Search found 4508 matches

by jebmke
Sun Jul 24, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade: use media creation tool or automatic?
Replies: 5
Views: 209

Re: Windows 10 upgrade: use media creation tool or automatic?

Thanks jebmke. Then I guess I really don't need the USB drive. I just downloaded it (from my Win7 PC) and as you mentioned, it's small. Approx 18 MB. And it's saved to my "downloads" folder. When you do the upgrade using the MCT, does it still do the same check for compatibility that the ...
by jebmke
Sun Jul 24, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade: use media creation tool or automatic?
Replies: 5
Views: 209

Re: Windows 10 upgrade: use media creation tool or automatic?

The media creation tool itself is quite small. It is an executable that downloads the Windows 10 media and creates a bootable DVD or USB drive. I have used MCT because it allowed me to create a USB drive that I could use on multiple machines. I don't know whether it is any faster than doing the upgr...
by jebmke
Sat Jul 23, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 136
Views: 7715

Re: Early retirees, how much did you leave on the table?

HomerJ wrote:Diminishing returns... Zero boat to one boat. Big return. One boat to a slightly bigger boat.... Small return.

conventional wisdom is going from one to zero is the highest return. :P
by jebmke
Sat Jul 23, 2016 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Retirement Investing
Replies: 11
Views: 774

Re: Starting Retirement

Since he is just starting out, I'd suggest skipping the International for now and keep the US stock investments as simple as possible with low cost. A suggestion that you edit the title to be "Starting Retirement Investing." When I saw the title I thought he had just retired and the questi...
by jebmke
Sat Jul 23, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: Very strange discovery on Google [use tracking/privacy]
Replies: 23
Views: 3433

Re: Very strange discovery on Google

Is this an issue only if you have a Gmail account? Good question. I think so. I use the following techniqe: My Chrome browser is signed into my Google account where I can see my email, calendar and Google Drive. I do nothing else in that browser. All my searches and web use (news, etc) are done wit...
by jebmke
Fri Jul 22, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2384

Re: Should one upgrade to Windows 10? Free thru July 29?

I have upgraded six machines and only one minor setback. Had to reinstall a Canon printer. Reinstall went flawlessly using latest software from Canon (8 year old printer).
by jebmke
Fri Jul 22, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Check Fraud
Replies: 22
Views: 2140

Re: Check Fraud

Another reason why it is insane that we still use checks in this country. I processed hundreds of thousands of payments per year in Europe while I was there and the only payment transaction fraud we experienced involved countries that still use checks.
by jebmke
Fri Jul 22, 2016 7:25 am
Forum: Investing - Theory, News & General
Topic: Forecasting Health Insurance
Replies: 12
Views: 1002

Re: Forecasting Health Insurance

I didn't and I don't. Personally, I think it is a waste of time to try to do highly precise forecasting of income and expenses. One of the biggest potential expenses, taxes, depends heavily on a complicated calculation of income, distributions from tax deferred accounts and the whims of legislation.
by jebmke
Thu Jul 21, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 51
Views: 6070

Re: What really happens to people who run out of their money in retirement

Some of them move in with their children or siblings. Many of my TaxAide clients had little money to begin with and are living off of social security, modest pensions (in some cases), and part-time jobs.
by jebmke
Thu Jul 21, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Tax Strategy
Replies: 10
Views: 1226

Re: Tax Strategy

Yes, it is taxed income. And dividend income combined with ROTH conversions can produce some weird results like a marginal tax rate of 30% -- which isn't even a tax bracket.
by jebmke
Wed Jul 20, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: What type of new driveway should I get?
Replies: 18
Views: 1900

Re: What type of new driveway should I get?

Macadam means different things depending on the part of the country. Where I am, macadam is tar and chip. The spray tar down, spread stone chips and roll it. It sort of looks like a fine gravel surface but is more solid. Many of the stone chips remain loose though so it has a less formal look than a...
by jebmke
Tue Jul 19, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: [How should I simplify my international holdings?]
Replies: 6
Views: 611

Re: Run something up the flag pole

Was all the loss consumed last year or has some carried over?
by jebmke
Tue Jul 19, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Microsoft's latest "force Win10" tactic?
Replies: 22
Views: 2410

Re: Microsoft's latest "force Win10" tactic?

I believe Step 2 embeds a W10 key in a partition on your hard drive so the Step 3 becomes an activated clean install. I have heard, but not tried, that you can do a clean install from the get-go and use the W7 key to activate W10. Step 1 - taking an as-built image of W7 is a very good practice - not...
by jebmke
Tue Jul 19, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Traveling to DC
Replies: 32
Views: 1637

Re: Traveling to DC

RadAudit wrote:
westie wrote:It's going to be dreadfully hot and humid later in the week.


But, at the end of the day, you'll begin to understand why Congress goes on a six week vacation at this time of the year.

True, although every other year they are off doing job interviews.
by jebmke
Tue Jul 19, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Microsoft's latest "force Win10" tactic?
Replies: 22
Views: 2410

Re: Microsoft's latest "force Win10" tactic?

im trying to upgrade to windows 10 from windows 7 and and nothing happens. it keeps going in circles. second day with this dance. go to MS site and download the Media Creation Tool; create a DVD or USB drive and run the Setup from that. Much faster than trying to do it internally to Win. I have upg...
by jebmke
Tue Jul 19, 2016 7:51 am
Forum: Personal Consumer Issues
Topic: Traveling to DC
Replies: 32
Views: 1637

Re: Traveling to DC

rjbraun wrote:Not a good day today on the metro. WaPo reports all six lines experienced problems that caused delays during the evening rush hour.

https://www.washingtonpost.com/news/dr- ... tro-lines/

Evergreen post
by jebmke
Mon Jul 18, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Traveling to DC
Replies: 32
Views: 1637

Re: Traveling to DC

Prepare for heat -- and I don't mean dry heat. 97 on Friday and 100 on Saturday.
by jebmke
Sat Jul 16, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Liquidating Non-deductible IRA contribution - form 8606
Replies: 27
Views: 836

Re: Liquidating Non-deductible IRA contribution - form 8606

If your IRA has a mix of non-deductible and deductible funds, any distribution would normally be prorated between the two.
by jebmke
Sat Jul 16, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: How do you find a tenant for rental house?
Replies: 37
Views: 1970

Re: How do you find a tenant for rental house?

I've had good luck with Zillow and a sign in the window/ yard. While it may seem attractive to delegate (at a cost) to a realtor, screening tenants to find one you're willing to trust with your really expensive real-estate is too important in my opinion to trust to someone else. Even worse, most &q...
by jebmke
Sat Jul 16, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: VTMFX - Vang. tax-managed balanced fund - how reported on 1099-div?
Replies: 6
Views: 365

Re: VTMFX - Vang. tax-managed balanced fund - how reported on 1099-div?

I often find it handy to look at the IRS instructions for the payer to see how the payer is required to report. Here is the instructions for 1099-DIV. https://www.irs.gov/pub/irs-pdf/i1099div.pdf If you do a search on "Instructions for xxx" where xxx is almost any tax form, you will be abl...
by jebmke
Sat Jul 16, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 2402

Re: When traveling what do you use to bank online safely

sport wrote:I do not do any "banking" when I travel. I wait until I get home. Nothing at my bank is that urgent.

Same here but it has been a while since I traveled more than 2-3 weeks. If I were planning a long trip I'd have to look into a solution.
by jebmke
Sat Jul 16, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Another Scam Warning
Replies: 5
Views: 866

Re: Another Scam Warning

We simply don't answer the phone unless it is someone we know. And even then ....
by jebmke
Sat Jul 16, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: How do you find a tenant for rental house?
Replies: 37
Views: 1970

Re: How do you find a tenant for rental house?

Non7WoodUser wrote:We sold ours - too many headaches to deal with.

We also have sold ours (close in Oct). Good riddance.
by jebmke
Sat Jul 16, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: How do you find a tenant for rental house?
Replies: 37
Views: 1970

Re: How do you find a tenant for rental house?

Unless you want to do all the advertising, screening, background checks, credit checks etc yourself I'd suggest listing it with a realtor who handles rentals. That is what we did.
by jebmke
Sat Jul 16, 2016 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Moving More Money into Cash as Retirement Gets Closer
Replies: 18
Views: 1858

Re: Moving More Money into Cash as Retirement Gets Closer

When I retired I eliminated all of our cash reserves. Our entire portfolio is liquid so if I need cash, I can sell something and have the cash within 2-3 days. The return on bonds has far outstripped what a cash reserve would have returned had I remained in cash.
by jebmke
Thu Jul 14, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Recourse for a failed dental crown at 3 years
Replies: 22
Views: 1808

Re: Recourse for a failed dental crown at 3 years

In the good old times, I got a gold crown in 1966 on a molar and needed a replacement around 2005. Nowadays with all that much stronger metal, some people I heard say that crowns could only last 2 years, don't understand that. I had a gold crown done in 1975 at a dental school (by faculty, student ...
by jebmke
Thu Jul 14, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 64
Views: 3661

Re: Passwords

If you are using different passphrases for each site, then how do you remember them all unless you are a savant or are they not really random? Or do you keep them written down on paper where they could be stolen. Please tell me you don't keep them in Excel! Everyone knows that the best place to kee...
by jebmke
Thu Jul 14, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 64
Views: 5035

Re: Cutting Cable Cord Only to Strengthen Internet Cord

http://mobile.nytimes.com/2016/07/14/technology/personaltech/the-downside-to-cord-cutting.html?emc=edit_th_20160714&nl=todaysheadlines&nlid=4550969&referer= NY Times article on the topic today. I read this in the morning paper online today. The author lost me completely when he finally ...
by jebmke
Wed Jul 13, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Sound bite.
Replies: 13
Views: 800

Re: Sound bite.

No, don't agree.
by jebmke
Tue Jul 12, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: HSA rollovers / married
Replies: 3
Views: 260

Re: HSA rollovers / married

There is no such thing as a family HSA. HSA accounts are titled to individuals. Note however that your individual HSA can be used to reimburse expenses of your spouse and vice versa.
by jebmke
Tue Jul 12, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 41
Views: 3381

Re: Cell phone data plans

A lot may depend on where you spend your time with it. I am a fairly heavy data user but I am often in a location with free WIFI. As a result I only use .2-.3 gb of the data plan during a typical month.
by jebmke
Mon Jul 11, 2016 7:55 am
Forum: Investing - Theory, News & General
Topic: Maintaining 3-10 yrs expenses in fixed income in retirement rather than set %
Replies: 107
Views: 7421

Re: Maintaining 3-10 yrs expenses in fixed income rather than set %

Percentage or fixed amounts are easier to administer for many. I don't know what my expenses will be over the next 10 years so holding that much in bonds would be more difficult to administer.
by jebmke
Sun Jul 10, 2016 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Q on merging retirement accounts
Replies: 12
Views: 1087

Re: Q on merging retirement accounts

Are there any reasons not to do this? Any "gotchas" I'm not considering? In most states there probably aren't any issues. In mine, Maryland, there is an exemption for some retirement income from state income tax. Distributions from qualified retirement accounts like 401(k)s can be eligibl...
by jebmke
Sat Jul 09, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1705
Views: 397995

Re: What Book Are You Currently Reading? Part VI

finished Devil in the White City

now on The One on the Other - fourth in the Bernie Gunther Series by Phillip Kerr
by jebmke
Sat Jul 09, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: Brexit - minor blip
Replies: 27
Views: 1974

Re: Brexit - minor blip

Too early to tell.
by jebmke
Sat Jul 09, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: How to give money to people and get a tax deduction?
Replies: 12
Views: 1242

Re: How to give money to people and get a tax deduction?

I don't know what the minimum amount of money is recommended to establish a foundation and make it cost sensible. Does anyone know? I don't know this specifically. I have had some interaction with a community foundation. Our local one is quite large, fairly efficient as far as I can tell yet it has...
by jebmke
Sat Jul 09, 2016 7:36 am
Forum: Investing - Theory, News & General
Topic: Easy question on bond allocation at retirement..
Replies: 12
Views: 1115

Re: Easy question on bond allocation at retirement..

Have been roughly at 40/60 equity/bonds since retiring 8.5 years ago. No withdrawal rate - we use the Taylor method -- withdraw what we need monthly to pay the bills. Right now 100% of our expenses are covered by withdrawals.
by jebmke
Fri Jul 08, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4386

Re: Can we start another forum section?

I don't see how a new forum section is going to stop anyone from posting. I don't even look at which forum a thread originates. I do tend to ignore reading threads that have vague subject lines.
by jebmke
Fri Jul 08, 2016 8:31 am
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2694

Re: Mice in my grill

My suggestion would be to use traps (non poisonous) around the area. Wash the grill out and then run it on high to kill any bacteria ect. Should fix the problem for good depending on how many mice are in the area :shock: I agree. Poison ends up in the food chain (snakes, raptors). I use good old fa...
by jebmke
Thu Jul 07, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Stolen
Replies: 56
Views: 6737

Re: Safe Stolen

I was talking about safes with the guy in our local locksmith shop which sells safes. He said that burglaries are much more common than fires, and the consequences worse, so he doesn't sell any fireproof safes. I don't think there really is a fireproof safe. There are fire resistant safes but in a ...
by jebmke
Wed Jul 06, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - Can you withdraw from the HSA an amount equal to my past medical expenses?
Replies: 36
Views: 2868

Re: HSA - Can you withdraw from the HSA an amount equal to my past medical expenses?

I've been saving HSA receipts for the last five years (haven't drawn down the HSA at all), and it didn't occur to me that the print might fade. This and the prospect of having to deal with this in my feebleness - or worse, leaving my spouse with a pile of receipts to deal with - led me to move to a...
by jebmke
Wed Jul 06, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 8560

Re: Arrgghhh !!! Windows 10 installed overnight

Aside from avoidance, can anyone point me to some good articles or strategies on how to best prepare for implementing the W10 upgrade willingly? I don't have anything fancy from a software standpoint beside a low-cost full version of MS Office 2013 that I'd hate to "lose" in the process. ...
by jebmke
Tue Jul 05, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - Can you withdraw from the HSA an amount equal to my past medical expenses?
Replies: 36
Views: 2868

Re: HSA - Can you withdraw from the HSA an amount equal to my past medical expenses?

Thanks for sharing, I'll use some of your ideas. Even simpler, download the claims listing from your insurance company and add a column for mileage - need to add rows for uninsured stuff like dentists. I don't claim mileage for pharmacy because I normally pick this up when I am going somewhere near...
by jebmke
Mon Jul 04, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: How to negotiate result of big item home inspection
Replies: 54
Views: 3135

Re: How to negotiate result of big item home inspection

This is tricky. Did the seller disclose (or were you able to discern) that the system was quite old? My rule of thumb is that if it is something I can discover in a walk through (not inspection), the burden is on me to factor that into my bid. I don't think it is realistic for you to expect a new sy...
by jebmke
Mon Jul 04, 2016 3:48 pm
Forum: Investing - Theory, News & General
Topic: Deutsche Bank troubles
Replies: 10
Views: 1208

Re: Deutsche Bank troubles

Probably no way to know. Especially without detail visibility on their assets and liabilities. Also, and I am working from very old memory here, I recall that German banks have a different equity structure than what we are used to thinking about. At one point, I seem to recall that the government ho...
by jebmke
Mon Jul 04, 2016 3:41 pm
Forum: Investing - Theory, News & General
Topic: Deutsche Bank troubles
Replies: 10
Views: 1208

Re: Deutsche Bank troubles

Looks to me like holding DB stock was a loser. Demonstrates how concentration in one stock can be deadly.
by jebmke
Mon Jul 04, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Why is everyone everywhere saying to buy gold?
Replies: 61
Views: 4758

Re: Why is everyone everywhere saying to buy gold?

Fixed

reriodan wrote:Because, they (1) stand to make money by you buying gold or and (2) stand to make money through the ratings achieved with sensationalistic talk.
by jebmke
Mon Jul 04, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Why is everyone everywhere saying to buy gold?
Replies: 61
Views: 4758

Re: Why is everyone everywhere saying to buy gold?

One prominent cable news channel is selling Gold IRAs as a safe place to put your IRA.

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