existing threads on this topic. You will find opinions all over the map. I have not adjusted my bond investments based on opinions regarding future interest rates, bubbles or the like.
by jebmke
Fri Jul 03, 2015 7:24 am
Forum: Investing - Theory, News & General
Topic: Rollover 401K to TIRA
Replies: 6
Views: 353

Re: Rollover 401K to TIRA

Honestly, I have never understood leaving a 401k with a former employer. They have no stake in you or your finances. Some 401(k)s have good choices. Mine had index funds with 4bp ERs. Despite that I rolled out to an IRA. My state (MD) has an income tax exemption for some retirement income which inc...
by jebmke
Thu Jul 02, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting
Replies: 22
Views: 1352

Re: Tax Loss Harvesting

the two international funds track each other pretty closely. I agree with livesoft. Take the loss when you have the loss. Deal with the other fund independently.
by jebmke
Wed Jul 01, 2015 8:20 pm
Forum: Investing - Theory, News & General
Topic: The Fund Name is Not Enough
Replies: 23
Views: 1582

Re: The Fund Name is Not Enough

Archie Sinclair wrote:If you're dealing with a company that can't produce an adequate Summary Prospectus, that provides very valuable information in itself about the company.

Yep
by jebmke
Wed Jul 01, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting
Replies: 22
Views: 1352

Re: Tax Loss Harvesting

Let's say I get a $8,800 in short term loss. If I realize that, then switch back into a different fund. Then I have $20K in capital gains in my taxable account...where half is long term gains. Assuming a 25% fed tax bracket and 7% state bracket. How does that work? When you TLH, do it to a fund tha...
by jebmke
Wed Jul 01, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: The Fund Name is Not Enough
Replies: 23
Views: 1582

Re: The Fund Name is Not Enough

After a while you get used to power reading some of the boilerplate legal language. But you shouldn't skip the meaty stuff about what the fund is saying they will do. Most of my holdings are VG. Their boiler plate is nearly the same in every prospectus. I don't have a lot of sympathy for people who ...
by jebmke
Wed Jul 01, 2015 4:48 pm
Forum: Investing - Theory, News & General
Topic: The Fund Name is Not Enough
Replies: 23
Views: 1582

Re: The Fund Name is Not Enough

WAPO had similar article today http://www.washingtonpost.com/news/get-there/wp/2015/06/30/how-ordinary-bond-investors-would-be-hurt-by-a-default-in-puerto-rico/?tid=hpModule_a2e19bf4-86a3-11e2-9d71-f0feafdd1394&hpid=z15 The fund firm with the second largest exposure is Franklin Templeton Investm...
by jebmke
Wed Jul 01, 2015 4:24 pm
Forum: Forum Issues and Administration
Topic: Document contains no data
Replies: 2
Views: 285

Re: Document contains no data

They were down for a while this afternoon. Did you clear your browser cache?
by jebmke
Wed Jul 01, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Refund Timing
Replies: 3
Views: 287

Re: Tax Refund Timing

Normally should take about 3 weeks for e-file. Maybe a couple weeks extra for paper file. I'd check here first, then call the IRS if there is no info. http://www.irs.gov/Refunds Also, double check and make sure you provided the correct routing and account numbers. That can hang things up if those ar...
by jebmke
Tue Jun 30, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: favorite personal budget SW/spreadsheet?
Replies: 11
Views: 1548

Re: favorite personal budget SW/spreadsheet?

reddityeah wrote:download from the CC sites manually and upload the data.

I do that with a spreadsheet. My cards provide a full year detailed data file every January for the prior year, already tagged with categories.
by jebmke
Tue Jun 30, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 127
Views: 6302

Re: Obsessing towards zero balance on credit card.

I pay the statement balance. We use CC for everything possible. Retired so it is a good cash management tool. Two cards, both close in the last week of the month. So I pretty much know what our cash needs are for the coming month and can go into VG and sell something.
by jebmke
Tue Jun 30, 2015 4:05 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 73
Views: 4897

Re: Did you used to invest in TIPS?

I sold about half of our holdings. The proceeds went into Short Term Investment Grade.
by jebmke
Tue Jun 30, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Use Turbotax Home & Biz or accountant for out of state short term rental property?
Replies: 6
Views: 402

Re: Use Turbotax Home & Biz or accountant for out of state short term rental property?

All I do is set up a spread sheet with the relevant lines from Schedule E. The tax software will do the calculations on depreciation automatically once you set it up.
by jebmke
Tue Jun 30, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Will you pay to not have ads?
Replies: 35
Views: 2310

Re: Will you pay to not have ads?

Watch more baseball. The ad breaks seem very short. Just enough time to run to the kitchen (or wherever) and back.
by jebmke
Tue Jun 30, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3505

Re: Unknown phone calls

If you do answer and get a message that says something like "press 1" to get taken off the calling list. You will only get more calls since they have prof that a live person answered and didn't immediately hand up. We have all of the likely callers (family/friends/services) in the directo...
by jebmke
Tue Jun 30, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: ATM Withdrawal
Replies: 15
Views: 944

Re: ATM Withdrawal

If it is a local bank, can't you just go inside and have a teller do a transaction for you for $500? The added benefit is you can get $100 bills instead of $20s.
by jebmke
Tue Jun 30, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: ATM Withdrawal
Replies: 15
Views: 944

Re: ATM Withdrawal

Change banks
by jebmke
Tue Jun 30, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3505

Re: Unknown phone calls

We get these all the time. If one pops up frequently we put it on a block list with our provider. They seem to be getting sneakier and sneakier. In the past few weeks I have had: A robo-call from myself (my number showed up on caller-ID) A sales call from someone selling solar panels which showed up...
by jebmke
Tue Jun 30, 2015 7:25 am
Forum: Personal Finance (Not Investing)
Topic: federal tax return rejected
Replies: 14
Views: 1803

Re: federal tax return rejected

If you file a paper return, include a letter of explanation. Otherwise it may just get scanned, processed and rejected again.
by jebmke
Mon Jun 29, 2015 1:45 pm
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 49
Views: 4652

Re: International stock "dividend variability" Why?

Uncle Pennybags wrote:There is nothing I can do; Vanguard votes the shares.

If I had needed cash and they had somehow deferred dividend distributions I would have just sold enough shares to generate the cash I needed.
by jebmke
Sun Jun 28, 2015 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 43
Views: 4218

Re: Drawing from Retirement Savings to Delay SS

1. How much of your retirement savings in percentages do you plan on depleting in order to fund your delay? No set plan. Spending as needed. 2. Are you currently delaying? Yes 3. Will/does the performance of your portfolio change your savings withdrawal strategy? No; but withdrawal will drop in thr...
by jebmke
Sun Jun 28, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: What is best attic fan thermostat setting?
Replies: 2
Views: 358

Re: What is best attic fan thermostat setting?

I have read a lot of opinions both ways. We have attic fans on each end of our ranch (Maryland) but I have disabled them. I had ridge vents cut in the roof and sealed off and shut down the fans. We have large soffit vents the entire length of the house on both sides. Once we added a lot of insulatio...
by jebmke
Sun Jun 28, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4349

Re: Travel to Greece

People bringing money in is not their problem. :)
by jebmke
Sun Jun 28, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4349

Re: Travel to Greece

WSJ now reporting Greek banks will not open on Monday. The first stage in an uncontrollable collapse. Could be. Countries are different. I was in Argentina the week they un-pegged from the USD (January, 2001, I think; peso went from 1:1 to 4:1 in one day). They closed the banks for a couple days an...
by jebmke
Sun Jun 28, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 49
Views: 4652

Re: International stock "dividend variability" Why?

What would you have done had they declared a dividend of $0?
by jebmke
Sun Jun 28, 2015 3:51 pm
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 49
Views: 4652

Re: International stock "dividend variability" Why?

Uncle Pennybags wrote:The "dividend variability" was very good to me this 1/4; it was 4% annualized. One bright spot in an otherwise dark and dreary month.

But your NAV dropped so you are even.
by jebmke
Sun Jun 28, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 47
Views: 3698

Re: can you recommend comfortable walking shoes?

I have been wearing various models from Ecco for years. Very happy with them. Walking, golf, hiking, sandals ...
by jebmke
Sun Jun 28, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2280

Re: Upgrading to Windows 10?

Would you estimate how long it takes you to do an upgrade and the testing? My own experiences in just switching to a new laptop and reinstalling/transferring older software suggests my "many hours" phrasing. I'll repeat my original question: What am I missing in my current OS that this OS...
by jebmke
Sun Jun 28, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2280

Re: Upgrading to Windows 10?

I'm leery of upgrading to a new OS, especially on an older computer not initially designed for it. What am I missing in my current OS that this OS is going to solve for me? Actually, it depends. I have upgraded a number of older laptops from W7 to 8.1. They boot and run faster. In this case, we may...
by jebmke
Sun Jun 28, 2015 7:39 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2280

Re: Upgrading to Windows 10?

But I think they will allow you to do a clean install instead of upgrading via update.
by jebmke
Sun Jun 28, 2015 7:10 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2280

Re: Upgrading to Windows 10?

Whenever I do an "upgrade" of an OS I always do a clean install. In addition to making the jump to the next level x.0 or x.1 (I usually wait for x.1), this process cleans up a lot of minor issues on the machine.
by jebmke
Sat Jun 27, 2015 8:24 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4246

Re: Smart phone data usage

Spirit Rider wrote:You can even pre-load maps for navigation.

This has an additional advantage of giving access to mapping when the cell signal doesn't exist (rural) or is blocked (buildings).
by jebmke
Sat Jun 27, 2015 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Future of SS due to Supreme Court Decision on Gay Marriages
Replies: 16
Views: 2112

Re: Future of SS due to Supreme Court Decision on Gay Marriages

MnD wrote:Significant additional income tax revenue from married filed jointly should more than make up for additional SS payouts.

but payroll taxes will not change.
by jebmke
Sat Jun 27, 2015 7:46 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4246

Re: Smart phone data usage

I do a moderate amount of music/radio streaming -- probably 4-5 hours per week, some other data consuming apps as well as the usual email, browsing etc. I probably average between .5-.75 gb per month. Sometimes less. The data (and battery) can be managed by keeping background data shut off (restrict...
by jebmke
Fri Jun 26, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Google Map: How To See Traffic Far Away
Replies: 25
Views: 1982

Re: Google Map: How To See Traffic Far Away

I keep location off unless I need it. Battery burner. I've not found nav apps that useful for driving except to recover from a wrong turn. I usually know where i"m going before I set off and often the nav app doesn't really know the best way. From my house in MD to Queens NY, the apps -- all of...
by jebmke
Fri Jun 26, 2015 2:14 pm
Forum: Personal Consumer Issues
Topic: Best Way to Conduct Online Meetings?
Replies: 15
Views: 735

Re: Best Way to Conduct Online Meetings?

livesoft wrote:Even when trained, they don't follow the fules.


My experience has been that people often follow the fules. That is real problem.
by jebmke
Thu Jun 25, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me w/ logic of bonds over high yield savings
Replies: 5
Views: 919

Re: Please help me w/ logic of bonds over high yield savings

lack_ey wrote:Not everyone thinks they're overvalued.

Plenty of buyers out there at today's prices.
by jebmke
Thu Jun 25, 2015 4:18 pm
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 4736

Re: Did 2008 change your investing strategy?

2008 was when we started loosely following Larry Swedroe's nominal/Tips strategy. We shifted a significant block of money from short-term investment grade (nominal) bond fund to long individual Tips when rates spiked to ~3%. Can you post a link to learn about this strategy? Is it easy enough to und...
by jebmke
Thu Jun 25, 2015 3:49 pm
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 4736

Re: Did 2008 change your investing strategy?

2008 was when we started loosely following Larry Swedroe's nominal/Tips strategy. We shifted a significant block of money from short-term investment grade (nominal) bond fund to long individual Tips when rates spiked to ~3%.
by jebmke
Tue Jun 23, 2015 8:10 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 20228

Re: What was the 2008 crash like in real time?

I wasn't paying attention in 1987, but by all accounts people did think in terms of "the precipice of ceasing to exist." My wife was in the business (buy side) in 1987. We used to joke (only part joke) about staying off the sidewalks in the financial district in Boston to make sure we did...
by jebmke
Tue Jun 23, 2015 4:59 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 20228

Re: What was the 2008 crash like in real time?

Call_Me_Op wrote:The truth of the matter is not only did we not know WHEN the decline would end, we did not really know whether it would end at all.

True with any decline, I suppose. That is one of the reasons why the 2000-03 one was so grueling -- it was stretched out over a longer period than 08-09.
by jebmke
Tue Jun 23, 2015 4:31 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 20228

Re: What was the 2008 crash like in real time?

we had one co-worker who was nearing retirement that would get pretty choked up about it I retired in December, 2007 :? but I was lucky enough to get recalled as a consultant with my former employer. I remember running into an admin assistant who was in her late 60s and planning to retire soon. She...
by jebmke
Tue Jun 23, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 20228

Re: What was the 2008 crash like in real time?

I must be getting old since I found the 2000-2001 crash to be a lot more gut wrenching. Same here. It seemed to grind on and on whereas the '08-09 seemed quicker. Once we got past the debt market crises -- which were mostly in '08 if I recall correctly -- it seemed like the rest was just a quick, o...

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