Search found 3692 matches

by jebmke
Sat Aug 01, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 192
Views: 16489

Re: Free Windows 10 Upgrade, Yes or No?

Been waiting for two days and still have not gotten the notice. I know Microsoft is sending it out in waves with the developers and beta testers first, anybody know the schedule when us regular users will be next? Go here and download the Windows 10 media creation tool: https://www.microsoft.com/en...
by jebmke
Sat Aug 01, 2015 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation - tax on payouts?
Replies: 11
Views: 778

Re: Deferred Compensation - tax on payouts?

RE 1. All I can tell you is I've been receiving deferred comp from a non-qualified savings plan, which received the contributions after my 401k tax deferral limit was maxed out. I get a w-2 for the yearly income and the amounts in the SS and Medicare wages boxes are zeros. RE 2: I'm sure that doesn...
by jebmke
Sat Aug 01, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Swim Goggles for Near-Sighted People
Replies: 4
Views: 319

Re: Swim Goggles for Near-Sighted People

When I used to wear contacts I just wore the goggles with no correction. Even with pretty bad vision, it didn't really matter.
by jebmke
Sat Aug 01, 2015 3:22 pm
Forum: Personal Consumer Issues
Topic: Major home renovation your thoughts
Replies: 32
Views: 2899

Re: Major home renovation your thoughts

This stuff sounds costly, but there is a reason people don't install sprinklers in their home. Not only is it expensive to install and maintain, fire is a pretty low risk. There's is likely a far greater risk of having your stove set off the sprinklers and ruining all your stuff, require gutting th...
by jebmke
Sat Aug 01, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a franchise
Replies: 19
Views: 1808

Re: Opening a franchise

Buying a franchise is buying yourself a job. You will work a lot of hours and get pay very little. We looked into this back in the late 90s. Met with a lot of owners, some with 1-2 units and one with 30+ in one city with centralized prep and administration. In every case, the one/two-offs were basi...
by jebmke
Sat Aug 01, 2015 11:57 am
Forum: Investing - Theory, News & General
Topic: Which is more optimal in retirement? Total return vs. income investing
Replies: 23
Views: 1401

Re: Which is more optimal in retirement? Total return vs. income investing

I use total return and try to keep things as simple as possible so I don't have to fuss with it and it will be low maintenance for my spouse should I pre-decease her. Income is an artifact. If I need cash beyond what is generated by dividends in taxable, I sell something. I do this monthly to fund t...
by jebmke
Sat Aug 01, 2015 11:30 am
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 38
Views: 2196

Re: Router Upgrade

but even that repeater isn't good enough to get reliable signal into my garage, where I have to powerline it in. (Which still glitches out from time to time, annoylingly.) I get approx 125 mbps between a desktop and a NAS using powerline and a gigabit switch. My N router does the DHCP but the switc...
by jebmke
Sat Aug 01, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Best use of early retirement (low income) years?
Replies: 15
Views: 1313

Re: Best use of early retirement (low income) years?

Also remember that this is a time you will normally not get as much benefit from deductions. Before you shift from high income to low income is a good time to pre-fund charitable contributions to a DAF. The tax rate arbitrage can more than offset the additional carrying cost of the investments in th...
by jebmke
Fri Jul 31, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 21
Views: 2717

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

IRS tends to misplace paperwork you mail them I was about a year into my 2009 tax year inquiry and they lost my entire file. I had to resend them a new copy of supporting documents sent in response to their inquiry. It pays to keep good files and always get POD. They eventually caught up with every...
by jebmke
Wed Jul 29, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Medical Expenses in Retirement
Replies: 18
Views: 1379

Re: Handling Medical Expenses in Retirement

I pay out of pocket medical expenses the same way I pay other monthly bills - billpay. Most of our expenses are on credit cards or DD. So by the end of the month, I pretty much know what our cash flow needs are. I then sell off something at Vanguard to cover next months payments. The DDs all hit at ...
by jebmke
Tue Jul 28, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: Well water did not pass total coliform bacteria
Replies: 13
Views: 1425

Re: Well water did not pass total coliform bacteria

Just out of curiosity, do you folks test the well water at some interval? Ours tested clean when we bought the house (2007) but we've never tested it since.
by jebmke
Tue Jul 28, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6144

Re: wife got in wreck with Honda CRV - no collison coverage

I'd never spend $10K to re-inflate a car. Find the safest mid-size or larger you can possibly afford. Volvo comes to mind (something like S60 or larger) but I'm sure there are other similar models. The "go with a Volvo/something built like a tank" approach protects the OP's wife and child...
by jebmke
Tue Jul 28, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6144

Re: wife got in wreck with Honda CRV - no collison coverage

I'd never spend $10K to re-inflate a car. Find the safest mid-size or larger you can possibly afford. Volvo comes to mind (something like S60 or larger) but I'm sure there are other similar models. s60 is still a pretty small car and is a notch up on the price scale compared to honda. It might be w...
by jebmke
Tue Jul 28, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6144

Re: wife got in wreck with Honda CRV - no collison coverage

I'd never spend $10K to re-inflate a car. Find the safest mid-size or larger you can possibly afford. Volvo comes to mind (something like S60 or larger) but I'm sure there are other similar models. will look into the Volvo, what about $5K to repair the CRV? I would have two worries. Structural weak...
by jebmke
Tue Jul 28, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6144

Re: wife got in wreck with Honda CRV - no collison coverage

I'd never spend $10K to re-inflate a car. Find the safest mid-size or larger you can possibly afford. Volvo comes to mind (something like S60 or larger) but I'm sure there are other similar models.
by jebmke
Sat Jul 25, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: "Total" Stock No More So than "Total" Bond
Replies: 52
Views: 3811

Re: "Total" Stock No More So than "Total" Bond

terrabiped wrote:Don't fixate on the fund name. Read the prospectus.

Exactly. This is why I don't have much sympathy for investors who may have been slammed in state tax exempt funds that loaded up on PR bonds.
by jebmke
Fri Jul 24, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: Apple individual stock, what am I missing here?
Replies: 55
Views: 4129

Re: Apple individual stock, what am I missing here?

I seem to recall seeing that a very large portion of their profit comes from iPhones. That is a lot of concentrated risk.
by jebmke
Fri Jul 24, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: CrashPlan NOT a whole-drive system backup solution?
Replies: 29
Views: 1912

Re: CrashPlan NOT a whole-drive system backup solution?

DO NOT expect DROPBOX to be a "BACKUP". If you somehow trash files on your computer, Dropbox will assume you meant to delete them and will "sync" that delete. Yeah, supposedly you can get prior versions or deleted versions, but you might not even know what got deleted. It just d...
by jebmke
Fri Jul 24, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: CrashPlan NOT a whole-drive system backup solution?
Replies: 29
Views: 1912

Re: CrashPlan NOT a whole-drive system backup solution?

Can you give the brand/type/name of device that can do this? I have never actually done this myself. We have a state technical guru who prepares a standard image we use state-wide. Any USB flash drive, as long as it is big enough (we use 8gb) will work. Creating the standard image is not a trivial ...
by jebmke
Fri Jul 24, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: CrashPlan NOT a whole-drive system backup solution?
Replies: 29
Views: 1912

Re: CrashPlan NOT a whole-drive system backup solution?

What I'm not sure about is if a computer goes belly up, and can't be revived, can the system files be put onto a *different* computer, or would anti-piracy protections interfere? And would this be a problem for other full imaging programs? My only experience restoring a disk image is with a replace...
by jebmke
Fri Jul 24, 2015 8:48 am
Forum: Personal Finance (Not Investing)
Topic: IRS not sending 83(b) confirmation
Replies: 9
Views: 688

Re: IRS not sending 83(b) confirmation

dolphinsaremammals wrote:My experience with the IRS and postal mail is that it can take several months to get a letter back.

Yes. My last audit was for 2010 and the response time I had on correspondence then was ~2-3 months. With the cutbacks since that time I would not be surprised if response time was 6+ months.
by jebmke
Fri Jul 24, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: CrashPlan NOT a whole-drive system backup solution?
Replies: 29
Views: 1912

Re: CrashPlan NOT a whole-drive system backup solution?

Ideally, I think I'd do a periodic 'image' backup of the drive, but let crashplan deal with the files I'm working on. This is what I do. CrashPlan is not the same as DropBox and it is not the same as imaging software (like Macrium, Acronis and others). I only restore an image if I really hose up a ...
by jebmke
Thu Jul 23, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying estimated taxes
Replies: 20
Views: 2269

Re: Not paying estimated taxes

I don't want to increase wife's withholding and it won't be enough. Either I pay withholding taxes this year from an additional inherited IRA distribution, or I accept a 3% penalty on the total income tax I owe (minus wife's yearly amount withheld), and PAY THE TAX and the PENALTY of 3% next year. ...
by jebmke
Thu Jul 23, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Not paying estimated taxes
Replies: 20
Views: 2269

Re: Not paying estimated taxes

You will pay taxes on the IRA withdrawal eventually so the penalty is an incremental hit. Not a good idea in my opinion.
by jebmke
Thu Jul 23, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2065

Re: Is there a service that will email you with each credit card purchase?

Still, I like the alerts as it could help to detect fraudulent charges. I did receive notice of a charge for an online purchase a few years ago that was fraudulent and was immediately able to cancel my card and dispute the charge. This would not have been recognized otherwise until the credit card ...
by jebmke
Thu Jul 23, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2065

Re: Is there a service that will email you with each credit card purchase?

Chase also has this. You can set it per amount, international, etc. Even when out of the country, I would get the purchase email to my gmail account and it would pop up while signing the signature slip. Very fast. Does the email contain information on the payee and amount? If so, I'm sure Google ap...
by jebmke
Thu Jul 23, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2065

Re: Is there a service that will email you with each credit card purchase?

Many card companies have alert systems. My AMEX sends me a text whenever a charge hits with card not present. The text usually comes within 10-15 seconds of the charge. I can't recall if there was an option for all charges but I don't see why not.
by jebmke
Wed Jul 22, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3731

Re: How to pay taxes on blog income?

pshonore, I refer to them as "EIC ceiling watchers"; always looking up at the ceiling to look for their income and expenses to go on their Sch C. Funny how those figures just appear there so it maximizes their EIC! :annoyed Then they get disturbed with me when I refuse to do their return ...
by jebmke
Mon Jul 20, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Success with Mitsubishi A/C?
Replies: 4
Views: 667

Re: Success with Mitsubishi A/C?

I have had a Mitsu split ductless unit for ~ 4 years. These are great systems. Extremely efficient and quiet. Have had zero maintenance issues with it. Mine is a 9,600 BTU system (cool and heat). Last winter we had some mornings down to high single digits and it still produced heat.
by jebmke
Sat Jul 18, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1444

Re: Needing an External Drive

If the drive is visible in Windows, reformatting the drive is two clicks. Select the drive, e.g. F: -- then right click and select "Format" from the menu. You get a choice of FAT32 or NTFS. The drive is probably preformatted NTFS. All you need to do is select FAT32 and the rest is history.
by jebmke
Sat Jul 18, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6559

Re: A retiree's personal experience...

sambb wrote:experience may differ if one retires at height of a bull market, and then there is a severe downturn

Yes. I retired December, 2007. :shock:
by jebmke
Sat Jul 18, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Philosophical HVAC Question: When to Replace AC/furnace
Replies: 24
Views: 1790

Re: Philosophical HVAC Question: When to Replace AC/furnace

We ran ours until it died. The outside unit was second generation. The indoor unit was the original one that came with the house -- 30+ years old. When we replaced the whole system the installers nodded approvingly at how long the air handler held together.
by jebmke
Sat Jul 18, 2015 8:02 am
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6038

Re: losing money on a house....how do Bogleheads deal with it emotionally?

If the condo was an investment property there may be depreciation recapture.
by jebmke
Sat Jul 18, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 4942

Re: Recommendations for gas grill

We had a Weber for over 20 years and replaced it with a newer one two years ago. The original still worked but we got tempted by the shiny new one.
by jebmke
Fri Jul 17, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 1700

Re: Getting rid of moles & voles (rodents)

If one researches further it would be found that earthworms are a moles primary food source, not grubs. I have seen that mentioned as well. We will probably just live with the ones we have and let the owls have their way with them. We live on the water and unless there is something that has potenti...
by jebmke
Fri Jul 17, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4285

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

I think it's very unwise to recommend that somebody skip scheduled maintenance where replacement of critical components is required. It might seem nuts to some, but anecdotal evidence that you don't need to do maintenance because your car lasted for 200,000 miles without it is not evidence at all. ...
by jebmke
Thu Jul 16, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax backup to cloud discontinued for desktop version only
Replies: 3
Views: 370

Re: Turbotax backup to cloud discontinued for desktop version only

Ged wrote:I would not store my Turbotax files on the cloud. The idea makes my skin crawl.

Did you e-file?
by jebmke
Thu Jul 16, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1444

Re: Needing an External Drive

Livesoft is right on the FAT32 in terms of file size. It is unlikely that you will have a music file > 4gb but video might be. You can select FAT32 or NTFS with Windows so you should be able to format it any way you want to.
by jebmke
Wed Jul 15, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 1700

Re: Getting rid of moles & voles (rodents)

which deposits poison bait under the ground in the gopher's tunnels. Poison is very bad for predators like raptors and foxes (and snakes). They will eat dead or sick rodents and consume the poison. I forgot to mention the snakes above. We have some pretty hefty black ones that compete with the owls...
by jebmke
Wed Jul 15, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5660

Re: The " Corolla" investment....

We have a 2006 Corolla that is still on its original battery.
by jebmke
Wed Jul 15, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 1700

Re: Getting rid of moles & voles (rodents)

Ours only hang around in the early spring. By summer, the owls pretty much reduce the population back. We have a great horned owl that drops down into the back yard and runs around like an Ewok and finds them. Owls have very good hearing and they can hear things that are underground. I was told that...
by jebmke
Wed Jul 15, 2015 1:56 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your cash?
Replies: 64
Views: 7840

Re: Where do you put your cash?

I don't have cash, but I use a short-term corporate bond index fund that I trade out of to buy stocks ETFs at opportune times and then sell those stock ETFs within a week or so and buy back the short-term corporate bond index fund shares. What exactly is the purpose of your cash anyways? You must b...
by jebmke
Wed Jul 15, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Where do you put your cash?
Replies: 64
Views: 7840

Re: Where do you put your cash?

Limited Term Tax Exempt. Current SEC yields is around 1% (federal tax exempt, but state income tax applies).
by jebmke
Tue Jul 14, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Tax Consequnces of Retiring to VA or TN
Replies: 14
Views: 1333

Re: Tax Consequnces of Retiring to VA or TN

When we were deciding where to retire, taxes wasn't even in the top 5 in terms of criteria. Wherever you go, I'd recommend renting a home for a year or two to make sure you are comfortable with the choice.
by jebmke
Tue Jul 14, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: Need 'secure' flash drive(s)
Replies: 15
Views: 1173

Re: Need 'secure' flash drive(s)

The lack of replies may be because your requirements are not clear. What do you mean by "protected". Are you concerned that the media will be unreadable if it is stolen or misplaced? Is this a transport issue (i.e. sending it by courier)? Encryption is available for any media, including y...
by jebmke
Tue Jul 14, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7540

Re: Are you going to shop on Prime Day?

What is Prime Day? I have Prime but I have not heard anything about it. It's a day Amazon.com made up. They will slash (how much? Not sure) prices on numerous products they sale as if it were a Black Friday sale They sure didn't advertise it much. First I heard of it also and I am prime member.
by jebmke
Tue Jul 14, 2015 7:54 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4094

Re: Cost of Routine Dental Cleanings

For as long as I remember, I never paid anything for cost of routine dental cleanings every 6 months. When I moved out of California, I have to pay about $150 to the new dentist every year for routine cleanings. We have the same insurance. I don't get it. Your plan must have changes. Have you looke...
by jebmke
Tue Jul 14, 2015 7:38 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4094

Re: Cost of Routine Dental Cleanings

$66 for cleaning and oral exam. Additional $29 for bitewing xrays when needed. Baltimore-Annapolis corridor.

We use a discount plan from dentalplans dot com. No insurance.
by jebmke
Mon Jul 13, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5102

Re: VRBO illegal rental [Vacation Rentals by Owner]

Company like VRBO and airbnb (actually same company) exist solely to facilitate the add space and the transaction but they do virtually nothing to vet the actual rental. The plain truth is that the company could not possibly track and vet the advertised rental properties given the literally tens of...
by jebmke
Mon Jul 13, 2015 2:37 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5102

Re: VRBO illegal rental

adamthesmythe wrote:I live in one of the towns with a 30 day rule, which is regularly flaunted.

Near me there is a small waterfront village that has a 30 day rule. It isn't flaunted much because if they catch you there is a substantial fine for both the tenant and the landlord. Word travels fast.

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