Search found 4360 matches

by jebmke
Thu May 26, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: IRS shows no estimated tax payment for January 2015
Replies: 3
Views: 217

Re: IRS shows no estimated tax payment for January 2015

I recommend keeping the PDF statements and not rely on the bank. My bank keeps them for quite a while but I have had to go back a few years on more than one occasion. Plus, if you change banks, you may not have access again. It probably got credited to the wrong account at the IRS. You might conside...
by jebmke
Thu May 26, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRS shows no estimated tax payment for January 2015
Replies: 3
Views: 217

Re: IRS shows no estimated tax payment for January 2015

Does it show up as a debit on the bank statement?
by jebmke
Thu May 26, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Forced use of automatic ACH withdrawals?
Replies: 16
Views: 988

Re: Forced use of automatic ACH withdrawals?

It does make it tougher for people without bank accounts. But it is a private business and they can choose to restrict their payment process as they wish. After living for a few years in a country where checks are not used, I got used to having everything electronic. I ran a finance operation in var...
by jebmke
Wed May 25, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 66
Views: 4999

Re: This Bull Seems to be Getting Pretty Long In the Tooth

I re-balanced a few times along the way to maintain my allocation. No tax cost since I booked a lot of losses in the great '08-09 TLH.
by jebmke
Wed May 25, 2016 8:14 am
Forum: Personal Consumer Issues
Topic: Had a sliding glass door installed in the past 5 or so years? How much...
Replies: 9
Views: 969

Re: Had a sliding glass door installed in the past 5 or so years? How much...

Four years ago we replaced all the glass in sunroom plus doors from bedroom to deck. five Anderson 200 series plus one Anderson 400 series french doors. All low e glass. All have screen sliders. Installed including replacing inside trim was $11,300. Getting a good installer is the key. Ours did all ...
by jebmke
Tue May 24, 2016 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Annual Summary?
Replies: 7
Views: 579

Re: Vanguard Annual Summary?

Normally they send me a paper annual statement in January. I don't get paper statements during the year - this is the only hard copy I keep.
by jebmke
Thu May 19, 2016 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Non cash donations
Replies: 9
Views: 721

Re: Non cash donations

The value of old stuff is lower than many people think. that's why we don't bother taking deductions with small value items like books and clothing (unless there is a unique item). Our local used book store sells books for 25-50 cents so the value of our books is nil. Clothing not much either.
by jebmke
Thu May 19, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Quicken to Spreadsheet
Replies: 11
Views: 733

Re: Quicken to Spreadsheet

My plan is to strip everything down to purchases and sales in taxable - I am really only interested in tracking basis. Vanguard prices everything on their web site and statements for valuations so I really can keep this simple. Fortunately I was able to consolidate the basis into a handful of giant ...
by jebmke
Thu May 19, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Quicken to Spreadsheet
Replies: 11
Views: 733

Re: Quicken to Spreadsheet

Were you able to extract your database and upload to the Google Sheet? Jeb, I started from scratch. It wasn't a big deal for me. I am not sure of that is possible. That is what I was afraid of. I have data going back to the 90s in Quicken. I only use it now to track basis in taxable. Jeb, It looks ...
by jebmke
Thu May 19, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Conservative friend getting out of muni/CDs for what?
Replies: 13
Views: 680

Re: Conservative friend getting out of muni/CDs for what?

Treasury notes - very short duration ones. Easy to buy, don't need to diversify across issuers. Pick desired duration and build a step-stool.
by jebmke
Thu May 19, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Quicken to Spreadsheet
Replies: 11
Views: 733

Re: Quicken to Spreadsheet

lostdog wrote:
jebmke wrote:Were you able to extract your database and upload to the Google Sheet?


Jeb,

I started from scratch. It wasn't a big deal for me. I am not sure of that is possible.

That is what I was afraid of. I have data going back to the 90s in Quicken. I only use it now to track basis in taxable.
by jebmke
Thu May 19, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Quicken to Spreadsheet
Replies: 11
Views: 733

Re: Quicken to Spreadsheet

Were you able to extract your database and upload to the Google Sheet?
by jebmke
Wed May 18, 2016 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Where does ER income come from?!
Replies: 14
Views: 1280

Re: Where does ER income come from?!

I would guess that many (most?) ERs saved in taxable on top of maxing out on tax-advantaged accounts.
by jebmke
Wed May 18, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 64
Views: 4135

Re: Emergency Preparedness

As livesoft says, it is basically unprecedented in US history that you would need to go 6-weeks, so that seems like over-preparation. Actually during the anthrax scare they were tossing numbers like that around. OP was thinking of weather-related disasters, but there is more than one kind of natura...
by jebmke
Wed May 18, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: How do you do your taxes for your international funds?
Replies: 7
Views: 559

Re: How do you do your taxes for your international funds?

Also, if the foreign tax paid is $300 or less ($600 if married filing jointly), you can enter the amount of tax paid directly on the 1040 and claim the credit without filing Form 1116.
by jebmke
Wed May 18, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: How do you do your taxes for your international funds?
Replies: 7
Views: 559

Re: How do you do your taxes for your international funds?

If you have mutual funds you can put "RIC" [Registered Investment Company] as the country on form 1116 and lump all the income, tax, etc. in one column. Will this result in getting the tax credit for each country? Does the fund inform the IRS which countries it holds? The credit will be c...
by jebmke
Wed May 18, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: How do you do your taxes for your international funds?
Replies: 7
Views: 559

Re: How do you do your taxes for your international funds?

If you have mutual funds you can put "RIC" [Registered Investment Company] as the country on form 1116 and lump all the income, tax, etc. in one column.
by jebmke
Wed May 18, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5999

Re: Arrgghhh !!! Windows 10 installed overnight

There are earlier threads on how to edit the registry to block the W10 updates.
by jebmke
Tue May 17, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5999

Re: Arrgghhh !!! Windows 10 installed overnight

I had to force my laptop to not download the Windows 10 upgrade because it's incompatible with a program I want to keep. I've used Quicken Medical Expense Manager for years but it's no longer supported by Intuit. I think when I first started using it I had Windows 98. It has continued to work throu...
by jebmke
Tue May 17, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Starting Point For Navigating Through Medicare Maze
Replies: 19
Views: 1158

Re: Starting Point For Navigating Through Medicare Maze

Our local senior center has a staff person who is a medicare specialist to assist center members with just this issue. You might see if there are similar resources in your area.
by jebmke
Tue May 17, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Records
Replies: 12
Views: 843

Re: Tax Records

Mt opinion: Keep seven years' of returns with supporting documentation. Keep the actual returns forever. Keep supporting documentation forever or as long as you need to. That includes IRA basis (Form 8606), investment or collectibles purchase records, and HSA records, including records of unclaimed...
by jebmke
Tue May 17, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 5999

Re: Arrgghhh !!! Windows 10 installed overnight

If you want to get the UI back to W7 style, you can install Classic Shell
http://www.classicshell.net/

I have used this on W8 laptops and have installed it on W10 virtual machines without incident.
by jebmke
Mon May 16, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 20
Views: 1071

Re: Separate data partition on dual-boot system?

You can download Windows without a key -- you can even install it without a key. Eventually, you have to enter the key to validate the system with MS. I am not familiar with how Windows manages the key system in W10. I have seen some references to a system that stores the key in your hardware. You m...
by jebmke
Sun May 15, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 20
Views: 1071

Re: Separate data partition on dual-boot system?

I agree with others that the cleaner solution is to put W10 in the VM and isolate the VM. I did try one experiment that may work. I don't know if it is a durable solution however (or even how secure it really is). I opened up the VM that is set up in Bridged network mode. Then I went to a command li...
by jebmke
Sun May 15, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Gifting and receiving back years later
Replies: 27
Views: 1905

Re: Gifting and receiving back years later

If this were a third party, I believe you would have to report this income on your US taxes (US taxes world-wide income) and try to recover the international tax on Form 1116. How is your scheme any different?
by jebmke
Sun May 15, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 20
Views: 1071

Re: Separate data partition on dual-boot system?

One question re: virtualization: Is it possible to be offline on the host system (say Windows), but online in the virtual space (Linux)? IOW, are the networking controls for each OS kept separate? The reason I ask is that if I end up with Windows 10 as the host system, I would prefer that it always...
by jebmke
Sun May 15, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Looking for Cloud Storage Solution for Photo Back Ups
Replies: 26
Views: 2820

Re: Looking for Cloud Storage Solution for Photo Back Ups

I have been testing Google Photos using the uploader app on a Windows 7 computer. So far, I am not impressed. I have not completed the entire uploading but I have found that (a) I am getting warning messages on a handful of files that they could not be uploaded - no reason given. The files meet thei...
by jebmke
Sat May 14, 2016 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Unbelievably frustrated with Vanguard website
Replies: 8
Views: 1486

Re: Unbelievably frustrated with Vanguard website

jogren wrote:i believe all new accounts are now brokerage since they asked us to "upgrade" our accounts.

I think this is true. I still have most of my assets in legacy accounts. When I transferred an IRA two years ago they automatically set it up as a brokerage account.
by jebmke
Sat May 14, 2016 8:05 am
Forum: Investing - Theory, News & General
Topic: How to treat a 2nd home or rental property in considering asset allocation?
Replies: 11
Views: 1109

Re: How to treat a 2nd home or rental property in considering asset allocation?

I do not include our rental property. It isn't a liquid asset so I just ignore it for allocation planning purposes. It is roughly cash flow neutral on a monthly basis so I don't even include it for income/cash planning.
by jebmke
Fri May 13, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Social Security Estimates
Replies: 5
Views: 381

Re: Question about Social Security Estimates

There is a cap on SS payroll tax. Earnings above the cap do not accrue any additional benefit.
by jebmke
Fri May 13, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Filed extension / Filed on time / which is due date?
Replies: 2
Views: 226

Re: Filed extension / Filed on time / which is due date?

Cuzz35 wrote:If you extended your return, the statute is 3 years from the date you filed your return (general rule).

This makes sense. The 3 years is to give them a window to detect and act of fraud. Can't do that until they have your return.
by jebmke
Fri May 13, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Lawncare - Chigger control
Replies: 9
Views: 859

Re: Lawncare - Chigger control

Dulocracy wrote: Use. A. Mask.

What kind of mask do you recommend?
by jebmke
Thu May 12, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Downsize to One Auto in Retirement ?
Replies: 43
Views: 3227

Re: Downsize to One Auto in Retirement ?

Can't get anywhere here without a car. So we currently have two. When we move back to a city we will reduce to one and eventually to none.
by jebmke
Wed May 11, 2016 4:42 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11158

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Can't you roll the money out of the 401(k) and broaden your choices?
by jebmke
Wed May 11, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do all Boglesheads die at 100?
Replies: 51
Views: 5869

Re: Do all Boglesheads die at 100?

celia wrote:I'm pretty sure most Bogleheads die BEFORE reaching 100 (just like the general population)!

That is my plan. If I run out of money or can't take care of myself, there is always a lawn chair, bottle of good tequila and high tide.
by jebmke
Wed May 11, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question
Replies: 6
Views: 1238

Re: Tax question

I don't even trust realtors on real estate matters. I wouldn't even begin to listen to them on tax matters.
by jebmke
Wed May 11, 2016 3:41 pm
Forum: Investing - Theory, News & General
Topic: Do bond fund distribution yields take into account expense ratios??
Replies: 6
Views: 865

Re: Do bond fund distribution yields take into account expense ratios??

Distributions are net of expenses. I have never understood any usefulness of distribution yield -- it certainly isn't useful for comparing investments.
by jebmke
Wed May 11, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 4013

Re: When do you use cash, when a credit card?

I use a card whenever I can. Makes it easier to manage cash flow.
by jebmke
Wed May 11, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Best withdrawal plan
Replies: 37
Views: 3711

Re: Best withdrawal plan

I have posted this before ... but, I know a lot of retirees and with a broad range of financial resources. To the best of my knowledge, none of them use any kind of mathematical withdrawal process. Some have pensions supplemented with modest investments that fund discretionary & emergency items....
by jebmke
Wed May 11, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Low flow shower head?
Replies: 41
Views: 5276

Re: Low flow shower head?

Why buy a new shower head when all you have to do is turn down the water to get that 'low flow'? This is basically what I do. Also keep them short. I have a well - water consumption is not a huge issue. But I also have a septic tank so water disposal is an issue. An alternative is use boat shower m...
by jebmke
Tue May 10, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6874

Re: 30 minute commute?

I don't think I've ever had less than a 30 minute commute, despite always living within 5 miles of work. Don't find it bad at all, but I kind of have to say that. Music gets repetitive and boring pretty quick for me but podcasts have worked out pretty well. Can't stand audiobooks. Mine were all 25-...
by jebmke
Tue May 10, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4499

Re: Noise Reduction

starguru wrote:Interesting, Im in the DC area, so that's mid-atlantic. What type of trees?

Arborvitae "Green Giant". Plant in the fall; feed after one year if in poor soil (clay). Ours took off.
by jebmke
Tue May 10, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4499

Re: Noise Reduction

Do you have a tree-line along the road? If not, plant some fast growing evergreens like arborvitae as a sound barrier. The Green Giant variety grows fast and fills out quickly I was just coming back to say "oh and shrubbery!" Ha, yes we have planted a row of fast growing evergreens. Probl...
by jebmke
Tue May 10, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4499

Re: Noise Reduction

Do you have a tree-line along the road? If not, plant some fast growing evergreens like arborvitae as a sound barrier. The Green Giant variety grows fast and fills out quickly
by jebmke
Mon May 09, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or OMY, [One More Year]
Replies: 65
Views: 9020

Re: Retire now or OMY,

If a boat is important to you it should be included in the baseline scenario. We had one in ours but for reasons unrelated to money, killed the idea.
by jebmke
Mon May 09, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or OMY, [One More Year]
Replies: 65
Views: 9020

Re: Retire now or OMY,

livesoft wrote:
I'd build in a 25% extra contingency in net worth, then retire. If you already have that built-in, then retire.


This is important not just for the de-risking aspect. It also makes it easier to devalue the one more year of income that you would get by staying.
by jebmke
Sat May 07, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to prepare base for Early Retirement 3-5 years out?
Replies: 15
Views: 2546

Re: How to prepare base for Early Retirement 3-5 years out?

Yes, taxes for sure. I count taxes as an expense.
by jebmke
Sat May 07, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to prepare base for Early Retirement 3-5 years out?
Replies: 15
Views: 2546

Re: How to prepare base for Early Retirement 3-5 years out?

My advice is to spend as much time (or more) understanding your expenses versus your income.
by jebmke
Sat May 07, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Hitting out of pocket max / Does Aetna track out of pocket spend?
Replies: 7
Views: 615

Re: Hitting out of pocket max / Does Aetna track out of pocket spend?

I used to have Aetna. They did track out of pocket and the providers would stop the co-pays when we hit the OOP max (didn't happen often). One one occasion the timing got off and the provider refunded us directly (after the claim got processed) an amount that should not have been charged .
by jebmke
Sat May 07, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Rebuilding a Deck
Replies: 15
Views: 1400

Re: Rebuilding a Deck

We rebuilt our deck with Timbertech. It is very hot when the afternoon sun has been beating down but we live in the mid-Atlantic and don't use the deck when it gets hot anyway. I just wear flip-flops when crossing the deck to get to the pool. Because we are near the water, wood wasn't an option for ...

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