Search found 6620 matches

by jebmke
Tue Oct 17, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Advanced protection for Google accounts (Gmail and Drive)
Replies: 8
Views: 661

Re: Advanced protection for Google accounts (Gmail and Drive)

I only store sensitive info on a Google Drive if it is previously encrypted. Like a password protected pdf or word document etc? I use KeePass for passwords - the database is stored on my Google Drive. For the bulk of encrypted files I use Boxcryptor. For a few, I store them in a Veracrypt containe...
by jebmke
Tue Oct 17, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Advanced protection for Google accounts (Gmail and Drive)
Replies: 8
Views: 661

Re: Advanced protection for Google accounts (Gmail and Drive)

I only store sensitive info on a Google Drive if it is previously encrypted.
by jebmke
Tue Oct 17, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: How did you rise into the Executive Ranks?
Replies: 13
Views: 2232

Re: How did you rise into the Executive Ranks?

- ask for it; no-one knows you want to do it unless you ask for it; otherwise folks assume you like where you are even though you are a high performer - be willing to go sideways to ultimately move up; sometimes you have to broaden your skill set before you get a chance to do more - get comfortable...
by jebmke
Tue Oct 17, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Data Security on Cellular Network
Replies: 8
Views: 656

Re: Data Security on Cellular Network

The main issue is that a smartphone is not a very secure platform, often made even worse by not following good practices (installing apps that may not be trustworthy and not running antivirus software being examples). You may make an SSL connection from your browser to a web site (also called https...
by jebmke
Mon Oct 16, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 51
Views: 4044

Re: WPA2 protocol used by vast majority of wifi connections has been broken

Many routers will not be updated. It seems like manufacturers are fairly quick to take models off support. I suppose in this case they might release security firmware patches but it does pay to look at the mfr web site to determine if new firmware is available once this has been patched on the newes...
by jebmke
Sun Oct 15, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5318

Re: Is Florida Over, 2017

The Uppards of Tangier Island, Virginia transitioned from land to abandoned marsh in 1928, and now the main island is headed that way. Two years ago, the Army Corps of Engineers projected 25-50 years of habitability remained, but you can see the land disappearing and what was dry five years ago is ...
by jebmke
Sun Oct 15, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 101
Views: 4823

Re: How does everyone keep track of your portfolio?

We moved everything to Vanguard. It is all there when I log in. I still track my cost basis for taxable holdings in Quicken (2012) but transaction volume is very low; I enter these manually.
by jebmke
Sun Oct 15, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 tax help before deadline!!! 401k excess
Replies: 21
Views: 724

Re: 2016 tax help before deadline!!! 401k excess

icedtea wrote:
Sun Oct 15, 2017 1:42 pm
What am I supposed to compare that against?
Not sure what your question is.

The marginal rate on the income for NY is 185/1636 or 11.3%.

If you are asking how do you know it is correct, the only way is to trace the calculations using the forms, NY instructions and a calculator.
by jebmke
Sun Oct 15, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 tax help before deadline!!! 401k excess
Replies: 21
Views: 724

Re: 2016 tax help before deadline!!! 401k excess

icedtea wrote:
Sun Oct 15, 2017 1:09 pm
How does one go about assessing the marginal income tax rate on this additional 1636 for state and city?
Usually what I do is back out the entry, note the lower tax and subtract from the original. That is the marginal tax on the marginal income.
by jebmke
Sun Oct 15, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 48
Views: 3122

Re: Amazon Prime - Decline in Delivery Service?

Not here. But we live about 1.5 hours from a massive AMZ distribution center.
by jebmke
Sun Oct 15, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 tax help before deadline!!! 401k excess
Replies: 21
Views: 724

Re: 2016 tax help before deadline!!! 401k excess

Note: TaxAct, the software the OP is using does give you the option to view forms and worksheets. As well as ancillary information regarding the completion of the form. I am puzzled by the lack of a form 1116 when the amount of the credit exceeded $300, then. This form should have been triggered au...
by jebmke
Sun Oct 15, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 tax help before deadline!!! 401k excess
Replies: 21
Views: 724

Re: 2016 tax help before deadline!!! 401k excess

As for NY, I'm paying 185 in taxes. I have no idea how to validate if that is correct though. A tip for next year. Don't buy software that does not give you visibility to all the forms while in process. With a copy of all the forms and a copy of the general instructions (Federal and state), you sho...
by jebmke
Sun Oct 15, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Ready to take the Taxable Account plunge!
Replies: 10
Views: 1391

Re: Ready to take the Taxable Account plunge!

Appreciate the advice. And strangely my 401(k) is less complex than the recommended funds the company suggested. But, I'll look into that. Yes I'm interested in Vanguard so if you have any specifics I'm all ears. Rollover is being held at Fidelity. TIPS, I'm looking into, is probably the VIPSX, cor...
by jebmke
Sun Oct 15, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5413

Re: What are you driving? And would you buy your current ride again?

2008 RAV4, 80K miles. Hoping it will last me another 10 years. By then I can probably convert to a smaller electric car - I hope to be living back in the city by then -- so I wouldn't buy another RAV at that time.
by jebmke
Sat Oct 14, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! 2016 taxes down to the wire: form 1116 help
Replies: 25
Views: 931

Re: HELP! 2016 taxes down to the wire: form 1116 help

You should be OK.

There is actually a theory that it is impossible to get Form 1116 correct. 8-)
I don't subscribe to this theory but if there was ever a tax form that this theory applied to, it would be Form 1116.
by jebmke
Sat Oct 14, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! 2016 taxes down to the wire: form 1116 help
Replies: 25
Views: 931

Re: HELP! 2016 taxes down to the wire: form 1116 help

I found the worksheets for form 1116 in TaxAct finally. I have passive category selected and the relevant values in place for foreign source ordinary dividends, qualified dividends and taxes withheld at the source, pulled from my 1099-DIV. So, does this mean I'll be good to go keeping the foreign t...
by jebmke
Sat Oct 14, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! 2016 taxes down to the wire: form 1116 help
Replies: 25
Views: 931

Re: HELP! 2016 taxes down to the wire: form 1116 help

I have used a lot of different tax softwares and I have never seen one get the 1116 done correctly automatically with itemized deductions.
by jebmke
Sat Oct 14, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4155

Re: 10 year anniversary of the beginning of the Great Recession

Speaking of the Great Recession, anybody know of a good book that covers what happened at the beginning? Watch the movie "The Big Short"....GREAT movie, and it explains a lot! I have not watched the film "The Big Short;" I've read the book. In general, I think you can learn more from a book than fr...
by jebmke
Sat Oct 14, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! 2016 taxes down to the wire: form 1116 help
Replies: 25
Views: 931

Re: HELP! 2016 taxes down to the wire: form 1116 help

Given that OP hasn't been able to confirm the existence of the 1116 I'd be inclined to just put in the $300. That will avoid the inevitable matching machine error that finds no 1116 with an amount over $300. Nobody at the IRS is going to work on this for the difference.
by jebmke
Sat Oct 14, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1740

Re: Earplugs that work on low frequency noise?

I don't understand the physics but my experience has been that not much helps block low frequency sound. I have tinnitus and hearing loss at high frequencies. I can hear low frequency sounds from longer distance than my spouse. Ear plugs do not seem to make any difference for me - maybe the sound vi...
by jebmke
Sat Oct 14, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: HELP! 2016 taxes down to the wire: form 1116 help
Replies: 25
Views: 931

Re: HELP! 2016 taxes down to the wire: form 1116 help

Without looking at the forms, it is hard to know what it is doing. I'd look at the form and see if it makes sense. If you itemize, my experience has been that it is virtually impossible to complete form 1116 "automatically" in software. Some of the expense entries require some manual intervention.
by jebmke
Sat Oct 14, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: HELP! 2016 taxes down to the wire: form 1116 help
Replies: 25
Views: 931

Re: HELP! 2016 taxes down to the wire: form 1116 help

I don't think IRS really cares when you're on the margin like this. Claiming $295 or so would get you most of the credit. And if they do care, all they would do is ask you to submit the 1116, with the end result getting you another $12. Besides, it could even be that the mutual funds made a minor c...
by jebmke
Sat Oct 14, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2538

Re: Annuities - how does insurance company know you died?

Who would be cashing the checks after she died? There are no checks, the money is transferred by ACH each month to your bank account, possibly a joint account. The bank will freeze the account at death and probably re-title the account in the name of the estate. I suppose there is some chance that ...
by jebmke
Sat Oct 14, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2538

Re: Annuities - how does insurance company know you died?

Who would be cashing the checks after she died?
by jebmke
Fri Oct 13, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 86
Views: 4636

Re: How many miles/years do you keep your car?

My car is 10 years old. It is a swing-gate small SUV that has been replaced with a lift gate style. I will keep this until it starts throwing wheels into the swamp.
by jebmke
Thu Oct 12, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

VG confirmed this today. Account is frozen once executor advises VG of a non-jointly held account holder's death. Executor then works with VG's Estate Planning department to provide appropriate documentation to gain access the account, which VG has retitled in the name of the estate. This was our e...
by jebmke
Thu Oct 12, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

VG confirmed this today. Account is frozen once executor advises VG of a non-jointly held account holder's death. Executor then works with VG's Estate Planning department to provide appropriate documentation to gain access the account, which VG has retitled in the name of the estate. This was our e...
by jebmke
Thu Oct 12, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2312

Re: Going First Class

As for the guy, he said something to me like " wow you must have huge status I'm ultra platinum diamond elite" (lol. Kidding but whatever it was some high status) and I was like nope we just paid for these babies. The best way to shut people like this down is to not treat a statement like a questio...
by jebmke
Thu Oct 12, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2312

Re: Going First Class

Why did you feel the urge to tell someone? I don't even tell people we're flying anywhere, period. Except my spouse - so she can pack a bag.
by jebmke
Thu Oct 12, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 36
Views: 2413

Re: Antivirus Software Recommendations

Windows Defender is all you need. I run Symantec at work because I need the centralized policy management and reporting. But all my personal machines, and those of my friends/family, just use Defender. Same here. Good computing hygiene is more important than threat detection IMO. I manage 40-50 lap...
by jebmke
Thu Oct 12, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 36
Views: 2413

Re: Antivirus Software Recommendations

midareff wrote:
Thu Oct 12, 2017 7:23 am
I use it on a fist full of Android devices.
I should look at this. I normally do a factory reset every six months on my Android devices just to clean up the inevitable conflicts between apps and the OS updates so it may not be as critical for me.
by jebmke
Thu Oct 12, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

I have no idea how common it is for married individuals to share their username and password with their spouse. We see enough comments on the forum to suggest that it does occur. If a person has both individual and joint accounts at a brokerage (which is very common), then in order to preserve the ...
by jebmke
Wed Oct 11, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

named on title of the account DW and I each have separate IRAs at Vanguard in our individual names. If I were to log-in to my account and change the title to both of our names would that change legal ownership to both of us? I already have her listed as the beneficiary. You can't title an IRA in an...
by jebmke
Wed Oct 11, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

When my BIL died, my wife sent the paperwork from the court designating her the executor of the estate to Vanguard. They re-titled his account to the estate and then they hooked this account to her Vanguard log in.
by jebmke
Wed Oct 11, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax issue: Made a mistake on Inherited IRA RMDs for five years
Replies: 36
Views: 2541

Re: Tax issue: Made a mistake on Inherited IRA RMDs for five years

I have begged for mercy for a mistake on my wife's inherited RMD as well as for several TaxAide clients. They have all been accepted. As long as you make it clear that you have fixed the problem they probably will waive the penalty.
by jebmke
Tue Oct 10, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 53
Views: 4911

Re: 2018 Honda Accord

The Accord had the most uncomfortable seats I have been in for quite some time. I have seen a lot of about the uncomfortable seats in the Accords. Is it hard or what? I don't recall it being that hard. Something about the angle and lower back. I was so glad to get out of that car after a 15 minute ...
by jebmke
Tue Oct 10, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Does anybody read the Medicare and You booklet?
Replies: 16
Views: 896

Re: Does anybody read the Medicare and You booklet?

nisiprius wrote:
Tue Oct 10, 2017 4:15 pm
jebmke wrote:
Tue Oct 10, 2017 4:13 pm
dm200 wrote:
Tue Oct 10, 2017 4:02 pm
yes - new cards with new number/id
Something other than SSN?
Yep.
Hmm. A lot of our TaxAide clients use their Medicare cards as proof of SSN because they don't have their SS card. They aren't going to like this.
by jebmke
Tue Oct 10, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 53
Views: 4911

Re: 2018 Honda Accord

We test drove the 2017 Accord (Hybrid) and 2017 Camry (Hybrid) back in June. The Accord had the most uncomfortable seats I have been in for quite some time. We didn't buy either -- decided to wait for 2018s -- but I could not imagine lasting more than a half hour in the Accord.
by jebmke
Tue Oct 10, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Does anybody read the Medicare and You booklet?
Replies: 16
Views: 896

Re: Does anybody read the Medicare and You booklet?

dm200 wrote:
Tue Oct 10, 2017 4:02 pm
yes - new cards with new number/id
Something other than SSN?
by jebmke
Tue Oct 10, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Does anybody read the Medicare and You booklet?
Replies: 16
Views: 896

Re: Does anybody read the Medicare and You booklet?

I read it. There is also a document called 02110-Medicare-Medigap Guide that I have (downloaded the PDF).

I start Medicare in January also. I am probably going to stop in and clarify a couple state-specific questions at our local SHIP office.
by jebmke
Tue Oct 10, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2294

Re: cash and landlines in disasters

A POTS landline in my area is as vulnerable as power. If a hurricane or ice storm take down a section of above ground lines, it takes everything. Our IP phone service stays up pretty long. I think the provider has battery backup and solar to keep its grid up as long as the lines aren't down. My UPS ...
by jebmke
Tue Oct 10, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2163

Re: When to buy new tires? - penny or quarter test

If my battery goes then I can't start. But if my tires are bad maybe I can't stop which is a far more serious matter. A much more serious matter. I've let batteries go until failure. I would not deliberately do that with tires. My thoughts too. On my RAV4 I will replace earlier rather than later. I...
by jebmke
Tue Oct 10, 2017 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp Plan (409A) Payments - earned income?
Replies: 5
Views: 337

Re: Deferred Comp Plan (409A) Payments - earned income?

Distributions from NQ deferred comp plans are generally not considered compensation for qualifying for making IRA contributions. The are normally reported on a W2 in Box 1 and Box 11. When I retired I had a large influx of income from NQ stock options which spiked my taxable income in the last year....
by jebmke
Mon Oct 09, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

With all of the security risks and advent of 2FA, have y'all thought about contingencies in case something happens to you and your significant other needs to access your accounts, etc? If you go missing with your cell phone, isn't your SO, SOL? My spouse has her own online accounts. She isn't autho...
by jebmke
Mon Oct 09, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4651

Re: Sonoma in October

Unfortunately, they're struggling with fires right now. There has been a lot of destruction in the Glen Ellen region. This would not be a good time to go, as you'd imagine. Touring wine country in the winter is a great option. Had an email from my BIL. His sister and husband live in Sonoma County a...
by jebmke
Mon Oct 09, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Please define "cash"
Replies: 31
Views: 1944

Re: Please define "cash"

stan1 wrote:
Mon Oct 09, 2017 4:47 pm
Bills and coins of course plus anything FDIC insured and money market mutual funds.

As far as asset allocation goes I just lump it in with bonds into "fixed income".

Stable value funds and TSP G Fund are probably on the boundary.
how about treasury bills and repos?
by jebmke
Mon Oct 09, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4651

Re: Sonoma in October

October in wine country is not the best time to go. Wineries are often busy with harvest & crush and/or crowded. Then there are the fires. We preferred to go in late spring after the rainy season was well past. Much easier to get access to the winemaker at many places.
by jebmke
Mon Oct 09, 2017 4:21 pm
Forum: Forum Issues and Administration
Topic: Getting Malwarebytes warnings on this site
Replies: 18
Views: 2598

Re: Getting Malwarebytes warnings on this site

I always have the browser flush the cache when I close it. On some machines I have ccleaner flush it automatically when I boot. I find that the speed of most internet makes the cache not as valuable as it used to be.
by jebmke
Mon Oct 09, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Please define "cash"
Replies: 31
Views: 1944

Re: Please define "cash"

My working definition is an account which has:
  • Effectively no default risk
  • Effectively no duration risk
  • Very high liquidity (can convert to food in 24-48 hours)
I suppose currency would be included but I rarely have more than $100.
by jebmke
Mon Oct 09, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Dividends growing at higher rates than inflation?
Replies: 9
Views: 795

Re: Dividends growing at higher rates than inflation?

Are you looking at specific dividend rates -- like the per share payout of Total Stock Market? Over what period. I don't keep track of dividends except for taxes so I am not sure. I think the long term trend (say, 100 years) dividends have beaten inflation by a little). I looked at this about 30 yea...