Search found 4310 matches

by jebmke
Sun May 01, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to file an amended tax return?
Replies: 5
Views: 295

Re: Do I need to file an amended tax return?

Now I've got to figure out HOW to do it. I'll start with a Bogleheads search. Thank you again. If you used tax software it will be simple. The software will have a routine for amendments. Basically you will be completing 1040X plus the Schedule B (revised). This is all that gets sent to the IRS. Am...
by jebmke
Sun May 01, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to file an amended tax return?
Replies: 5
Views: 295

Re: Do I need to file an amended tax return?

I would amend. Amendments are easy. They will eventually find the mismatch and they will send you a reminder. It won't be gentle (won't be mean either but they will demand their money plus interest). One easy way to avoid this problem in the future is to reconcile your income tax return with the Dec...
by jebmke
Sat Apr 30, 2016 6:25 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7240

Re: dividend stocks

True, not same effort. On the other hand, more control and lower taxes. I agree on the psychology but disagree that dividends have a material controlling influence on boards. I've seen boards ravage a company to preserve a dividend. I haven't seen any data based analysis that indicates that dividend...
by jebmke
Sat Apr 30, 2016 4:30 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7240

Re: dividend stocks

I didn't mean (or write) that dividend payments continue forever. I meant that a dividend payment in YOUR HAND is forever. It can't be taken back. It can't be removed. It's paid out. It's done. It's yours to do with what you will. That is why a dividend is forever. Same is true if you sell equivale...
by jebmke
Sat Apr 30, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7240

Re: dividend stocks

Not necessarily. The company for whom I worked stopped paying dividends during the 2008/9 recession. I worked for another that was supposed to be the gold-standard stock forty years ago. Same story. Both were supposed to be extremely well managed. Dividends get cut/canceled all the time. Sometimes ...
by jebmke
Sat Apr 30, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Small Overpayment on Taxes?
Replies: 13
Views: 956

Re: Small Overpayment on Taxes?

I agree with others. I'd amend if only for the experience of doing an amendment. Normally amendments are easier than doing the original return. I do a half dozen or so every year. The biggest pain is printing and mailing the forms.
by jebmke
Fri Apr 29, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7240

Re: dividend stocks

But the dividends do disappear - especially in deep recession. When that happens, I sell bonds -- and buy stocks(and food). If they only hold stocks they are screwed but should be because they are over-weighted in equity.
by jebmke
Fri Apr 29, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7240

Re: dividend stocks

Then you are not like many people who use dividend income for expenses. Acutally, I do -- but only because they are an artifact of a diversified equity index fund holdings. I supplement them if needed with selling of bonds or equity depending on which asset group is above target. I don't really thi...
by jebmke
Fri Apr 29, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7240

Re: dividend stocks

Because when the price of VSMGX (substitute any security or fund name here) drops precipitously you'll be forced to sell MORE shares at exactly the wrong time to continue to raise needed cash. 53timr can hold his position, and wait out the market downturns. That's how. Selling shares to raise a fix...
by jebmke
Fri Apr 29, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: sprint, jog or coast to the finish (early retirement)
Replies: 2
Views: 571

Re: sprint, jog or coast to the finish (early retirement)

I more or less sprinted to 55 -- but that was because I liked my job and it took a lot of time. After that, I got brought back as a consultant and replace about 2/3 of my income for about 3 years (I'd guess I put in about half the time). Then I cut the cord completely. During the consultant time I p...
by jebmke
Fri Apr 29, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need anything more than WillMaker?
Replies: 13
Views: 1134

Re: Do I need anything more than WillMaker?

Not a fan of rolling your own on this (wouldn't perform surgery on myself either). When the time comes to execute the will, you don't get a do-over.
by jebmke
Thu Apr 28, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 83
Views: 6815

Re: Selling in May and Walking Away?

Is there any data based analysis that supports this strategy?
by jebmke
Thu Apr 28, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 3756

Re: How do you stop robo-calls/unwanted calls?

Gill wrote:We have a Panasonic phone set that allows you to block 250 unwanted calls. Have had it for about two years and there are now nearly 200 on our blocked list. Works very well.
Gill

Same here.
by jebmke
Thu Apr 28, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 28
Views: 1730

Re: Mosquito control for home

I moved from the south last year. Getting away from mosquitoes was in the top five reasons for me to go. I would try to be more helpful, but literally nothing works depending on your geography. I've lived in the South most of my life, but the worst -- absolutely the WORST -- mosquito problem I've e...
by jebmke
Thu Apr 28, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: fairly new router keeps checking out, get a new one?
Replies: 22
Views: 1378

Re: fairly new router keeps checking out, get a new one?

montanagirl wrote: I had free rein until he logged on and started browsing.


I inferred from an earlier post that he is hard-wired (ethernet). If that is true, it isn't likely the wireless side of the router.

When your system works fine, is his desktop powered off or powered on but just not being used?
by jebmke
Thu Apr 28, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: A/C outside unit suggestions
Replies: 9
Views: 776

Re: A/C outside unit suggestions

We have had a Bryant (two stage heat pump) for about 4 years and are very happy with it. Some of the labels are made by the same company. Bryant and Carrier(I think) are the same basic equipment with a little tweaking around the control infrastructure. Trane may also be made by the same company as s...
by jebmke
Thu Apr 28, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 28
Views: 1730

Re: Mosquito control for home

Huh? Where did I say I am going to spray in the water body? The lake borders the property, the property is over 1.5 acre. You didn't, but some of these products cannot be used within ____ feet of a body of water or stream. Read and follow the labels. Exactly. Also, the MSDS, which the manufacturer ...
by jebmke
Thu Apr 28, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 28
Views: 1730

Re: Mosquito control for home

When it rains, where do you think the stuff ends up? btw, a lot of this stuff is extremely toxic to pets, especially cats. Not saying don't use it -- just know what you use and act accordingly. I have 3 acres bordering water. There are some chems that if I used them and the state found out, I'd be l...
by jebmke
Thu Apr 28, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 28
Views: 1730

Re: Mosquito control for home

I should also note that our property borders with a small lake and that could be where they lay eggs -- although I have seen fish in that lake. Its every year that we get a whole bunch of mosquito and on our property at least we dont have any still water. Check on the products you intend to use. Ma...
by jebmke
Wed Apr 27, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 28
Views: 1730

Re: Mosquito control for home

One of the keys is eliminate any place they can breed. Also consider encouraging bats if you have the right habitat. We have a couple bat houses and once the season starts (soon) we will regularly get a few bats cruising the sky at twilight. Our neighborhood has a program where we contribute an amou...
by jebmke
Wed Apr 27, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth on why bond funds are better than individual bonds
Replies: 63
Views: 4913

Re: Allan Roth on why bond funds are better than individual bonds

longinvest wrote:
jebmke wrote: But for $100K, I'd probably just dump it in an online savings account at this point.

Jebmke,

So, are you up to the challenge with your savings account against VBTLX?

Best regards,

longinvest

for smaller amounts (<=$100K), it just doesn't make a big difference.
by jebmke
Wed Apr 27, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: fairly new router keeps checking out, get a new one?
Replies: 22
Views: 1378

Re: fairly new router keeps checking out, get a new one?

I had an old XP based desktop that was causing similar problem. I nuked it and recycled it. I suspected a bad ethernet card but the machine was at the end of its life. You could try installing a new card if the desktop is a keeper. Before doing that, I'd try updating the driver for the card that is ...
by jebmke
Wed Apr 27, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: Allan Roth on why bond funds are better than individual bonds
Replies: 63
Views: 4913

Re: Allan Roth on why bond funds are better than individual bonds

Doc, For $60 per year (0.06% ER), I can put my $100,000 in VBTLX and forget about it. You're telling me that I could do better and save this $60 ($5 per month). So, are you willing to take the challenged I offered Larry? I want full documentation, in advance, of a real-life scenario starting today ...
by jebmke
Wed Apr 27, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: Handling RMDs
Replies: 31
Views: 1824

Re: Handling RMDs

I'm not a big fan of making final decisions with "calculators". I have seen many calculators that don't accurately do tax calculations. Tax calculations are complicated and IMO there is no substitute for preparing a mock return and using real tax software to do the calculations. Tax bracke...
by jebmke
Wed Apr 27, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: Handling RMDs
Replies: 31
Views: 1824

Re: Handling RMDs

I plugged the numbers into the Vanguard calculator. It did not show any advantage. A ROTH conversion is taxed the same as a withdrawal. The only difference is where the money ends up - taxable vs. tax-free investments. As to your question, the only reliable way to know what the impact will be in ta...
by jebmke
Wed Apr 27, 2016 10:11 am
Forum: Investing - Theory, News & General
Topic: Handling RMDs
Replies: 31
Views: 1824

Re: Handling RMDs

Why is ROTH conversion not beneficial and withdrawing beneficial?
by jebmke
Tue Apr 26, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: tax write off?
Replies: 2
Views: 236

Re: tax write off?

Usually the simplest way to expense auto use is to use the mileage method. But even this method is a bit tricky because if the normal place she is working is at a client's location, part of the mileage will be considered commuting and is not a business expense. I would suggest looking at the instruc...
by jebmke
Mon Apr 25, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Relo Benefits Grossed Up
Replies: 5
Views: 378

Re: Relo Benefits Grossed Up

If I remember correctly from my gross-up days, the gross-up itself is considered income so there will be tax paid on the gross-up in addition to the relo benefit. Gross-ups and imputed income can result in some very impressive-looking W2s at the end of the year - a good bit of it is a mirage.
by jebmke
Sun Apr 24, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57864

Re: Have you upgrade to Windows 10?

But some settings are found in the new Windows 8/10-like tablet-friendly interface. It's cosmetically annoying. I installed Classic Shell on a W10 VM. It appears to have Control Panel and PC Settings. I haven't checked everything but I haven't gone to Control Panel and not found what I was looking ...
by jebmke
Sun Apr 24, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: What to include when calculating asset allocation?
Replies: 4
Views: 504

Re: What to include when calculating asset allocation?

I don't discount for taxes. I only include an asset I can convert to food in a reasonable time (a few biz days) so no real estate, no unvested assets, no future income streams (social security, pension).
by jebmke
Sun Apr 24, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to make sure the IRS received my 1040?
Replies: 12
Views: 1045

Re: How to make sure the IRS received my 1040?

The Federal EFTPS is quite fast. Typically it updates the next day and adjust your bank account for payments made. We found filing a paper return plenty fast fast enough for our needs too. Sent it by priority mail on March 30 and got a refund check back on Friday 4/22. JW As far as I know, the EFTP...
by jebmke
Sat Apr 23, 2016 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to make sure the IRS received my 1040?
Replies: 12
Views: 1045

Re: How to make sure the IRS received my 1040?

Refund or tax owed? Mailed it early this month USPS certified mail and have been checking the tracking for the last few days. Message received continues to be: "Your item departed our USPS facility in KANSAS CITY, MO 64121 on April 3, 2016 at 8:38 pm. The item is currently in transit to the de...
by jebmke
Sat Apr 23, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Windows Error message
Replies: 15
Views: 764

Re: Windows Error message

CaptAmerica1941 wrote:Where do I find the last restore point? And thanks for the replies

Open up Control Panel. There should be something called Backup and Restore as one of the menu items.
by jebmke
Sat Apr 23, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Amending 2014 return on Turbo Tax
Replies: 3
Views: 203

Re: Amending 2014 return on Turbo Tax

I have a suspicion that the online version doesn't permit forms view.

If the change is not complex, you should be able to complete the 1040X and revised schedules using a paper form. The amended return has to be paper-filed anyway.
by jebmke
Sat Apr 23, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Windows Error message
Replies: 15
Views: 764

Re: Windows Error message

that should work as well. It will roll back everything in addition to the Windows updates.
by jebmke
Sat Apr 23, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Windows 10 question
Replies: 12
Views: 634

Re: Windows 10 question

Does it shutdown properly when you click Shutdown from the start button? Yes. I only have a problem with the power button. It is a desktop. I have put windows 10 on some other computers this is the only one I am having a problem with. If I press the power button and hold it down the computer will s...
by jebmke
Sat Apr 23, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Windows Error message
Replies: 15
Views: 764

Re: Windows Error message

You should be able to go to Windows Update and uninstall the latest update.
by jebmke
Sat Apr 23, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Windows 10 question
Replies: 12
Views: 634

Re: Windows 10 question

Does it shutdown properly when you click Shutdown from the start button?
by jebmke
Sat Apr 23, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Windows 10 question
Replies: 12
Views: 634

Re: Windows 10 question

rec7 wrote:I updated an old computer to windows 10 works great except for a power button problem. After the sleep cycle press the power button the computer wakes up but the power button does nothing after that any ideas?

What is it you are expecting to happen?
by jebmke
Sat Apr 23, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Amending 2014 return on Turbo Tax
Replies: 3
Views: 203

Re: Amending 2014 return on Turbo Tax

Go into forms view and add a form 1040X. Check the top of the form that says 2014. At this point, the 1040x should reflect your existing return. About half way down check the areas you are changing (there is a section called "Manual Selection of Lines Calculated .....) . Then go to the subsidia...
by jebmke
Sat Apr 23, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: 1040X supporting documents
Replies: 3
Views: 196

Re: 1040X supporting documents

Generally you would include the 1040X and any Schedule that has changed. There is a place on the 1040X where you explain the change.
by jebmke
Sat Apr 23, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57864

Re: Have you upgrade to Windows 10?

I have not tried any upgrades. I am running Windows 10 with Classic Shell in a VM on VirtualBox. It seems to run fine and I have been able to install three legacy printers without seeking out drivers from the mfr. I have a couple more very old printers to try in the next few months. If things look g...
by jebmke
Thu Apr 21, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Dividend Taxation
Replies: 7
Views: 458

Re: Qualified Dividend Taxation

Yes, that is one. About halfway down there is a graph that helps explain what is going on.
by jebmke
Thu Apr 21, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Dividend Taxation
Replies: 7
Views: 458

Re: Qualified Dividend Taxation

This is that pesky undocumented 30% bracket that kicks in when your other income is added to your dividends. Eventually, if the total pushes you up enough the marginal rate is 30% even though that isn't even a bracket. Somewhere there is a post that shows this graphically. If you search the site on ...
by jebmke
Thu Apr 21, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Complication donating Vanguard mutual fund to charity
Replies: 21
Views: 1462

Re: Complication donating Vanguard mutual fund to charity

There is a good chance that your church will be on the list. If they are a 501(c)(3) you can add them even if they are not in the VG database. Allow some time when you add them for VG to verify things.
by jebmke
Wed Apr 20, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 37
Views: 3261

Re: Want to buy a home safe - advice?

A "fireproof safe" may work for a small fire but a friend of mine can tell you they don't do much good in the case of a whole-house fire.
by jebmke
Wed Apr 20, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 37
Views: 3261

Re: Want to buy a home safe - advice?

Get a heavy one and bolt it. I can tell you from experience that a thief can remove a 350 pound one while you are gone for less than thirty minutes. Tim estate auctioneer a big one bolted to concrete from my FILs house when we cleared it out. Took him no more than 30 minutes. He used some kind of p...
by jebmke
Tue Apr 19, 2016 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: how much to tilt when slicing and dicing 7%?
Replies: 44
Views: 2574

Re: how much to tilt when slicing and dicing 7%?

Everyone has different tolerance for tracking error. Personally, I think it needs to be 25%+ to really move the needle on returns. We were 60-80% SCV for many years but have since moved to mainly a TSM equity position. If the percentage is small, it won't have an impact on your results so why bother...
by jebmke
Tue Apr 19, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Cell phone - Separating work from life
Replies: 18
Views: 1667

Re: Cell phone - Separating work from life

I do tech support for a volunteer organization. I use Google Voice as well. I never answer it - it always goes to VM and I get an email. I listen to the message to decide whether to call back right away or wait until more convenient.

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