Search found 7690 matches

by jebmke
Sat May 26, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Just wanted to clarify how taxation works on LTCG rate and Roth conversion
Replies: 2
Views: 146

Re: Just wanted to clarify how taxation works on LTCG rate and Roth conversion

This looks correct to me. You have discovered the stack that creates a hidden marginal rate that isn't even on the charts. It used to be the hidden "30% rate" but now it is 27%. It is often overlooked when doing ROTH conversions and creates an unwelcome surprise. This demonstrates why you should not...
by jebmke
Fri May 25, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Home Telephone network
Replies: 6
Views: 444

Re: Home Telephone network

Have you considered cordless? You only need one base station connected to a jack.
by jebmke
Fri May 25, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 46
Views: 3719

Re: Alexa Echo sent family's audio file to a contact

ResearchMed wrote:
Fri May 25, 2018 10:33 am
NOW you tell us that we could have been getting photos of the contents of our fridge - LIVE contents no less!

We barely survived without this...
At least we can finally answer the age-old question: "Who took the last beer?"
by jebmke
Fri May 25, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 46
Views: 3719

Re: Alexa Echo sent family's audio file to a contact

Rupert wrote:
Fri May 25, 2018 10:26 am
And isn't it somewhat worrisome that these devices, designed to be at our beck and call, always seem to have female voices?
If HAL had treated Dave with a little more respect, there might be male voices as well.
by jebmke
Fri May 25, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 46
Views: 3719

Re: Alexa Echo sent family's audio file to a contact

I know they are wildly popular, but I for one will never purchase one of these devices. I just don't find myself having the problems these things are promoted to solve. 100% in agreement here. Seems like most of these smart devices are created to solve problems that really don't need solving in the...
by jebmke
Thu May 24, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 46
Views: 3719

Re: Alexa Echo sent family's audio file to a contact

I know they are wildly popular, but I for one will never purchase one of these devices. I just don't find myself having the problems these things are promoted to solve. As far as the privacy breach, a smartphone has the same vulnerability to erroneous or malicious compromise. That's why I never use...
by jebmke
Thu May 24, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 52
Views: 3595

Re: I've never budgeted sucessfully

lthenderson wrote:
Thu May 24, 2018 8:26 am
Do what I have done for years... budget your savings.
This is what we did. Spending was the residual. Sometimes we underspent and added a bit more to savings but the savings were sacrosanct.
by jebmke
Thu May 24, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 10
Views: 730

Re: Quicken Alternatives

I currently keep track of my basis for taxable assets using Quicken 2012. On my list of things to do is to port this to a spreadsheet. It isn't complicated math - the task just doesn't seem to rise to the top of my list. My Quicken software still works fine so there is no rush. I use Form 8606 to tr...
by jebmke
Thu May 24, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Saving and storing old statements
Replies: 9
Views: 858

Re: Saving and storing old statements

I keep them in PDF format. They take no space at all.
by jebmke
Wed May 23, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9779

Re: how do you tip on wine at a restaurant

Go to a really nice restaurant, tell the waiver what you think you'll want as an entree, and ask for a recommendation for an appetizer and bottle of wine to complement it correctly. He or she will be very familiar with the dishes and will be able to tailor the meal to your preferences. This sounds ...
by jebmke
Wed May 23, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 million inheritance?
Replies: 28
Views: 3309

Re: How to invest $1.4 million inheritance?

NotWhoYouThink wrote:
Wed May 23, 2018 4:40 pm
I would invest it all now per my preferred asset allocation.
I would do this too. Note that the preferred asset allocation may not be the same as the current asset allocation.
by jebmke
Wed May 23, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2249

Re: Quicken - Do you use it?

I use Quicken 2012 but only to track the cost basis for all my taxable assets.
by jebmke
Wed May 23, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Winter Home - issues/costs?
Replies: 33
Views: 2011

Re: Winter Home - issues/costs?

Even if you believe the long term best approach is to buy a second home I would strongly suggest renting one for a couple of years to give it a live test.

Personally, I would not own two homes. In fact, if I had the choice, I wouldn't own one home.
by jebmke
Tue May 22, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 4627

Re: How do you stop moving the goal posts.

At some point the numbers inevitably turn down. Markets don't rise forever. I retired in December 2007. I'd guess that 15 months later we were probably 40% in the hole.
by jebmke
Tue May 22, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 4627

Re: How do you stop moving the goal posts.

I have to confess that we never set any specific financial goals. We did adopt some specific strategies and tactics and simply "hoped for the best." For many years we only had visibility of the results only once per year so it was easy to ignore.
by jebmke
Tue May 22, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Mold detected at house inspection
Replies: 2
Views: 311

Re: Possible Mold detected at house inspection

I think one key piece of info is how much it will cost to mitigate and correct the root cause.
by jebmke
Tue May 22, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compension tax treatment question
Replies: 21
Views: 1163

Re: Deferred Compension tax treatment question

Normally deferred comp is not treated as compensation for the purposes of IRAs etc. It would amount to a possible double dip in that regard.

If this is an NQ plan, it will probably be reported on a W2. This will end up on Line 7 of the 1040.
by jebmke
Mon May 21, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9891

Re: done with Gmail

I could remember 3 but I probably have 25-30 mission critical/sensitive personal sites plus about a dozen related to volunteer work I do.

No way I could remember that many.
by jebmke
Mon May 21, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9891

Re: done with Gmail

lotusflower wrote:
Mon May 21, 2018 3:53 pm
I have about 200 passwords to keep track of. Do you use the same PW for every site?
I sure hope not; that is like leaving a sign on all your locked doors explaining that the back door is unlocked.
by jebmke
Mon May 21, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9891

Re: done with Gmail

I create a pass phrase for my Gmail account that I remember in my head, like "I like to post on Bogleheads" becomes "iltpob" and then I usually add some combination of numbers or special characters that has some significance to me and only I know, and that is my password. The result is a password t...
by jebmke
Mon May 21, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1371

Re: Medicare and Cataract surgery - one or two charges?

HueyLD wrote:
Mon May 21, 2018 3:05 pm
Did anyone go with premium lenses and paid an additional $2,000 - $3,000 per eye? Note that the additional cost is not covered by insurance.
I went with toric lenses because of acute astigmatism in both eyes. They were expensive.
by jebmke
Mon May 21, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1371

Re: Medicare and Cataract surgery - one or two charges?

alwi228 wrote:
Mon May 21, 2018 2:54 pm
like clockwork you'll some develop "secondary cataracts"
by jebmke
Mon May 21, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1371

Re: Medicare and Cataract surgery - one or two charges?

Thanks to all - since this is a likely "sure thing" for me - in a few years - the more educated I become - the better the financial impact may be. With two surgeries, I suppose you would not want them to be in different years - deductibles (if applicable) and max out of pocket. Mine were done two w...
by jebmke
Mon May 21, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9891

Re: done with Gmail

I am looking for a service that would be more responsive if there is a problems... I've found that to be my internet service provider. They always provide email of some sort, and, since you're paying for their service, they answer the phone and have an incentive to help you in case of problems. Doe...
by jebmke
Sun May 20, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a phrase for that?
Replies: 14
Views: 1113

Re: Is there a phrase for that?

Not quite sure what you mean. It sounds like you are asking about the situation where the portfolio value is sufficient to get you to FI at some point based on a reasonable future growth thereby not requiring additional savings. I'd call that a glider.
by jebmke
Sat May 19, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2533

Re: Having trouble figuring out expected expenses in retirement

Normally I would expect a properly installed and properly used septic system to last much longer than 10 years. As I said, it was under-designed. It was designed as if it were in "sandy loam" but the soil was actually "massive clay" (official designation). It required the complete replacement of a ...
by jebmke
Sat May 19, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2533

Re: Having trouble figuring out expected expenses in retirement

Even if the mortgage is paid off, you still need to pay property tax and maintain the house. The housing expense will not be zero. I am retired with mortgage paid off. Fairly recent non-recurring home maintenance expenses: $25K Septic system replacement $13K HVAC replacement $9K Exterior (paint, do...
by jebmke
Fri May 18, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 3011

Re: Unique Phone Apps that you find yourself using most often?

I used to use Waze and finally concluded that it didn't add much value in my situation. In a lot of areas I travel there really aren't any alternatives if there is an accident or construction slow down so knowing about it doesn't produce any actionable information. I like the clean look and large ty...
by jebmke
Fri May 18, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3123

Re: more rotten service from Vanguard [ACH transfer, fund availability]

I can write a check from my Vanguard Prime MM fund, deposit it to my bank checking account, and the funds are available the next day. Makes me glad that I decided to not use ACH anymore. I have been getting ACH transfers in 24 hours or less between VG and bank; and between bank and savings bank. I ...
by jebmke
Fri May 18, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2066

Re: Mitsubishi wall air conditioner

No experience with a install or long term reliablity, but we spent a month in Australia recently and these units are everywhere. We stayed at relatives homes and found the units to work quite well in the summer heat. It took me awhile to get used to its operation but once I did I found it to work o...
by jebmke
Thu May 17, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1276

Re: Employ a daughter who in turn volunteers?

I agree with Gill. In addition, the leakage due to SE tax makes the value of this questionable IMO. If you want to start her off investing, just give her some funds to put in a taxable account.
by jebmke
Thu May 17, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 3011

Re: Unique Phone Apps that you find yourself using most often?

...I would never use mobile devices for financial sites. Partly because I don't trust the security of these devices and partly because I don't need to - now that I don't travel for work it would be unlikely that I am away from home for more than two weeks so there really isn't a reason not to wait ...
by jebmke
Thu May 17, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9779

Re: how do you tip on wine at a restaurant

bgf wrote:
Thu May 17, 2018 12:44 pm
LOL, designated to enable Uber or Lyft.
There is no such service in my area. If you can't drive you are SOL.
by jebmke
Thu May 17, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9779

Re: how do you tip on wine at a restaurant

TxAg wrote:
Thu May 17, 2018 12:39 pm
Nobody is in the back cooking wine, though.
Someone is maintaining inventory, ordering, making sure that old bottles are taken off the list. I don't know how tips are shared with sommeliers at restaurants that have them.
by jebmke
Thu May 17, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 3011

Re: Unique Phone Apps that you find yourself using most often?

I really like an app called Here We Go. I can download a detailed street map of any country, city, state or whatever to my phone or tablet and use them offline. Lost in Dublin, Odessa, Seattle, Moscow, Anchorage or where ever..... just open the app and enter the city detail you want, and find from ...
by jebmke
Wed May 16, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2198

Re: Why this problem never gets fixed

Become CEO of a major hospital corporation.
by jebmke
Tue May 15, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Killing mold and mildew outdoors
Replies: 8
Views: 695

Re: Killing mold and mildew outdoors

^ what does this stuff do to plants (bushes, grass). I have an issue with black algae on my roof. But the runoff will end up on plants and/or lawn.
by jebmke
Tue May 15, 2018 3:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2649

Re: How did you fall in love with investing?

wander wrote:
Tue May 15, 2018 5:58 am
I consider investing is part of life, not too much about love.
Same here. I try not to spend much time on it.
by jebmke
Mon May 14, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know your marginal tax rate?
Replies: 27
Views: 2902

Re: Do you know your marginal tax rate?

Depending on the situation, the bracket rates are not the marginal rate. Thus, for example, the existence of the infamous 30% federal marginal rate - which doesn't even appear in the tax tables. I calculate my marginal tax rate heuristically using tax software. The only way to do it IMO.
by jebmke
Mon May 14, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2220

Re: Online/cloud backup or file storage?

Backup (cloud or not) should be robust and have at least a couple of features in my opinion. One, there needs to be versioning to prevent destruction/deletion of a good copy. Simple mirrors will mirror your mistakes as well as other problems (file corruption, malware etc). Two, you need a clean proc...
by jebmke
Mon May 14, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 4631

Re: keyless ignitions and carbon monoxide

I have carbon monoxide alarms in the sections of the house immediately adjacent to the garage. This is the only area where CO is an issue because we have electric heat (heat pump). Portable generators can be a risk as well because they are often mistakenly placed near a structure to feed the electri...
by jebmke
Sun May 13, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2220

Re: Online/cloud backup or file storage?

I am confused by how many people are encrypting ALL of their files. I use google drive for pretty much everything. I pay for extra google cloud storage because 99.9% of what I store on the cloud are pictures and home videos. Do people really care if those get hacked? I care more if I lose them, whi...
by jebmke
Sat May 12, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating 25X Expenses
Replies: 19
Views: 2798

Re: Calculating 25X Expenses

^ Not to mention the chance that Joe may not conveniently die at age 85 -- unless he wants to pull a Jack Kevorkian departure.
by jebmke
Sat May 12, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating 25X Expenses
Replies: 19
Views: 2798

Re: Calculating 25X Expenses

BTW, given that Joe is married, that needs to be considered in his planning. One spouse is likely to die before the other, which means a known decrease in Social Security and a likely decrease in expenses. I do taxes for seniors; I get a lot of widows/widowers who come in the year after their spous...
by jebmke
Sat May 12, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Muni bondholders vs. pensions
Replies: 50
Views: 2957

Re: Muni bondholders vs. pensions

I give up ... this one has a lot of Illinois bonds also. It's current yield, and past performance are way worse than Vanguard's fund. First, you aren't going to get a lower risk fund with the same yield. You have to decide which is more important. Second, you might want to look at the Illinois bond...
by jebmke
Sat May 12, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2220

Re: Online/cloud backup or file storage?

I hated Boxcryptor, which I wasted the morning on before uninstalling and subsequently downloading VeraCrypt. I was able to get Boxcryptor to work fine but decided not to use it. I keep everything in a Veracrypt vault but at 50gb it is too big to move to online storage. I don't put anything in my G...
by jebmke
Sat May 12, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Federal Capital Gains Tax on Company Sale By Taking a Zero Salary
Replies: 18
Views: 1775

Re: Avoiding Federal Capital Gains Tax on Company Sale By Taking a Zero Salary

The brackets for Long Term Capital gains include the capital gain income.
by jebmke
Sat May 12, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2220

Re: Online/cloud backup or file storage?

The above represents a sea change in thinking for me with respect to data security, and I'm still working on creating a methodology for minimizing slow upload speeds to GD. I'm thinking of creating one separate VC container for those critical docs I revise most frequently (e.g., financial), and the...
by jebmke
Sat May 12, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Getting Bombarded With Medicare Mailings!
Replies: 16
Views: 887

Re: Getting Bombarded With Medicare Mailings!

This is nothing. Wait until you are 64.5 and the phone starts ringing. We were getting 30-40 calls a day.
by jebmke
Sat May 12, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Year end tax forms for Investment accounts
Replies: 4
Views: 356

Re: Year end tax forms for Investment accounts

pshonore wrote:
Fri May 11, 2018 9:55 pm
TD Ameritrade and Fido both produce a Consolidated 1099. Within it there can be a 1099B, a 1099DIV, a 1099MISC, a 1099INT, etc depending on your investment activity
Vanguard issues a consolidated statement as well. Normally in late February.