Search found 6282 matches

by jebmke
Wed Aug 16, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How can I keep track of my monthly spendings?
Replies: 27
Views: 1438

Re: How can I keep track of my monthly spendings?

My credit cards issue an annual summary which has category detail by month. I rarely use it. I only really track three categories.
  • Capital (large items with a long useful life - like a car)
  • Income taxes (I get this from the returns)
  • Everything else.
by jebmke
Wed Aug 16, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 10
Views: 1033

Re: If you received robocalls from cruise lines

Fortunately we don't answer any calls from anyone we don't know -- and even then, often not. I am eligible for Medicare in January, 2018. Our phone is ringing off the hook with calls from various providers 30-40 a day, I would guess. I am this close to just shutting off the ringer and shunting all c...
by jebmke
Wed Aug 16, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: IRS Audit 2015 1099 MISC
Replies: 11
Views: 1311

Re: IRS Audit 2015 1099 MISC

You are exactly right Rudy and it is the position I always present and take when preparing tax returns. Very clearly spelled out in Pub 17, page 186 and supporting referenced sections and pages. Publication 17 has always been my go-to resource ever since I started doing my taxes many many years ago...
by jebmke
Wed Aug 16, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 1864

Re: Backup of Sensitive Information

I think it depends on how the software is designed. From your description it appears that Boxcryptor keeps the key in their system and you have a password to get the key. If this is correct, it isn't a system I would use since it implies that BC has your key and simply has an arrangement to give it ...
by jebmke
Wed Aug 16, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Why/how can Android web browsers stall the whole OS?
Replies: 8
Views: 748

Re: Why/how can Android web browsers stall the whole OS?

I had similar freeze up problems with a Nexus 9 tablet running whatever the current Chrome OS is. It happened randomly, actually usually not browser related but using other apps. I did many searches on "nexus 9 freezes" and similar. I finally did a factory reboot and all's been fine for a month or ...
by jebmke
Tue Aug 15, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 1864

Re: Backup of Sensitive Information

The file doesn't use the password to decrypt. The password is used by the program that encrypts or decrypts the data and places it in the file.
by jebmke
Tue Aug 15, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Vanguards online fraud policy - remember username -iPhone App?
Replies: 15
Views: 1722

Re: Vanguards online fraud policy - remember username -iPhone App?

I doubt you will get any movement in asking a financial company to make their fraud policy less restrictive. It isn't in their interest. What they should probably do is make a blanket statement about the risk of making financial transactions on mobile devices. I can understand that some people have ...
by jebmke
Tue Aug 15, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 1864

Re: Backup of Sensitive Information

I was looking at encryption for some files but could not understand an aspect of local encryption keys. You have the key stored locally and then all your hardware is stolen or destroyed. So then you buy a new computer and download your encrypted file how do you decrypt your files without the local ...
by jebmke
Tue Aug 15, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 1864

Re: Backup of Sensitive Information

Most of my statements and confirmations are on my computer. My Quicken file includes the tax basis history for my entire taxable investment account. A fair amount of my HSA documentation is on my computer. I am also on a couple of boards for non-profits and perform some free audits of two others. Al...
by jebmke
Tue Aug 15, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Donor advised fund at Vanguard or elsewhere?
Replies: 40
Views: 2739

Re: Donor advised fund at Vanguard or elsewhere?

You're still going to pay the 0.6% administrative fee (say, the same as Fidelity) but your investment pools are much cheaper. are they? I took a quick look. It may depend how you invest. I have all ours at VG in Total Bond. in the VG DAF, Total Bond is .05% in the Fid DaF, US Bond Index is .03% it ...
by jebmke
Tue Aug 15, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 1864

Re: Backup of Sensitive Information

That is irrelevant for encrypted files. If you change just one byte of a 1GB encrypted file, that will result in a new 1GB file that has close to zero bytes in common with the original file. Ergo, needing to re-upload the whole thing any time changes are made, and rapidly consuming all available st...
by jebmke
Mon Aug 14, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguards online fraud policy - remember username -iPhone App?
Replies: 15
Views: 1722

Re: Vanguards online fraud policy - remember username -iPhone App?

The real issue is not whether they should provide this feature or whether one should use this. The real issue is that they apparently have an error in the fraud policy because they are providing this feature (so apparently they are ok with customers using it) but then say that they will not make yo...
by jebmke
Mon Aug 14, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 64
Views: 5885

Re: Retired Boglehead obsession with money- devil's advocate

If I get put in a home, I'd rather be in one where I can private pay $14k a month and get real food, tv, a nice environment and enough health care staff to notice whether or not I'm still alive vs being in one where for entertainment, I get to lean against a cement block wall and where a nurse come...
by jebmke
Mon Aug 14, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguards online fraud policy - remember username -iPhone App?
Replies: 15
Views: 1722

Re: Vanguards online fraud policy - remember username -iPhone App?

Exactly. You wouldn't think of storing this information on a computer. Why would you store it in a phone app?
by jebmke
Mon Aug 14, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 64
Views: 5885

Re: Boglehead obsession with money- devil's advocate

Could be that the worriers are the minority who post about their worries. Maybe the rest are just finance junkies.
by jebmke
Mon Aug 14, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule A Tax Modeling for 2017 >age65
Replies: 9
Views: 672

Re: Schedule A Tax Modeling for 2017 >age65

Most tax software allows you to override the calculations or the data coming from another form. It usually means you can't e-file the return but in this case, you don't care. I do all my pro-forma's by jamming data into various forms -- many times in aggregate (e.g. one number for dividends). or do ...
by jebmke
Mon Aug 14, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 49
Views: 2672

Re: How long to keep IRA records?

I keep all my records from institutions. I can always find something less important to throw away or recycle.
by jebmke
Mon Aug 14, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2609

Re: PSA - Mute button for Gas Station TV!

but leaving the pump unattended is just plain reckless and inherently dangerous. Someone should tell that to the dozens of attendants on the NJ Turnpike. I have never seen any one of them stay with the pump. They zip from car to car and return after the pump stops -- sometimes a long time after if ...
by jebmke
Mon Aug 14, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 1965

Re: ipad or tablet for hospital?

And good point above about if someone has a somewhat altered mind... But who would monitor? At a minimum, I'd keep any apps or information that would allow purchasing or transacting off the device. I know nothing about social media (what we think of as social media, e.g. twitter, facebook ...) beca...
by jebmke
Mon Aug 14, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 970

Re: Erroneous Vanguard fund prices from 8/11

Unclear why I would care what their system is showing for the past if I didn't buy or sell. If I had bought or sold, I'd be looking at my confirmation to determine if that looked weird.
by jebmke
Mon Aug 14, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 1965

Re: ipad or tablet for hospital?

He was hallucinating and sending unintelligible texts, a bad combination! Watchout for the keeping in touch while the patient is on pain meds. And some anesthetics/sedatives can really do a number on your short term memory so you can make a fool of yourself over and over and over and not even know ...
by jebmke
Mon Aug 14, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 1965

Re: ipad or tablet for hospital?

As far as I know, physically locking a tablet would require gluing something to the tablet. Perhaps they have a lockable drawer in the room. In any case, if it were me I'd buy an inexpensive or used tablet and load only what is absolutely needed and implement a lock screen and encryption (Android ha...
by jebmke
Sun Aug 13, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bank balking at transferring assets to Vanguard
Replies: 14
Views: 2906

Re: Bank balking at transferring assets to Vanguard

After talking with five different people at VG, each of whom referred me to a different person/dept. or back to the one I had just spoken with, I was finally told I need to write a letter explaining the situation and send a copy of the relevant IRS rule. I hope this will do the trick. Write a lette...
by jebmke
Sun Aug 13, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2057

Re: For those switching to Chrome from Firefox

Mudpuppy wrote:
Sun Aug 13, 2017 2:49 pm
I am personally rethinking whether or not I should be running NoScript and the like on the browser my financial virtual machine.
Just for clarification, you mean stop using NoScript because it has the potential to be compromised?
by jebmke
Sun Aug 13, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2057

Re: For those switching to Chrome from Firefox

FWIW.... https://www.theverge.com/2017/6/1/15726778/chrome-ad-blocker-early-2018-announced-google From article: Google will introduce an ad blocker to Chrome early next year and is telling publishers to get ready. The warning is meant to let websites assess their ads and strip any particularly disr...
by jebmke
Sun Aug 13, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2057

Re: For those switching to Chrome from Firefox

There are extensions for stopping auto-playing videos. Heck, there may even be an about:config preference. But nothing happens by default. We have to work at turning things off. The more ads that can be thrown at us in audio and visual, before our intervention, the better. ;) Edit: jebmke beat me t...
by jebmke
Sun Aug 13, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2057

Re: For those switching to Chrome from Firefox

I have had two pernicious issues with FF lately. Every once in a while it seems to go wild with memory - ballooning to 2.5-3gb in task manager. I end up having to kill the process and restart FF. It also seems to create a massive duplicate history on some sites such that when you hit the back button...
by jebmke
Sun Aug 13, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2057

Re: For those switching to Chrome from Firefox

I primarily use Firefox. I only use Chrome when I want to see flash videos since for some reason I can;t get Flash to install in Firefox. I do not like Chrome. It hangs with script errors, it sinks like a stone sometimes because it lets sites run videos without asking me, often video ad screens and...
by jebmke
Sun Aug 13, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2057

Re: For those switching to Chrome from Firefox

I have switched to Opera on my Macbook Pro. So far it is the only one that I have found that stops auto-playing videos. It also can put itself into a lower power mode when I am on battery which extends my running time. I have stopped them on Firefox and Chrome. In FF you have to go into the config ...
by jebmke
Sun Aug 13, 2017 11:18 am
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2587

Re: Please consider setting a time limit of 15 minutes to edit a post

celia wrote:
Sun Aug 13, 2017 10:57 am
I don't see the problem here. We can already edit our posts for 15 min, 15 days, or 15 years (assuming it isn't archived and cleaned out of the board).
I think OP wants to prevent edits after 15 minutes have passed.
by jebmke
Sun Aug 13, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Vt Tax Dept. Notice of Intent to Assess - Audit
Replies: 6
Views: 795

Re: Vt Tax Dept. Notice of Intent to Assess - Audit

I would suggest pulling up a transcript from the IRS transcript service and see what their system thinks you filed.
by jebmke
Sun Aug 13, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Starting an HSA as I begin retirement
Replies: 3
Views: 419

Re: Starting an HSA as I begin retirement

I would start by exploring the wiki section on HSA and then decide if you have clarifying questions.

https://www.bogleheads.org/wiki/Health_savings_account
by jebmke
Sat Aug 12, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have an HDHP?
Replies: 8
Views: 771

Re: Do I have an HDHP?

UnitedHealthcare should be able to tell you if it's an HSA plan or not. If the customer service person you speak to doesn't know, ask to talk to a supervisor. An individual does NOT determine if a plan is HSA compatible or not, your state does. The insurance carrier (UnitedHealthcare) sends their p...
by jebmke
Sat Aug 12, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Testing Our Allocations Emotionally
Replies: 26
Views: 1623

Re: Testing Our Allocations Emotionally

Yes, I did keep investing. Most investing was automatic (my 401(k) and my spouses pension/profit sharing scheme). Keep in mind that for a long time, many of us had no instant reporting to show the damage. Also, a large part of our assets were in a private pension/profit sharing scheme that only repo...
by jebmke
Sat Aug 12, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Testing Our Allocations Emotionally
Replies: 26
Views: 1623

Re: Testing Our Allocations Emotionally

Not sure I understand your question. I started investing in early '80s so I've seen at least a couple of deep drops as well as a short-term, less deep but violent one in 1987.
by jebmke
Sat Aug 12, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 1864

Re: Backup of Sensitive Information

Arq backs up my files every hour and retains old versions in case I delete or break something. This is a critical step. Without versioning, all one has is a mirror. Anything bad that happens on the original risks being done on the "backup" copy. That's an inefficient way to version, though, unless ...
by jebmke
Sat Aug 12, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 45
Views: 4286

Re: What home task(s) are worth learning to do yourself?

I highly recommend knowing where the water shutoff is. This is something you should "learn" even before a problem crops up. We have two zones in our current house but in one of our prior houses we had more zones so you could shut off part of the house. In a real pinch I can flip the breaker that fee...
by jebmke
Sat Aug 12, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 1864

Re: Backup of Sensitive Information

wassabi wrote: Arq backs up my files every hour and retains old versions in case I delete or break something.
This is a critical step. Without versioning, all one has is a mirror. Anything bad that happens on the original risks being done on the "backup" copy.
by jebmke
Sat Aug 12, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: The Ideal Renting Situation
Replies: 6
Views: 575

Re: The Ideal Renting Situation

We have a development near us that has a full range of offerings. Typical "large" homes on large lot, townhouses. They also have what I would call "cluster homes." Smaller houses, fairly close together with small yards. They offer an option to have the company that does common areas in the community...
by jebmke
Sat Aug 12, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2138

Re: Laptop suggestions pls

My wife's $1500 Windows laptop hasn't lasted 5 years and takes over 15 minutes to start. This sounds like a computer hygiene problem. I have had Windows systems run for years with no material slowdown. The last computer I "retired" was a W7 laptop that I only re-booted when updates came through. It...
by jebmke
Fri Aug 11, 2017 5:39 pm
Forum: Investing - Theory, News & General
Topic: Securities in an Insecure World...Graham
Replies: 12
Views: 1298

Re: Securities in an Insecure World...Graham

The world has been insecure since the big bang.
by jebmke
Fri Aug 11, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2223

Re: Harry Bosch: the Amazon Series vs the novels

4nwestsaylng wrote:I don't think the time line is a big thing,
Not a big deal, true. It just took me a couple of episodes to shift gears because in my mind, Harry is older in the book. Have only watched a few episodes of Season 1 but I liked it. Just don't watch much TV period anymore.
by jebmke
Fri Aug 11, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: "Bonds: Ballast for your portfolio"
Replies: 45
Views: 5459

Re: "Bonds: Ballast for your portfolio"

Exactly, you have to look at the total portfolio, not just the bond side.
by jebmke
Fri Aug 11, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: "Bonds: Ballast for your portfolio"
Replies: 45
Views: 5459

Re: "Bonds: Ballast for your portfolio"

As a result, lots of people got confused when total-market TIPS funds lost 12% in 3 months in 2008. A lot of debt markets became a bit wonky during this period. Actually, that was the time I was most concerned. Once the debt markets started working normally I was less worried even though equity sti...
by jebmke
Fri Aug 11, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2223

Re: Harry Bosch: the Amazon Series vs the novels

jimnicol wrote:Welliver wasn't my image of Bosch either, but he's grown on me...
Mine either. One problem I have is the time line. Bosch is a Vietnam vet. Welliver was born in 1961. The character in the series and the book are not the same.
by jebmke
Fri Aug 11, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2223

Re: Harry Bosch: the Amazon Series vs the novels

Jazztonight wrote:In contrast, think of Tom Cruise playing Jack Reacher,
I've not been able to read another Reacher book since.
by jebmke
Fri Aug 11, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2138

Re: Laptop suggestions pls

I have deployed approx 15 Lenovo laptops over the last couple of years. Only one issue came up with one screen which was handled by warranty replacement. I've been impressed with the hardware. We completely re-image these machines on arrival so I can't comment on their OEM software configuration. Th...
by jebmke
Thu Aug 10, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 5965

Re: What Percentage CASH are you?

lol, the current interest rate environment has been here for years.
by jebmke
Thu Aug 10, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 5965

Re: What Percentage CASH are you?

Livesoft, thanks for sharing your cash strategy. What would be your strategy for handling large expenses like a car purchase, or a wedding, or any other such large item? Or in a major markets decline period without a near cash emergency fund? I'm new to early retirement, a bit defensive, and holdin...
by jebmke
Thu Aug 10, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1765

Re: Best at Home Safe

Sure it's not fire protected, but a small cheap safe won't buy you any time. My guess is that any safe that isn't underground would not protect much in a good house fire. A friend of mine had his house burn to the ground. The contents of the "fireproof" safe contained ashes, melted jewelry (along w...