Search found 4669 matches

by jebmke
Wed Sep 28, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 16
Views: 554

Re: Tax filing status if divorce not finalized?

Not an option due to the hostility between us. Plus, I have no idea how she's handled any of her earnings or tax payments this year given that she's not a W-2 employee, so that's a hornets nest I am staying away from. Some things will need to be coordinated. For example, if you file MFS, you both h...
by jebmke
Wed Sep 28, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 16
Views: 554

Re: Tax filing status if divorce not finalized?

Filing MFS is typically the worst of all choices. In my TaxAide work I always try to convince people to try to file jointly and work out a fair split of the liability.
by jebmke
Wed Sep 28, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 4814

Re: Securing work computer and USB drive

I meant using technique to activate bitlocker on USB drive. No other user will access unless they have password One potential issue is whether you could access the encrypted data from a non-W10 system. Maybe that isn't an issue but one advantage of using a third party software is that it is platfor...
by jebmke
Tue Sep 27, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Computer backup options
Replies: 21
Views: 1127

Re: Computer backup options

cloud copies are not a backup solution. they are a "files everywhere" solution. Indeed. Just copying to the cloud is not a proper backup. Years ago I had some kind of malware zero out every Word document on my drive. I had been keeping regular backups and retaining the disks (this was bac...
by jebmke
Tue Sep 27, 2016 3:59 pm
Forum: Investing - Theory, News & General
Topic: If you own Vanguard Total Stock Market, do you re-invest dividends?
Replies: 40
Views: 3726

Re: If you own Vanguard Total Stock Market, do you re-invest dividends?

I am retired so I spend my dividends from Total Stock Market Index (in my taxable account). Dividends do not prove anything about earnings.
by jebmke
Mon Sep 26, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [withholding vs. estimated payments]
Replies: 18
Views: 1130

Re: Taxes

Why don't you just select to have an additional amount withheld on the W-4? That is one way, yes. But should I? In other words, why give the money up front if I have time until xx-xx-201x to do so. My question is whether it is 12-31-201x or 04-15-201y? If you aren't subject to a penalty I'd wait un...
by jebmke
Mon Sep 26, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Relocating from place with no state tax to a place with state tax
Replies: 9
Views: 1161

Re: Relocating from place with no state tax to a place with state tax

I don't know Colorado state laws, but your taxes should be pro-rated to the amount of time that you earned income while a resident of Colorado. They have no jurisdiction to tax you on income earned as a Florida resident. I am not familiar with Colorado but in Maryland, you owe taxes on income earne...
by jebmke
Sun Sep 25, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Expat: Losing job and moving back to US
Replies: 10
Views: 1494

Re: Expat: Losing job and moving back to US

I had a similar experience returning from Europe. I returned in July 2006 expecting to finish my employment in December 2006 [we started the discussions in the fall of 2005 that ended up with the "no job for you" outcome]. Once I got back they asked me to stay on indefinitely to handle som...
by jebmke
Sun Sep 25, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: yahoo class action email suit
Replies: 13
Views: 1162

Re: yahoo class action email suit

you really want damages from a free email account? just wait. a shyster lawyer will start a class action suit, yahoo will settle but admit nothing, members of the suit will get a buck and a half, and the lawyers will split $10 mil. thats how these frivolous class action suits usually play out. It i...
by jebmke
Sun Sep 25, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: yahoo class action email suit
Replies: 13
Views: 1162

Re: yahoo class action email suit

I think some lawyer would have to take this on to get a class certified. What are your damages? I would think at the very least that the failure to disclose the incident for two years would have prevented Yahoo!'s user from mitigating their actual damages, constituting culpable negligence. But IANA...
by jebmke
Sat Sep 24, 2016 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Federal tax implications of CDs or Bond Funds in taxable account
Replies: 3
Views: 373

Re: Federal tax implications of CDs or Bond Funds in taxable account

JW-Retired wrote:A short term need for this money would of course trump the tax perspective.

or if the amount you have in taxable exceeds your target equity allocation.
by jebmke
Sat Sep 24, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account?
Replies: 2
Views: 503

Re: Health Savings Account?

I'd start by reading the WIKI on HSAs https://www.bogleheads.org/wiki/Health_savings_account If you have specific questions after reading this, please come back with them. You do not have to be employed to have an HSA. I am retired and I have one and will contribute to it every year until I am eligi...
by jebmke
Sat Sep 24, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Federal tax implications of CDs or Bond Funds in taxable account
Replies: 3
Views: 373

Re: Federal tax implications of CDs or Bond Funds in taxable account

For Federal tax purposes there should be no difference. The income from both will be treated as ordinary income.

For state tax purposes, Total Bond has some investment in Treasury notes so some of the income would be exempt from state income taxes if you live in a state that has an income tax.
by jebmke
Sat Sep 24, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4604

Re: [500 million Yahoo accounts hacked, what should you do?]

The Yahoo mess has really hosed up my Yahoo mail. I have changed the PW twice now. Thunderbird still authenticates to the POP server with the first change (did not ask to change the second time) but the outgoing (SMTP) is DOA. The Android devices are fat dumb and happy with the first change. They ke...
by jebmke
Sat Sep 24, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 3277

Re: Would you buy this house in a flood zone? HELP!

Personally, I would have a hard time living with myself if a disaster occurred, my house was flooded, and I had the wherewithal to have avoided the situation in the first place. It's a house. It's not a cure for polio or something. You "would have a hard time living with yourself" if your...
by jebmke
Sat Sep 24, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 4814

Re: Securing work computer and USB drive

michaeljc70 wrote: You could use a fully bootable USB stick.

I used to use this method when I traveled for work. However, some IT departments are locking down the BIOS so that the machine cannot be booted from another device unless you have the password to unlock the BIOS.
by jebmke
Sat Sep 24, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 3277

Re: Would you buy this house in a flood zone? HELP!

The flood zones are getting bigger around us. The land is sinking and the water is rising. So the relative water level is increasing at double the actual sea level rise. Some areas near us have disappeared: http://desertedplaces.blogspot.com/2014/03/holland-island-in-chesapeake-bay.html Some are sti...
by jebmke
Sat Sep 24, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: yahoo class action email suit
Replies: 13
Views: 1162

Re: yahoo class action email suit

I think some lawyer would have to take this on to get a class certified.

What are your damages?
by jebmke
Sat Sep 24, 2016 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Question about using spouse's HSA
Replies: 9
Views: 602

Re: Question about using spouse's HSA

Thanks Spirit Rider. The only thing that confuses me is the scenario where spouse A dies and spouse B is the beneficiary of the HSA. It sounds like the HSA is now considered to belong to spouse B. I don't see how the IRS would allow spouse B to make tax free withdrawals to cover historical expenses...
by jebmke
Fri Sep 23, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4604

Re: [500 million Yahoo accounts hacked, what should you do?]

VictoriaF wrote:Today I went to my Yahoo account and changed the password. There were no security questions associated with my account.

Victoria

I deactivated my security questions in the account info (or setup -- whatever they call it). I also changed the backup email and turned on two-step verification.
by jebmke
Fri Sep 23, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Question about using spouse's HSA
Replies: 9
Views: 602

Re: Question about using spouse's HSA

from Pub 969 Death of HSA Holder You should choose a beneficiary when you set up your HSA. What happens to that HSA when you die depends on whom you designate as the beneficiary. Spouse is the designated beneficiary. If your spouse is the designated beneficiary of your HSA, it will be treated as you...
by jebmke
Fri Sep 23, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question about using spouse's HSA
Replies: 9
Views: 602

Re: Question about using spouse's HSA

Yes, you can reimburse your expenses from her HSA and vice-versa.
by jebmke
Fri Sep 23, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7191

Re: Trader Joe's Fans - good value?

Tycoon wrote:The chocolate bars at the checkout counter - three for $1.79. I can't find a deal like that anywhere.

We buy these too. Closest TJs is over an hour away for us so only get there when in the area for other reasons. We also buy their laundry detergent.
by jebmke
Fri Sep 23, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4604

Re: Yahoo says hackers stole info in 500 million user accounts

tomander wrote:Besides Gmail, what other on line email service would you recommend as a replacement for Yahoo mail?

outlook dot com is one. I have addresses at Gmail, Yahoo and Outlook.
by jebmke
Thu Sep 22, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4604

Re: Yahoo says hackers stole info in 500 million user accounts

Sidney wrote:Would love to know if they disclosed this to Verizon when they did their due diligence on the acquisition.

Verizon claims they learned about this two days ago. :annoyed
by jebmke
Thu Sep 22, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4604

Re: Yahoo says hackers stole info in 500 million user accounts

O? Is that site hacker proof? Guaranteed? When they hack that site, they'll have all your data. And I'm sure some group is working on that right now. No thanx. Stand alone encrypted data base. Store it offline. Crack proof and alzheimers proof - as long as someone else has a copy of the key. Memory...
by jebmke
Thu Sep 22, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4604

Re: Yahoo says hackers stole info in 500 million user accounts

littlebird wrote:Because the simplicity of knowing an answer you'll never forget is replaced with the necessity of having a cheat list someplace (on another accident prone site? in your wallet? hidden in an innocuous fine on one computer? ). Phooey.

KeePass
by jebmke
Thu Sep 22, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4604

Re: Yahoo says hackers stole info in 500 million user accounts

I changed my PW on their web mail site. My T-Bird client then demanded a change to authenticate. The T-Bird client hits their POP server. Interestingly, my Android phone, which hits their IMAP server is continuing to authenticate with the old password. Perhaps it takes a while for them to propagate ...
by jebmke
Thu Sep 22, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation on Tax Preparation Software
Replies: 26
Views: 1748

Re: Recommendation on Tax Preparation Software

Anyway, don't overlook H&R Block software, which is as good as any and usually at less cost. I am using HRB this year. In fact, I just made what I hope is my last entry on my 2015 return. Will review it in the next few days and hope to get it filed by the end of the month. So far, I have been h...
by jebmke
Thu Sep 22, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Retirees living off Wellesley Income Fund: how do you manage the nuts and bolts?
Replies: 8
Views: 1662

Re: Retirees living off Wellesley Income Fund: how do you manage the nuts and bolts?

Nisiprius: I do not own Wellesley , but I think my withdrawal method in retirement will work for most portfolios: 1. All contributions, fund distributions (dividends and capital gains), and RMDs go into a money market fund. This provides a single record of all transactions. 2. When I need to replen...
by jebmke
Wed Sep 21, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Help! How get our lost baggage back in Munich
Replies: 9
Views: 797

Re: Help! How get our lost baggage back in Munich

You have to divide the problem into two problems. One, find the luggage. Two, deliver it somewhere. Until Problem #1 is solved, working the second one is a waste. I had luggage lost on a long multi-flight trip through Asia (business trip). The bags didn't show up in Melbourne and I was headed to mul...
by jebmke
Wed Sep 21, 2016 4:05 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 87
Views: 6925

Re: Do Bogleheads Bucket?

OP- I don't remember hearing about a lot of retirees rebalancing into stocks during the 2008-09 time period. Maybe especially intrepid ones were, but I'd bet the majority were taking their withdrawals from cash/bonds if possible, and trying to hold tight awaiting the recovery. Most retirees who jus...
by jebmke
Wed Sep 21, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Federal fund rate and retirees
Replies: 7
Views: 661

Re: Federal fund rate and retirees

And then there are those of us who must take the RMD set by a predetermined formula which is 4% or more. This forces many to take undesired risk to try for a decent ROI. RMD is not the same as "withdrawal" in the context of retirement. RMD is more of a dissolution of a partnership between...
by jebmke
Wed Sep 21, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Spare Tire Replacement
Replies: 17
Views: 1076

Re: Spare Tire Replacement

Normally when I get an oil change they check the tire inflation. I always remind them to check the spare too. My tires have inflation sensors so if the pressure drops too low, an indicator light will come on. But it can drop a fair amount without the light so I just have them check it and top off th...
by jebmke
Tue Sep 20, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Should fixed income percentage stay the same in current environment?
Replies: 25
Views: 2033

Re: Should fixed income percentage stay the same in current environment?

bumbleb wrote:talk about bond being not as safe/good of an investment as before,

You're in luck. There is also talk about equity not being as good of an investment as before so relatively speaking, there may be no reason to make any changes.
by jebmke
Tue Sep 20, 2016 8:14 am
Forum: Personal Consumer Issues
Topic: fax to and from email
Replies: 13
Views: 890

Re: fax to and from email

Most medical providers won't accept emails as far as I can tell (just judging from the ones we use). Many of them are now creating or participating in secure portals that allow you to upload or download documents (e.g. medical history forms).
by jebmke
Tue Sep 20, 2016 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation on Tax Preparation Software
Replies: 26
Views: 1748

Re: Recommendation on Tax Preparation Software

At various times I have used TaxAct, HRBlock, Turbotax and Taxwise (this is professional software). For the most part, they are all the same. The UI and interview sequence varies a bit but in the end, they all have to connect the forms the same way or they aren't working properly.
by jebmke
Tue Sep 13, 2016 11:52 pm
Forum: Personal Consumer Issues
Topic: Home Computer-Kids vs Data
Replies: 21
Views: 1249

Re: Home Computer-Kids vs Data

I do not have kids in the house but there are two steps I take to maintain data security (besides making sure that the data is properly backed up). First, my Windows user has a reasonably strong password and I lock the user when I am not at the computer. Second, all of my data is in an encrypted vau...
by jebmke
Tue Sep 13, 2016 4:06 pm
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 41
Views: 2712

Re: Basic pool equipment - best brands/types

Our Polaris has a hose that snaps into a fitting on the side of the pool below the waterline. A separate pump runs water through the hose to the actual unit to drive the unit around the pool. As to the brushes, one thing that we found extends the life of the brush is to store it in a way that the br...
by jebmke
Tue Sep 13, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 41
Views: 2712

Re: Basic pool equipment - best brands/types

We have a Polaris robotic cleaner. It is a replacement for a unit that was here when we bought the house. The prices you get from "pool stores" are quite high. I think we saved 30-40% by ordering on Amazon. We installed it ourself. Not that difficult, just have to measure correctly and fol...
by jebmke
Mon Sep 12, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: projected returns
Replies: 11
Views: 929

Re: projected returns

I am retired but I don't really assume any returns other than for tax purposes. For fixed income, I use zero real because my IRAs are all bonds and it makes it easy to estimate my RMD. As for the rest, I assume that taxable dividends will remain the same in constant dollars. That makes it fairly eas...
by jebmke
Mon Sep 12, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: How do you block numbers on land line?
Replies: 9
Views: 974

Re: How do you block numbers on land line?

We have a Panasonic cordless system that allows us to block numbers.
by jebmke
Mon Sep 12, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 4814

Re: Securing work computer and USB drive

When I was traveling extensively for work (e.g. more than a couple of weeks) I carried with me a bootable USB drive with Linux installed. At the time, I was using Truecrypt for encryption and the drive also had an encrypted Truecrypt vault that held my files. Veracrypt also runs under Linux. If I we...
by jebmke
Sun Sep 11, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 4814

Re: Securing work computer and USB drive

if your system allows you to install encryption software you might look at something like Veracrypt and put all your data in an encrypted vault.
by jebmke
Sun Sep 11, 2016 2:23 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3839

Re: map frustration

Yes, I know. My point was that quite a few people don't own smartphones (I do) because they don't serve a purpose for them . I live in a rural area where there are large swaths of some counties that have limited voice and no data coverage - for the residents in those areas, a smartphone doesn't make...
by jebmke
Sun Sep 11, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3839

Re: map frustration

I've found Google maps' traffic information to be highly accurate. Using it to avoid traffic jams can save a lot of time. Assuming one actually can avoid traffic jams. In the congested parts of California, like LA or the Bay Area, Google Maps is likely to say something like "30 minute delay ah...
by jebmke
Sun Sep 11, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3839

Re: map frustration

Another thing I've found useful.... I bought a cheap smartphone solely for the camera. I discovered that it had a map program on it. My preference was not to use the phone to go online, but on a one-time basis , I felt it worthwhile to download the entire map sets for the states I usually drive in ...
by jebmke
Sat Sep 10, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3839

Re: map frustration

I'm old enough to remember when the early map directions on Google would give me directions from home to Amsterdam that had driving directions all the way to Kennedy Airport and then instructions to take a plane to Amsterdam. For some reason they don't do that anymore.
by jebmke
Sat Sep 10, 2016 8:21 am
Forum: Investing - Theory, News & General
Topic: When is Ex-Dividend Date (VTI/VXUS)?
Replies: 11
Views: 1055

Re: When is Ex-Dividend Date (VTI/VXUS)?

That might be for the fund but definitely not for the ETF. The ex-div date could be as early as Monday but that's doubtful. The website lists the reinvest date as 9/13; that's just plain wrong and makes no sense. Vanguard has a real problem with getting basic info correct. I have found that they so...

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