Search found 4580 matches

by jebmke
Tue Aug 23, 2016 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Oil Well Working Intrest
Replies: 12
Views: 670

Re: Oil Well Royalty

You will get a variety of answers here. I do not count any asset that I can't convert to cash within a reasonable period of time (my definition is one business week). So, for example, I don't count any real estate.
by jebmke
Mon Aug 22, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Best/safest/easiest way to send sensitive files to another person over the internet?
Replies: 39
Views: 2220

Re: Best/safest/easiest way to send sensitive files to another person over the internet?

I use a combination of encryption and cloud storage. I put an encrypted file in a Google Drive, create a share link (anyone with link can download) and email the link to the recipient. This avoids having to attach files that might either be too big, get stripped or corrupted or caught up in anti-vir...
by jebmke
Sat Aug 20, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion or Not?
Replies: 45
Views: 2780

Re: Roth Conversion or Not?

Decisions like these need to be made by doing a pro-forma tax return. Being in a tax bracket is not the same as having a marginal tax rate equal to the bracket rate.
by jebmke
Sat Aug 20, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: What to do with a deferred comp acct at retirement?
Replies: 6
Views: 491

Re: What to do with a deferred comp acct at retirement?

Have you confirmed with your employer that your deferred comp is "qualified?" (i.e. not NQDC) If it isn't, I don't believe you can roll it over into any type of IRA. When I retired, the terms of the NQ deferred comp program with my employer gave us two choices - take it as a lump sum or t...
by jebmke
Fri Aug 19, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 103
Views: 5763

Re: Favorite Restaurant Stop on Road Trips

We are experienced road travelers. Our method is to get a package of cold cuts from Costco. We take a cooler in the car. Some good sandwich rolls, canned beverages, snack foods, and condiments round out the meals. With this method, we always have good food, and we do not have to search for a decent...
by jebmke
Fri Aug 19, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to minimize tax due to company being acquired.
Replies: 6
Views: 534

Re: Ways to minimize tax due to company being acquired.

I still have a handful of legacy stocks from before going all index. Whenever one announces a cash-out merger I make sure to donate the stock to our Donor Advised Fund before the cash out date.
by jebmke
Thu Aug 18, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle ATM access with checking accounts?
Replies: 21
Views: 1028

Re: How do you handle ATM access with checking accounts?

One checking account with ATM card. Get $100 every 4-6 weeks for pocket money.
by jebmke
Thu Aug 18, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow and Spending in Retirement
Replies: 18
Views: 1119

Re: Cash flow and Spending in Retirement

Yes, to each their own. But the decision on what to sell is no more frequent, takes no more time, and no more brainpower than the decision to pay a credit card or phone bill. To wit, I look at the charges on my bills to make sure they are legit every month. Right; not like I am making a special tri...
by jebmke
Thu Aug 18, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow and Spending in Retirement
Replies: 18
Views: 1119

Re: Cash flow and Spending in Retirement

Here is a thread from earlier this week with some answer: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=197458 I have a couple of big credit card bills coming up (college tuition and August vacation), so I will sell some shares out of my taxable account bought in June because they have t...
by jebmke
Wed Aug 17, 2016 10:41 pm
Forum: Investing - Theory, News & General
Topic: Computer Security [Risk of using online financial services]
Replies: 22
Views: 1383

Re: Computer Security [Risk of using online financial services]

I use only my home computer with wired connection. I use a different browser than I use for any other activity. Planning to move to a VM when I get better organized.
by jebmke
Tue Aug 16, 2016 8:54 am
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5837

Re: How you enter the site changes what you view..thanks

To livesoft and grabiner, ahhhh...I don't enter Bogleheads thru that "portal" (When I accidentally go to that page, I back out of it, as I find it confusing.) I always enter from https://www.bogleheads.org/forum/index.php and pick my topic. So that explains that! Thank you for the informa...
by jebmke
Mon Aug 15, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: bifiocals vs progressive lenses - value/cost
Replies: 20
Views: 1240

Re: bifiocals vs progressive lenses - value/cost

One experience I had with progressives was adjusting to a change in prescription and type of lens cut. The new glasses required me to look more directly at distance objects to get a clear view, while the previous ones had a wider field that was clear. In a few days, I was fine - once I learned to t...
by jebmke
Sun Aug 14, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in Retirement
Replies: 14
Views: 2389

Re: Cash in Retirement

I don't know what most people do. I hate cash since it is a non-performing asset. I try to have as little cash as possible. So I pay expenses with a credit card, then pay off the credit card with money in a checking account. Usually the checking account balance is about one month of expenses. I sel...
by jebmke
Sat Aug 13, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: New Vanguard ONE App
Replies: 22
Views: 2459

Re: New Vanguard ONE App

I would never use my cell phone to access banking or financial websites. Cell phone security is far behind desktop security, and even desktop security is not that great IMHO. So skip the convenience of the app and stick with checking via browser on the desktop. Me neither. It can always wait 'til I...
by jebmke
Sat Aug 13, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 5405

Re: Joint Accounts - How do you use it?

One joint account. Spouse pays most of the bills (billpay) and I monitor and reconcile the account (and transfer money each month from VG). So we both know what is going on in the account. If either one of us croaks, the other can continue with the administrative work. Most of our expenses are on cr...
by jebmke
Thu Aug 11, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Heat Pump
Replies: 12
Views: 809

Re: Heat Pump

get manual J calc done. Oversizing is not a good idea.
by jebmke
Sun Aug 07, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Swimming pool repair, cleaning issues
Replies: 25
Views: 1591

Re: Swimming pool repair, cleaning issues

The only way to really know is to learn about water testing yourself. It's not really very hard. And then you may decide you have little use for your pool guy. That's the way it went with me, anyway. My spouse does it all and I know it isn't very involved because she doesn't spend much time at it. ...
by jebmke
Sun Aug 07, 2016 8:31 am
Forum: Personal Finance (Not Investing)
Topic: SWR and Current/Future Cash Flows
Replies: 23
Views: 1570

Re: SWR and Current/Future Cash Flows

I don't even attempt to forecast a future withdrawal rate. It depends on too much assumption about both the numerator and the denominator. Our expenses will change a lot -- I just don't know by how much. I do know that as my pension, SS and RMDs kick in that my tax expense may jump significantly. My...
by jebmke
Sat Aug 06, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: how is a rental added to assest allocation in morning star porfolio??
Replies: 2
Views: 164

Re: how is a rental added to assest allocation in morning star porfolio??

We treat rental income as income and don't include the asset as part of our portfolio (I don't include our house either). My general rule is if I can't convert the asset to food easily and quickly I don't count it.
by jebmke
Sat Aug 06, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Swimming pool repair, cleaning issues
Replies: 25
Views: 1591

Re: Swimming pool repair, cleaning issues

njboater74 wrote:And I'll also clarify that pool stores are not the 'experts', they're the Edward Jones of the pool world.

Indeed. They will sell you all kinds of repairs.

For leak testing we do a bucket test.
by jebmke
Sat Aug 06, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3144

Re: Moving from Android to iPhone

32gb should be fine if you don't normally have huge content. I have a lot of downloaded podcasts and even they don't take up a lot of space. Large video and many pictures would be the biggest consumer. Pix can be offloaded to the cloud periodically if not needed locally.
by jebmke
Sat Aug 06, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Swimming pool repair, cleaning issues
Replies: 25
Views: 1591

Re: Swimming pool repair, cleaning issues

Is a pool an asset or liability now when selling property in CA?

I have a pool (in MD). If we didn't use it I'd probably fill it in.
by jebmke
Sat Aug 06, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 51
Views: 3624

Re: Blocking robot calls.

Check out Panasonic cordless phones with answering machines. We have one that we use to block calls.
by jebmke
Sat Aug 06, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Help for 60 year old
Replies: 11
Views: 1401

Re: Help for 60 year old

Asset allocations are a personal choice - there really is no right answer. We have been at 40/60 since I retired at 55 (now 63). I retired in December 2007 and did not have any difficulty re-balancing and loss harvesting through the 2008-09 down-tick. We don't need to take any additional risk and I ...
by jebmke
Sat Aug 06, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3144

Re: Moving from Android to iPhone

I'd also look at the top LG phones. I have a fairly new LG 5 and it has been great. No glitches, long battery life, great camera (which I rarely use). In addition to many features/specs, two reasons I chose this were (a) can add SD card to expand memory and (b) the battery is removable. In rare cir...
by jebmke
Fri Aug 05, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: SWR and Current/Future Cash Flows
Replies: 23
Views: 1570

Re: SWR and Current/Future Cash Flows

I get what you are saying, but there is no way to figure SWR for reduced expenses at various future intervals. For example, I will have a slight expense reduction (~$1,000/mo.) in 9 years, then a much larger reduction in another 5 years (~$4,000/mo.) creating a significant error to any current esti...
by jebmke
Fri Aug 05, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: SWR and Current/Future Cash Flows
Replies: 23
Views: 1570

Re: SWR and Current/Futre Cash Flows

I just reduce my expenses by the amount of period cash flows and then calculate my withdrawal = expenses (net) divided by assets (liquid assets only). So, if my expenses (including all taxes) is $100,000 and my Pension is $25K and my SS is $20K then my net expenses are $55,000 If my total portfolio ...
by jebmke
Fri Aug 05, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3144

Re: Moving from Android to iPhone

I'd also look at the top LG phones. I have a fairly new LG 5 and it has been great. No glitches, long battery life, great camera (which I rarely use). In addition to many features/specs, two reasons I chose this were (a) can add SD card to expand memory and (b) the battery is removable. In rare circ...
by jebmke
Thu Aug 04, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 9610

Re: Stats on Americans 'cutting the cable' ?

I find how much NEWS I am missing by not having FOX News, CNN and MSNBC etc. ...." I stopped watching any cable news broadcasts a long time ago. I don't think I am missing any news. I may be missing a lot of talking heads but that is about it. For months CNN did nothing but show plane simulato...
by jebmke
Thu Aug 04, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: What is a safe indoor relative humidity?
Replies: 7
Views: 657

Re: What is a safe indoor relative humidity?

Ours runs 40-45% during the summer - but we don't keep the temps too low - maybe 77-78 during the day. If we ran the AC harder it would probably drop a bit. Our house is well sealed though so we don't get a lot of moisture coming in.
by jebmke
Thu Aug 04, 2016 6:49 am
Forum: Personal Finance (Not Investing)
Topic: How are taxes different after retirement?
Replies: 39
Views: 3338

Re: How are taxes different after retirement?

In my state, Maryland. When you reach age 65 you become eligible for a retirement income exclusion (from state income taxes) for part of your retirement income.
by jebmke
Wed Aug 03, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Brother/Windows 10 issue
Replies: 4
Views: 439

Re: Brother/Windows 10 issue

I reinstalled all my printers when I upgraded from Win 7 to 10. Printing is one of the weakest links in computing. I wonder if the break only occurs when the Win 7 drivers were kept. I guess I will find out eventually.
by jebmke
Tue Aug 02, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Capitulating on Windows Phones
Replies: 14
Views: 943

Re: Capitulating on Windows Phones

Google Maps is pretty solid. Probably better than on and off highway as described -- but it does choose some bad routes. From my home to Forest Hills, NY it suggests going up to NJ and then through the tunnel and across Manhattan to Queens. Only a masochist would take that route (except maybe at 3a...
by jebmke
Tue Aug 02, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Capitulating on Windows Phones
Replies: 14
Views: 943

Re: Capitulating on Windows Phones

Is there a Here app for Windows? I use it on Android and it works fine. But I don't talk to my phone -- even when it rings.
by jebmke
Tue Aug 02, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Are these home [insulation] items worth it?
Replies: 18
Views: 1768

Re: Are these home installation items worth it?

When we had an energy audit with the full blower test, it showed the attic hatch looking like a giant chimney siphoning air out of the house into the attic. In addition to adding insulation in the attic generally we had all the penetrations sealed, including some of the plates which were wide open t...
by jebmke
Tue Aug 02, 2016 10:45 am
Forum: Forum Issues and Administration
Topic: IP address change [Server may go "offline"]
Replies: 9
Views: 675

Re: IP address change

well, that was a fiasco. Our provider broke something BEFORE changing the address block. We've been down since then waiting for them to get it back together. We'll have another outage when the make another attempt. Hopefully, it will be smoother next time. Back in the good old days of punch cards a...
by jebmke
Mon Aug 01, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Roof/deck ideas?
Replies: 15
Views: 630

Re: Roof/deck ideas?

And you need to attache the deck material without puncturing Ours was free standing, not "attached". They cemented a strip of some kind of rubber/polymer for each of the cross pieces that actually sat on the rubber membrane. We did confirm that the house would hold the contents etc. When ...
by jebmke
Mon Aug 01, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Roof/deck ideas?
Replies: 15
Views: 630

Re: Roof/deck ideas?

We had a contractor do just this at our house in Milwaukee years ago. He constructed a deck -- basically a large pallet -- custom sized for the space. In our case, there was an ever so slight pitch to the space to enable water to drain toward the back where it ran into a gutter and was channeled out...
by jebmke
Sun Jul 31, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion advice
Replies: 19
Views: 1675

Re: Roth Conversion advice

I-orp is pretty aggressive when it computes how much to convert. I elected to convert less than it suggested, as I thought the numbers were kind of high. So it is up to you to decide what your comfortable with when doing the actual conversions. Perhaps I was wrong by not doing the above conversions...
by jebmke
Sun Jul 31, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 3921

Re: NYT cautionary tale on the cloud

Curious that no one in this thread is discussing the article itself. It seems like a sensationalist op-ed about one specific case with legal issues that is all of 3 days old. I don't know what's going to happen, but the article was written by Chicken Little. Personally, I think that Google's securi...
by jebmke
Sun Jul 31, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 1859

Re: Looking to take first international trip

If it were me, and I only had one week I would be inclined to pick one place and stay there, taking advantage of possible nearby day trips depending on level of interest and availability (Normandy is not a viable day trip from Paris IMO). When we lived in Brussels, for a two week vacation (short by ...
by jebmke
Sat Jul 30, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Proceeds from Home Sale
Replies: 1
Views: 264

Re: Proceeds from Home Sale

When we moved overseas for a 3 year assignment I just dumped our home equity in Limited Term Tax Exempt Bond fund. I wasn't trying to squeeze every last nickel out - mainly wanted it there when I got back.
by jebmke
Sat Jul 30, 2016 7:19 am
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 2492

Re: Last day for free update to Windows 10

joe8d wrote:Didn't upgrade from W7 since it was not a " Clean " download.

Not sure what you mean here.
by jebmke
Fri Jul 29, 2016 3:51 pm
Forum: Investing - Theory, News & General
Topic: What Permanent Records To Save Out Of Vanguard Accounts?
Replies: 26
Views: 2268

Re: What Permanent Records To Save Out Of Vanguard Accounts?

Is there an example of a major financial institution having records of customer assets that were proven incorrect due to customer records? I don't know of one. I do. I help my dad file his taxes. In the first year after the IRS rules changed Form 8949 which told if the basis was reported to the IRS...
by jebmke
Fri Jul 29, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 2492

Re: Last day for free update to Windows 10

VM cloned fine. Was probably some glitch with the upgrade to W10 or the VB rev I was using.
by jebmke
Fri Jul 29, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 2492

Re: Last day for free update to Windows 10

I upgraded to lock in the free upgrade. I may roll it back since I am having problems with Virtual Box. This puzzles me. From your other post, I think I tested this correctly. 1) On my Win7 machine I had an existing VirtualBox Win7x64 VM. 2) Upgraded to Win10 without troubles. 3) Ran VirtualBox (v5...
by jebmke
Fri Jul 29, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 2492

Re: Last day for free update to Windows 10

coachz wrote:So why is Win7 needed in a VM in Win10 ? Don't all the apps/drivers work in 10 that ran in 7 ?

I do a customized Win7 image for an inventory of 50 laptops for TaxAide. It can be done on real hardware but it is much easier if it is done in a VM.
by jebmke
Fri Jul 29, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 2492

Re: Last day for free update to Windows 10

I upgraded to lock in the free upgrade. I may roll it back since I am having problems with Virtual Box.
by jebmke
Fri Jul 29, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 2492

Re: Last day for free update to Windows 10

nisiprius wrote:Whaaaaaat?

After today do the forced auto-upgrades also auto-bill your credit card?

Why do they have your credit card?
by jebmke
Fri Jul 29, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Actual SWR when considering mortgage principal payments
Replies: 16
Views: 1045

Re: Actual SWR when considering mortgage principal payments

I don't have a mortgage but if I did, I wouldn't count the principal payments as an expense. On the other hand, I don't include the equity of my home as a retirement asset either so it is still a drawdown of your assets. Your assets still have to sustain a future cash flow.

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