Search found 5965 matches

by jebmke
Mon Jun 26, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 17
Views: 1064

Re: Where to stay/what to do in Seattle

We really enjoyed the Klondike Museum. Great history of the Klondike gold rush and the link to Seattle.
by jebmke
Mon Jun 26, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Two days in Vancouver - Suggestion...
Replies: 15
Views: 654

Re: Two days in Vancouver - Suggestion...

FB01 wrote:
jebmke wrote:The Museum of Anthropology at UBC is not to be missed.


Will a 8 year old kid enjoy this Museum?

-FB

There were a lot of families there when we visited. Spectacular exhibits of First Nation artifacts.
by jebmke
Mon Jun 26, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 15
Views: 840

Re: Stupid Security Questions

I keep mine in KeePass. None of them make any sense relative to the question.
by jebmke
Mon Jun 26, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Paper Receipts
Replies: 28
Views: 1871

Re: Best Practices for Managing Paper Receipts

I then file the note in a general receipts folder I've made in the notes app. I find it helpful to segregate receipts related to tax filings -- like charitable donations, medical expenses, Schedule E expenses etc.- anything where there is a paper trail for an entry on the tax form. For each summari...
by jebmke
Sun Jun 25, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Two days in Vancouver - Suggestion...
Replies: 15
Views: 654

Re: Two days in Vancouver - Suggestion...

The Museum of Anthropology at UBC is not to be missed.
by jebmke
Sun Jun 25, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: SPF Driving Gloves
Replies: 6
Views: 478

Re: SPF Driving Gloves

Perhaps I'm being a but paranoid, but I've had some sun damaged skin issues now that I am approaching age 60. Today while driving, I noticed that my left hand is usually in the sun. Yes, I used sunscreen. But is there a specific glove to screen out the sun's rays for driving? I would like the entir...
by jebmke
Sun Jun 25, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Leave a good boss for career advancement?
Replies: 12
Views: 1113

Re: Leave a good boss for career advancement?

A good manager expects, and even wants members of her/his team to excel and advance.
by jebmke
Sun Jun 25, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Travel to Kazakhstan - Health Insurance
Replies: 11
Views: 884

Re: Travel to Kazakhstan - Health Insurance

I always pick up a travel plan from world nomads or a AIG directly. The plan covers a lot of medical services that my insurance won't cover out of the country, including flying someone out to stay bedside if I am hospitalized and up to $1M to fly me home on a medical flight in an emergency. The pri...
by jebmke
Sat Jun 24, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: sell some of my stocks?
Replies: 2
Views: 280

Re: sell some of my stocks?

Over the years we have been donating to charity legacy individual stocks with unrealized long term gains. We do it via our Donor Advised Fund but it can be done directly to charities. This avoids taking a gain, gets rid of the stock, gives us a tax deduction for the donation and helps one or more wo...
by jebmke
Sat Jun 24, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 1860

Re: emerald ash borer disaster

As for plane trees, my local park here in the city has a bunch of them, and I am not a fan. They seem to drop leaves when under any kind of stress, are not particularly attractive (gangly), and falling branches during/after a storm are also a problem. Our area has some but they tend to be along cou...
by jebmke
Sat Jun 24, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Received W2-C: Do I NEED to file amended tax return?
Replies: 7
Views: 511

Re: Received W2-C: Do I NEED to file amended tax return?

If they handle it correctly on their end and document it on a correct W-2C, it sounds to me that there is absolutely no reason for you to file a 1040X for the year of the overpayment but you will be able to claim a deduction of any amounts repaid on your return for the year of the repayment. Is thi...
by jebmke
Sat Jun 24, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 1860

Re: emerald ash borer disaster

so now they don't plant the same kind of tree on every street anymore to avoid the catastrophic decimation of trees That would make it more interesting anyway. But developers like simplicity. Around here everyone planted Leyland Cyprus trees because they grow fast and make decent windbreaks (for a ...
by jebmke
Sat Jun 24, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 1860

Re: emerald ash borer disaster

Tulip poplars also grow quite large. Well over 100 feet in my area in mid-Atlantic.
by jebmke
Sat Jun 24, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 1860

Re: emerald ash borer disaster

TBillT wrote:They are saying in Wash DC the ash borer is getting to the trees on Roosevelt Island where the Teddy Roosevelt memorial is located on the Potomac.

I think they have been closing in on DC for a few years now.
by jebmke
Sat Jun 24, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: VG notice of transition
Replies: 7
Views: 898

Re: VG notice of transition

If you search the site for "Vanguard account upgrade" you will find a lot of threads on this subject. Opinions vary on the impact of this change. My rep has told me that it is not a mandatory change but my account is large and they may make exceptions for larger accounts. I did change on o...
by jebmke
Sat Jun 24, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Losing admiration for Warren Buffett
Replies: 9
Views: 1496

Re: Losing admiration for Warren Buffett

Don't the major US equity indexes also hold Wells Fargo?
by jebmke
Sat Jun 24, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2367
Views: 719453

Re: What Book Are You Currently Reading? Part VI

Steven Brill has done quite a bit of writing on this subject as well.
by jebmke
Sat Jun 24, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 1860

Re: emerald ash borer disaster

I always liked the locust trees along our street in Wisconsin. Not sure how they do in the east. The advantage is that the leaves are skinny and some filtered sun gets through for the grass -- and they don't make big piles of leaves to deal with.
by jebmke
Sat Jun 24, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 1860

Re: emerald ash borer disaster

Make sure that it's not actually a bradford pear tree that's been suggested (does not produce fruit, which is why I ask, since the others aren't fruit producers either), and if it is, say **** no. They stink (really bad). I'll let you google for more colorful terms of how they stink. I'm sure he me...
by jebmke
Fri Jun 23, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Springtails infestation. Solutions?
Replies: 8
Views: 813

Re: Springtails infestation. Solutions?

Learn to live with them? Springtails are tiny and pretty harmless. They don't bite or really spread disease. Due to their tiny size, they can get in through the tiniest cracks, so keeping them out would require a ton of chemical sprays around the perimeter. Would DE around the perimeter keep them o...
by jebmke
Fri Jun 23, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 54
Views: 2845

Re: Worthwhile TV programming?

Baseball
by jebmke
Fri Jun 23, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rollover old employer 403b?
Replies: 14
Views: 434

Re: Should I rollover old employer 403b?

runner540 wrote:Good thoughts above. Not a lawyer, but some states offer stronger asset protection for employer ERISA accts than IRAs.

Some states also tax distributions from qualified plans differently from IRAs.
by jebmke
Fri Jun 23, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 167
Views: 18627

Re: Early Retirement - what to do about healthcare?

Someone in their 30s who wants to retire early should seriously consider immigrating to Canada, Western Europe, or Australia. It is easier to do this when you are younger and is easier if you have in-demand skills. Unless you have dual citizenship, for most of those places you would need to work to...
by jebmke
Fri Jun 23, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 167
Views: 18627

Re: Early Retirement - what to do about healthcare?

I am currently opting to try option (3). I calculated our cost of un-subsidized ACA plan now, doubled that (assuming higher age ratio), and 2x inflation growth rate from there. Who knows if that will be enough. A general approximation is all you can do. Too many unknowns to waste much time trying t...
by jebmke
Fri Jun 23, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Personal training and massage expenses
Replies: 14
Views: 1164

Re: Personal training and massage expenses

In general - no to massages, personal trainers, health club memberships. Health club memberships are listed as specific exclusions under section 105, 213 allowable medical expenses. Employers can provide health club memberships as perks but are supposed to include fee paid on employee W-2. Exceptio...
by jebmke
Fri Jun 23, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 167
Views: 18627

Re: Early Retirement - what to do about healthcare?

Medicare isn't guaranteed.

At least with an employer you have some insight into the financial strength of the company and the commitment of management (or lack thereof) to maintain benefit programs. Of course there are no guarantees. That is why I have a financial contingency.
by jebmke
Fri Jun 23, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Springtails infestation. Solutions?
Replies: 8
Views: 813

Re: Springtails infestation. Solutions?

I would think something like Onslaught would work - it works on a variety of crawly insects like ticks and chiggers....Triazicide might do it as well.
by jebmke
Fri Jun 23, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Personal training and massage expenses
Replies: 14
Views: 1164

Re: Personal training and massage expenses

Can my company pay these expenses (because they help me to continue to work effectively)? I am the only employee of my company. What does the boss say? . I am the owner. It is an S Corp with one employee (me). I may be wrong but the company could pay for it. It would be a bit like a country club me...
by jebmke
Fri Jun 23, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Personal training and massage expenses
Replies: 14
Views: 1164

Re: Personal training and massage expenses

Can my company pay these expenses (because they help me to continue to work effectively)? I am the only employee of my company. What does the boss say? Normally these would not be reimbursable via HSA. An exception might be if they are prescribed by a physician to treat a specific medical condition...
by jebmke
Fri Jun 23, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 167
Views: 18627

Re: Early Retirement - what to do about healthcare?

You're going to need an employer-based plan that stays with you in retirement as a benefit or at least COBRA. Anything short of that, you're going to be gambling a great deal. That was my calculation when I ERd in 2007. I was very (but not 100%) confident that my employer would continue retiree pla...
by jebmke
Fri Jun 23, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about the death thing for taking SS
Replies: 17
Views: 1419

Re: Thinking about the death thing for taking SS

There is a fairly good chance that at least one of you will live well beyond 85 unless you know something you haven't shared. Purely anecdotal but I am seeing more and more of my TaxAide clients in their 90s walking into the center (with no assistance) to get their taxes prepared. This last year, f...
by jebmke
Fri Jun 23, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Leaving a job with HSA
Replies: 8
Views: 1036

Re: Leaving a job with HSA

Generally it is prorated. All of this is outlined in IRS pub 969 and the instructions for form 8889.
by jebmke
Fri Jun 23, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 30
Views: 1889

Re: New cars w/ no CD player -- what can I do with my CDs?

I started to rip stuff to my phone and then decided to skip that and use Spotify. In the end, I have discovered different music choices and rarely play the ones I have on CD. The premium service lets me store music on the phone so I don't have to use data.
by jebmke
Fri Jun 23, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"
Replies: 24
Views: 3363

Re: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"

Taylor, I think some of this is driven by clients. Clients want to see that their advisor is "doing something", I think seeing a three fund portfolio might raise objections after spending hundreds if not thousands on a financial plan. Probably ego not only on the part of the advisor but a...
by jebmke
Fri Jun 23, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund choice
Replies: 11
Views: 619

Re: Dividend fund choice

You're going to put 2% of your portfolio into something and think it will make any difference? What are the circumstances where you see that happening? Even 4% isn't worth the trouble. My threshold is 25% - if you can't get an asset to that level it isn't going to move the needle and just gets in t...
by jebmke
Thu Jun 22, 2017 11:59 pm
Forum: Investing - Theory, News & General
Topic: Dividend calculations -- Am I missing something?
Replies: 5
Views: 713

Re: Dividend calculations -- Am I missing something?

Bond funds pay dividends pro-rated for the dates you own them during the month.
by jebmke
Thu Jun 22, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 167
Views: 18627

Re: Early Retirement - what to do about healthcare?

One last thing, anyone thinking that US healthcare system is the best in the world should look at the infant mortality rate versus other developed countries. Once you get away from urban areas and/or teaching hospitals it often becomes mediocre at best+; in many rural areas it is nearly non-existen...
by jebmke
Thu Jun 22, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 357

Re: storing loyalty/membership cards digitally?

The problem for me is I have too many of them and I don't really use them. There was a time when I used to travel a lot but not anymore. So I don't have or want apps from any of those companies. I just hold on to the membership (and provide at the time of booking) because sometimes I can get free p...
by jebmke
Thu Jun 22, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 357

Re: storing loyalty/membership cards digitally?

I keep the numbers, usernames and passwords in KeePass.
by jebmke
Thu Jun 22, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1274

Re: LG washer and dryer "NFC tag on" feature

Earl Lemongrab wrote:
mrc wrote:Perhaps. But the buzzer was free. So is looking at the darn thing.

I don't normally hang around that close to the laundry. Currently I use kitchen timers.

NFC range is 4cm
by jebmke
Thu Jun 22, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1274

Re: LG washer and dryer "NFC tag on" feature

I think the only time my wife has run an empty cycle for cleaning was after dyeing something.
by jebmke
Thu Jun 22, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1274

Re: LG washer and dryer "NFC tag on" feature

I had a built in system in my car in Europe. I drove quite fast in some countries. At 180kph+ the freeway exits can come up on you pretty fast. My GPS system would warn me at intervals based on my speed and even suggest reducing speed as I approached an exit on my route. it was very polite. Not, &q...
by jebmke
Thu Jun 22, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 21
Views: 1883

Re: VTSAX dividend error?

If the shares and dollar amount are correct I don't normally worry about it. Were the shares correct or will the higher price reduce the number of shares obtained in reinvestment.
by jebmke
Thu Jun 22, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 21
Views: 1883

Re: VTSAX dividend error?

Could be. I don't reinvest divs so I have trade confirms when I manually "reinvest". The real test will be the statement. I don't pay attention to contemporaneous data posted on their web site right after a transaction. It sometimes gets fixed after a few days or so.
by jebmke
Thu Jun 22, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6651

Re: Any BHs Had Experience With the Honda Fit?

And Belgium has the highest road accident death rate in Western Europe, after Portugal, I believe. Friend was driving on a roundabout, wife lost her hip when they were sidewiped. I think a couple of factors contribute to this. One, significant population of non-Belgians swarming around in Brussels....
by jebmke
Thu Jun 22, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 3486

Re: Need to find Loaded Index Funds

All these recommendations to find a new job are absolutely asinine. Ya, that's a good move. Kill your career (which we know nothing about) because your employer (who we know nothing about) takes some stance on the new DOL regs we aren't privy to. I guess at some level you have to make a decision on...
by jebmke
Wed Jun 21, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Paper Receipts
Replies: 28
Views: 1871

Re: Best Practices for Managing Paper Receipts

Other than receipts related to tax matters, the only ones I keep are those that might have some relevance for returns, warranty or something similar (e.g. record of installations, maintenance on the house).

re: #6 - recycle bin or shredder is most useful
by jebmke
Wed Jun 21, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1274

Re: LG washer and dryer "NFC tag on" feature

I had a built in system in my car in Europe. I drove quite fast in some countries. At 180kph+ the freeway exits can come up on you pretty fast. My GPS system would warn me at intervals based on my speed and even suggest reducing speed as I approached an exit on my route. it was very polite.
by jebmke
Wed Jun 21, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1274

Re: LG washer and dryer "NFC tag on" feature

For much the same reasons you need to connect your smartphone to your toaster in order to be able to toast something. Skynet. It all started when printers started telling us (and in some cases ceased to print) when it was time to order toner cartridges. It has been all downhill since. :P I was driv...
by jebmke
Wed Jun 21, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1274

Re: LG washer and dryer "NFC tag on" feature

It does not appear that the washer has any direct connection to the internet. I don't want my appliances, thermostats, car, etc. on the internet. Me neither. We just got a Roomba so next time I upgrade the network I am installing a guest network. We are likely to buy a new car this fall - I am hopi...

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