Search found 6480 matches

by jebmke
Sat Sep 23, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 35
Views: 2000

Re: Asset Allocation for mid 50 age group

SquawkIdent wrote:
Sat Sep 23, 2017 2:43 pm
Not to hijack the thread but does having a COLAd pension affect your asset allocation? Do you look at it as 1. I have a great pension let's shoot for the moon with 100% stocks or 2. I have a great pension, no need for risk so let's go 20% stock/80% bonds and cash.
Either one.
by jebmke
Sat Sep 23, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: IRS Letter
Replies: 6
Views: 551

Re: IRS Letter

A letter with POD is the way to go. I've had several of these over the years. I can usually explain things in a letter faster than I can find someone on the phone and talk them through the details. A letter also creates a record that you responded.
by jebmke
Fri Sep 22, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Questions on electronic security while traveling
Replies: 13
Views: 619

Re: Questions on electronic security while traveling

When I started this thread, I was thinking of situations like (1) you are trying to login to your airlines app to do a checkin, or (2) you are logging into a somewhat low sensitivity site like Bogleheads. I probably did not make this clear. I'm just looking for best practice examples. Most here are...
by jebmke
Fri Sep 22, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 10
Views: 1139

Re: Older or younger people travel around?

I say travel when you can and want to and stop when you don't want to or can't. I traveled a lot when I was young. Then for a while, traveled very little. Then later I shifted into high gear and traveled a lot for business and pleasure. Now, not so much.
by jebmke
Fri Sep 22, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Questions on electronic security while traveling
Replies: 13
Views: 619

Re: Questions on electronic security while traveling

CaliJim wrote:
Fri Sep 22, 2017 5:07 pm
Interesting artcle about mobile man-in-the-middle attacks.

Even HTTPS is not THAT secure.

http://www.information-age.com/what-are ... 123461071/

Again: 2 factor authentication reduces your risk. You should use it.
True but not on the same device.
by jebmke
Fri Sep 22, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Budget Approximates for medical insurance post retirement?
Replies: 4
Views: 328

Re: Budget Approximates for medical insurance post retirement?

I realize this is about as wild as an open-ended question gets, but I am looking for "budget numbers" to plug into my retirement planning for health insurance. I'm sure this can and will go all over the place. Don't forget to budget for uninsured medical items. Dental, eye glasses, hearing aids etc...
by jebmke
Fri Sep 22, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 35
Views: 2000

Re: Asset Allocation for mid 50 age group

When I was in my mid-50s I moved to about 40/60 and have stayed there since (10 years). I shifted it over a period of a couple of years prior to retiring at 55.
by jebmke
Fri Sep 22, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax breach - should I freeze my credit?
Replies: 1
Views: 187

Re: Equifax breach - should I freeze my credit?

Why not freeze it now and then arrange a time with your prospective lender to thaw it for them. I don't think the cost of a thaw is very high.
by jebmke
Fri Sep 22, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 89
Views: 4896

Re: Age you retired

55 ...
by jebmke
Fri Sep 22, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 24
Views: 1308

Re: Phone Techies .....

I use Android phones but I always buy the prior generation. I try to time it when the new one is just out and the old one is discounted. By then the hardware has been shaken out and all the bugs fixed. I am still using my LG4 and it shows no signs of obsolescence.
by jebmke
Fri Sep 22, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Questions on electronic security while traveling
Replies: 13
Views: 619

Re: Questions on electronic security while traveling

We use a personal hotspot. Does it stand up to say a VPN or a secured Wifi? It is essentially the same as using your cell phone. If your browser is using https the traffic should be encrypted from your device to the web server. What happens inside your device is highly dependent on what the device ...
by jebmke
Fri Sep 22, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Questions on electronic security while traveling
Replies: 13
Views: 619

Re: Questions on electronic security while traveling

For me, the safe route is that I don't use financial sites when I travel. I really don't have any need to. I am not confident with the security of mobile devices and I don't travel with a laptop anymore. I rarely am away from home for more than 2-3 weeks. Nothing I do on bank or brokerage sites can'...
by jebmke
Fri Sep 22, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: If you will adapt your spending, you money will last longer.
Replies: 8
Views: 1314

Re: If you will adapt your spending, you money will last longer.

The key is flexibility. If you have it, work it. We actually spent more during 2009-2010 and less in the better times following. In 2009 prices for travel and prices/availability of home improvement contractors were too good to pass up so we spent more in those years than we have in subsequent years.
by jebmke
Thu Sep 21, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund: Am I thinking about this correctly?
Replies: 31
Views: 2035

Re: Donor Advised Fund: Am I thinking about this correctly?

The difference between 0.6% and 0.1% in fees used to bother me but the fact is that I have become far more "philanthropic" having a DAF. There are "pseudo" commitments which I make each year in the same amount (since annual commitments aren't legally permitted with DAFs in the strictest sense), but...
by jebmke
Thu Sep 21, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23209

Re: Name something you had to have and now you regret purchasing it?

pechy2925 wrote:
Thu Sep 21, 2017 4:09 pm
My 55" Sony 4k TV...used it for a few months. Now it just sits there
That's why I stick with our 24 inch. Rarely used. Big one would just be in the way.
by jebmke
Thu Sep 21, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 70
Views: 6279

Re: Retirees, what is your marginal tax rate?

I have to believe it will be substantially lower in retirement when drawing $100K or so in living costs with a 7 figure after-tax investment account. You should be able to model this and get a reasonable estimate using current year tax software (speculating on tax law changes is a fools errand IMO)...
by jebmke
Thu Sep 21, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 26
Views: 1912

Re: Bonds - Ugh

The intermediate funds seem to have decent returns, my problem is their steady loss this year -... Steady loss? Isn't that fake news? VBIIX has returned at least 3.8% YTD which is great for a bond fund. VBTLX is up at least 3.15%. Short-term corp bond index is up only 2.45%. Your stable value fund ...
by jebmke
Thu Sep 21, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 47
Views: 3241

Re: VG wants everyone to transfer to a brokerage account?

Many threads. I have converted one of our accounts. Based on how we do business with VG it has not had a material impact on us one way or another.
by jebmke
Thu Sep 21, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund: Am I thinking about this correctly?
Replies: 31
Views: 2035

Re: Donor Advised Fund: Am I thinking about this correctly?

Initially, I was bothered by the "cost drag" of a DAF. However, this no longer bothers me in the least. Once I've transferred over the appreciated assets, I'm no longer paying taxes on the dividends and I no longer am concerned about any capital gains; the money isn't even technically mine anymore....
by jebmke
Thu Sep 21, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2120

Re: Time for a new laptop?

Could be a lot of things. Now that your previous issue was resolved, are you noticing any performance issue beyond the error messages? I hate to say it because I am not a fanboy, but you don't get that type of stuff with Apple products. Just for the sake of covering all the bases, I might point out...
by jebmke
Thu Sep 21, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Merging inheritance with different asset allocation
Replies: 17
Views: 1165

Re: Merging inheritance with different asset allocation

If you haven't already done so I would first try to make an objective assessment of where you want your allocation to be going forward. If necessary, park the money in short term assets long enough to do that. Then move it to the desired allocation (I have been through this twice and we moved the am...
by jebmke
Thu Sep 21, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Password Managers Single VS Multi-user / Generic question
Replies: 4
Views: 470

Re: Password Managers Single VS Multi-user / Generic question

Can I get some information about using a single user vs multi-user password manager? Having never used a PM I'm trying to learn the day to day issues. Is it possible for a couple to use a single user PM, instead of going to a family one? If it is possible, what are the downsides, besides the obviou...
by jebmke
Thu Sep 21, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Credit card recurring payment
Replies: 11
Views: 467

Re: Credit card recurring payment

and it might depend on whether you are paying the balance or the statement amount. My cards allow either one to be specified (or a fixed amount for that matter).
by jebmke
Thu Sep 21, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Credit card recurring payment
Replies: 11
Views: 467

Re: Credit card recurring payment

Jack FFR1846 wrote:
Thu Sep 21, 2017 10:10 am
Then, 4 days before it's due, check to see if the auto payment took place.
My cards will send me an email when they make the debit request; I also get a text from my bank when the debit hits.
by jebmke
Thu Sep 21, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Credit card recurring payment
Replies: 11
Views: 467

Re: Credit card recurring payment

If you are paying the statement balance, probably not. But what is the point? Why not just verify the transactions and then let the auto pay do its job? I don't do auto pay but at the beginning of the month I check the statement and schedule a payment for a couple of days prior to the due date. If I...
by jebmke
Wed Sep 20, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2120

Re: Time for a new laptop?

There are also a number of disadvantages to windows laptops, the biggest being the fact that Windows 10 is constantly "updated" for new features, making it a "work in progress" which can get buggy. Microsoft does not allow you to opt out of these features, which could even trigger a driver incompat...
by jebmke
Wed Sep 20, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2120

Re: Time for a new laptop?

I'm not the OP but a follow up question to those suggesting refresh/reformat. Do you need a copy of the OS for this? I buy my laptops used, often they do not come with software. Just curious, and it may apply to the OP as well. It depends. Most laptops sold nowdays have a built in factory reset pro...
by jebmke
Wed Sep 20, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: replace freon???
Replies: 17
Views: 1135

Re: replace freon???

The old refrigerant could be contaminated with "non-condensables" such as air or water vapor. This happens from prior less-than-stellar service techniques. These contaminants do not compress well so they put extra strain on the compressor, because it has to work harder at higher pressures. So the s...
by jebmke
Wed Sep 20, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2120

Re: Time for a new laptop?

Would also be helpful to know how the system is used. If all I did was browsing and very simple "office type" work I would look seriously at a Chromebook and do all the office work in the cloud.
by jebmke
Wed Sep 20, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2120

Re: Time for a new laptop?

Five years isn't that old. I have plenty of laptops that are a lot older in use at my TaxAide sites. It is unclear from your post where the system stands now in terms of OS. Did you revert back to Windows 7? Before chucking the whole laptop I would try a clean install of whichever OS I wanted to run...
by jebmke
Wed Sep 20, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 1221

Re: Vanguard total us dividend for Sept?

One also should understand the differences between Declaration Date, Record Date, ex-Dividend Date, Payable Date, and Today's Date. or train yourself not to care. There is no evidence that I have seen that VG has ever failed to pay a quarterly or even a monthly dividend that was the norm for the fu...
by jebmke
Wed Sep 20, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve September 2017 meeting
Replies: 5
Views: 746

Re: Federal Reserve September 2017 meeting

usually stocks fluctuate a bit when the Fed meets.
by jebmke
Wed Sep 20, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 1221

Re: Vanguard total us dividend for Sept?

They are always posted to my account by the end of the month (quarter end). Have never seen them miss.
by jebmke
Tue Sep 19, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Can I have 2 HSA accounts
Replies: 4
Views: 397

Re: Can I have 2 HSA accounts

You can each have an HSA. The maximum contribution applies to the total. Actually you can each have as many accounts as you want as long as you stay within the contribution limits and meet all the other criteria. It is like IRAs -- "Individual" and the IRS treats multiple accounts as one. Edit - unl...
by jebmke
Tue Sep 19, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 33
Views: 1974

Re: measurement of success of investment(s)

The only things I keep track of now are unrealized gains and losses in taxable, allocation balance and whether the total is enough to get me to the end.
by jebmke
Tue Sep 19, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Finding contractor for small-ish, hourly job (deck carpentry)
Replies: 19
Views: 999

Re: Finding contractor for small-ish, hourly job (deck carpentry)

Like others have said, the economy is strong and any sort of handyman or contractor are booked up into next year in my area. I should know as I have spent the last six months trying to get a quote on an addition to my house and only have one after all this time and it was definitely, if I am going ...
by jebmke
Tue Sep 19, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Data-driven individual stock approach
Replies: 28
Views: 1306

Re: Data-driven individual stock approach

My wife was a portfolio manager managing primarily small and mid-cap value portfolios. It was a full time job. She was paid well for it so you would have to impute some income for your labor and subtract that from your investment returns to measure the success of the strategy. In her case the cost o...
by jebmke
Tue Sep 19, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund: Am I thinking about this correctly?
Replies: 31
Views: 2035

Re: Donor Advised Fund: Am I thinking about this correctly?

What is the difference between your marginal rate this year and your marginal rate most years? Just because the absolute tax amount is higher this year, it may not save you more to pull-forward future donations if the marginal rates aren't all that different. Keep in mind that by investing the mone...
by jebmke
Tue Sep 19, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Finding contractor for small-ish, hourly job (deck carpentry)
Replies: 19
Views: 999

Re: Finding contractor for small-ish, hourly job (deck carpentry)

123 wrote:
Tue Sep 19, 2017 10:21 am
Sometimes local Ace Hardware stores have a message board posted in their stores where handymen may post a business card indicating their availability.
Building supply distributors also - they can steer you to someone who fits the job. They typically know the locals and what they can and can't do.
by jebmke
Tue Sep 19, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Finding contractor for small-ish, hourly job (deck carpentry)
Replies: 19
Views: 999

Re: Finding contractor for small-ish, hourly job (deck carpentry)

I think what you have discovered is that everyone is booked up and small jobs aren't of interest. Despite what you sometimes hear in the media, the economy is strong and there is a shortage of skilled labor. Our strategy is to try to do as much as possible during recessions. We spent a lot of money ...
by jebmke
Tue Sep 19, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: CDs and Required Minimum Distributions
Replies: 11
Views: 754

Re: CDs and Required Minimum Distributions

If you don't have them scheduled to mature when you are forced to take the RMD you would have to sell, I think. The R in RMD means required. If I had CDs in my IRA I would schedule the maturity to match the RMD amount (maybe a little over - if there was a bit of excess coming due I'd just park it in...
by jebmke
Mon Sep 18, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: What is the main purpose of rebalancing?
Replies: 56
Views: 4027

Re: What is the main purpose of rebalancing?

Those who continue to promote the buy low/sell high concept should probably research the subject to see if rebalancing actually accomplishes this end and is a management process to significantly increase return without taking additional risk. I would leave it as an exercise for the forum to determi...
by jebmke
Mon Sep 18, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 24
Views: 2017

Re: Ccleaner (32-bit) had malware payload with legit signed version

Weary of constant pop-ups reminding me to use it and with very little "C" to clean out lately, I removed "CCleaner" from my PC this week after using it for many years, since the days when it unabashedly used its full name. So I have no idea what version I had. I will however postpone what I had pla...
by jebmke
Mon Sep 18, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 24
Views: 2017

Re: Ccleaner (32-bit) had malware payload with legit signed version

Sigh.... What is an average consumer supposed to do if a legit download from a well known company can't be trusted? I opened up the CCleaner and it immediately told me to install an important update to ver 5.34. After the installation, I am running a full scan on the PC. Hopefully I don't need to r...
by jebmke
Sun Sep 17, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3244

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

Alexa9 wrote:
Sun Sep 17, 2017 4:01 pm
Not only that but the best doctors are generally in larger cities.
This is true in our area and will affect how long we stay in the semi-rural area where we retired 10 years ago.
by jebmke
Sat Sep 16, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: saving an edited pdf file?
Replies: 14
Views: 666

Re: saving an edited pdf file?

For Windows you can get a "print to PDF" driver that shows up as a printer option when you go to print. It creates a PDF file instead of going to a printer. This works for *any* program that can print to a printer. Just select "Print to PDF" instead of your current printer for output. This is what ...
by jebmke
Sat Sep 16, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: saving an edited pdf file?
Replies: 14
Views: 666

Re: saving an edited pdf file?

For Windows you can get a "print to PDF" driver that shows up as a printer option when you go to print. It creates a PDF file instead of going to a printer. This works for *any* program that can print to a printer. Just select "Print to PDF" instead of your current printer for output. This is what ...
by jebmke
Sat Sep 16, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: S & P broke major technical/psychological number
Replies: 21
Views: 2719

Re: S & P broke major technical/psychological number

The blue line has done well this year.
by jebmke
Sat Sep 16, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: What care services are available for elderly grandfather (MA)?
Replies: 11
Views: 633

Re: What care services are available for elderly grandfather (MA)?

I would try contacting social services in the local community. Also see if there are any Senior Centers that are nearby. They often have in-house referral capacity to help connect seniors with various services that are available in the community. In our county, for example, the Senior Center runs a ...