Search found 9725 matches

by jebmke
Wed Nov 13, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Version 1909
Replies: 3
Views: 275

Re: Windows 10 Version 1909

The Windows 10 Fall update for this year, version 1909, has been released. I tried to install it on 3 Dell Windows 10 Professional desktops. It was an easy and simple install on two Windows 10 Dell desktops that were 6 and 10 years old. The newer machine, about 2 - 3 years old is being stubborn and...
by jebmke
Tue Nov 12, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 47
Views: 2668

Re: Blankets/Bedding for Cold Winter Nights

I like a cold bedroom but a warm bed. What has worked well for decades is using an electric blanket between the top sheet and a comforter, turned on about two hours before bedtime to warm it. Then it can be turned off. Its also great to nap on when its turned on. Wool blankets are nice but not only...
by jebmke
Mon Nov 11, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4104
Views: 1170284

Re: What Book Are You Currently Reading? Part VI

Dave55 wrote:
Sat Nov 09, 2019 10:17 am
"Live By Night" by Dennis LeHane. 1920's gangsters, in Boston, was also made into a film with Ben Affleck. As with all Dennis LeHane's work, very well written, page turner.


Dave
This was a good one. Book 2 in trilogy. I actually thought "The Given Day" (Book 1) was the best of the three.
by jebmke
Mon Nov 11, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1028

Re: Mobile finance apps - do you use them?

I do not need them so I don't use them. I only go into the institutions 1-2 times per month and it would be rare for me to be gone for more than 7-10 days.
by jebmke
Sun Nov 10, 2019 5:08 pm
Forum: Investing - Theory, News & General
Topic: Expected Return For Bond Funds
Replies: 11
Views: 1189

Re: Expected Return For Bond Funds

The SEC yield is fine and dandy unless bonds in the fund default. This is an issue with High Yield Bond Funds and could be an issue with funds holding corporate bonds with lower ratings should their ratings drop out of the Investment Grade class. Wouldn't the bonds be prices based on some expectati...
by jebmke
Sat Nov 09, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: When to move to FL? (tax implications and more)
Replies: 13
Views: 1438

Re: When to move to FL? (tax implications and more)

Pretty sure these could shed light on your questions: https://www.revenue.wi.gov/DOR%20Publications/pb122.pdf (Tax information of non- and part-year residents) https://www.revenue.wi.gov/Pages/Form/2018Individual.aspx (general forms for individuals) https://www.revenue.wi.gov/TaxForms2017through201...
by jebmke
Mon Nov 04, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any danger in having all my retirement in Vanguard?
Replies: 17
Views: 1484

Re: Any danger in having all my retirement in Vanguard?

We consolidated everything at Vanguard when I retired and I finally rolled my Fidelity 401(k). No concerns.
by jebmke
Sat Nov 02, 2019 5:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1895
Views: 196966

Re: U.S. stocks continue to soar!

Bluce wrote:
Sat Nov 02, 2019 4:27 pm
Dang, I can't live without bacon. Imma headin' to the store tomorrow and stock up.
Actually, there is a glut of bacon on the market. Classic by-product problem. China doesn't consume much bacon so when they import pork from the US there is a lot of surplus bacon.
by jebmke
Sat Nov 02, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2658

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

The strong US dollar should make imported wines less expensive, no? yes; too early in the morning. I have been focusing a lot on the tariff battles with US-EU. My old company (NL-based) is looking for help transitioning from US suppliers to other countries to get ahead of the curve and my mind was ...
by jebmke
Sat Nov 02, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2658

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

Part of the issue is that the USD is strong.

For semi-dry I normally look to Germany, Austria and Alsace. You should be able to find something under $20. A $15 cut-off is more challenging unless a store is running a special.
by jebmke
Fri Nov 01, 2019 5:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1895
Views: 196966

Re: U.S. stocks continue to soar!

*deep breath* Do you smell that? I love the smell of the soaring S&P 500 index in the morning...it smells like freedom. Always have to remind myself how fleeting it is. I remember hitting a high (all time, at the time?) in October, 2007. I retired two months later (schedule set much earlier) at the...
by jebmke
Fri Nov 01, 2019 2:46 pm
Forum: Personal Investments
Topic: Best type of professional for tax strategy?
Replies: 7
Views: 1048

Re: Best type of professional for tax strategy?

Gill's advice is good. I'd also add that tax strategies often integrate with estate plans so depending on your asset plans, finding a firm that can offers estate planning and has lawyers trained in taxation would be an advantage.
by jebmke
Fri Nov 01, 2019 10:40 am
Forum: Personal Investments
Topic: Sold half of my IRA bond holdings, bought 3 yr. CD
Replies: 6
Views: 592

Re: Sold half of my IRA bond holdings, bought 3 yr. CD

About a year ago I moved a significant chunk of ROTH and traditional IRA money from Investment Grade to 2 year CDs and Treasury notes. I think the rate was around 3% at the time. But, I am also changing my game plan on equity -- I plan to let the equity percentage rise indefinitely and will no longe...
by jebmke
Thu Oct 31, 2019 10:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2516
Views: 463127

Re: What are you up YTD? [Year To Date]

abuss368 wrote:
Thu Oct 31, 2019 5:53 pm
I am somewhat surprised how many Bogleheads calculate or track performance.
I almost never look backward. I've found it difficult to affect prior performance.
by jebmke
Thu Oct 31, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Accumulate Annual Gift??
Replies: 8
Views: 621

Re: Accumulate Annual Gift??

you can give money to your children whenever you want to. Making a mental accounting doesn't get you around the gift tax/reporting requirements, if any.
by jebmke
Thu Oct 31, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: APC power backup for extended outages
Replies: 29
Views: 1324

Re: APC power backup for extended outages

I don't understand people who live in an area with an unreliable grid and don't have a generator. Get a Honda 2kW inverter generator or a Harbor Freight knockoff, if money is an issue. Dumb question: is it advisable to run the Honda 2kW generator indoor? Only if you want to collect on your life ins...
by jebmke
Thu Oct 31, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: APC power backup for extended outages
Replies: 29
Views: 1324

Re: APC power backup for extended outages

I have a CyberPower UPS system that backs up my router, a switch and the cable modem. The cable modem has a small battery of its own. Our ISP generally stays up pretty long during power outages because there are extensive battery systems that kick in. A lot depends on the incident. If a tree takes o...
by jebmke
Wed Oct 30, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3434

Re: Part D - thinking of shifting to Walmart

Thanks all for the info so far. Fortunately there is still a lot of time to sort this out.
by jebmke
Tue Oct 29, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: How should the conversion part of a backdoor Roth process be coded on a 1099?
Replies: 2
Views: 194

Re: How should the conversion part of a backdoor Roth process be coded on a 1099?

If you are under 59.5 I think this gets coded "1"

If you are 59.5+ it would be coded 7.

The full amount will be in Box 1 and 2a and the form will have the box checked as "Taxable Amount Not Determined"
by jebmke
Tue Oct 29, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3434

Re: Part D - thinking of shifting to Walmart

pharmacy's hours which were narrower than that of the rest of the store As far as I can tell, this is true for every pharmacy in my area. But I should look at the hours for various ones in the area and see if there is much variability. I also like the online renewal feature at CVS - easier than cal...
by jebmke
Tue Oct 29, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3434

Re: Part D - thinking of shifting to Walmart

Note, there may be more than one Humana Plan, i.e., saver vs select or whatever, with different preferred pharmacies. Yes there is. I am looking for the lowest total cost. My front-end benefit system for retirees provides a full listing with detail on all plans ranked by estimated total cost (Premi...
by jebmke
Tue Oct 29, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3434

Part D - thinking of shifting to Walmart

I currently have a part D plan that has CVS as preferred pharmacy. My companies retiree front end (Via Benefits) is finally working well and shows a variety of plans that are lower cost (I use almost no Rx). The best deal is a Humana plan with Walmart as the preferred pharmacy. Does anyone have any ...
by jebmke
Tue Oct 29, 2019 9:09 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4370

Re: No more Vanguard... wow

More information to come out over the next few weeks, just surprised that Vanguard was dealt out, this same thing happened to TIAA 20 years ago here. I just assumed The University was happy with Vanguard. This is a big win for Fidelity, we have 20,000+ employees. Could depend on the margin for this...
by jebmke
Tue Oct 29, 2019 8:58 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4370

Re: No more Vanguard... wow

They may also offer non-Fidelity funds even though Fidelity will be acting as the custodian. My "Fidelity" 401(k) had some non-Fidelity index funds with ER of .04 -- and this was back in the 2007 time frame before I retired. The Fidelity netBenefits interface is pretty good.
by jebmke
Tue Oct 29, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4299

Re: New Computer with or without SSD?

gips wrote:
Tue Oct 29, 2019 7:41 am
set the comparability mode of the program to win 7. If that doesn’t work, you can emulate win 7 on win 10.
or run W7 in a virtual machine.
by jebmke
Tue Oct 29, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4299

Re: New Computer with or without SSD?

If I were to get one today, I'd probably go with SSD and regular disk. I have a newish desktop with only a traditional disk. The traditional disk probably boots more slowly but this is only once a month when I apply MS updates. If I had to choose between an SSD and larger main memory, I'd go for the...
by jebmke
Mon Oct 28, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Roth vs Roth Brokerage
Replies: 11
Views: 656

Re: Roth vs Roth Brokerage

Yes, both types of accounts "still work" - if that's what you're asking.
by jebmke
Mon Oct 28, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs Roth Brokerage
Replies: 11
Views: 656

Re: Roth vs Roth Brokerage

I had 1/2 dozen IRA accounts each for myself and my wife. Nearly all got converted to Roth. Then Vanguard talked us into the new brokerage platform. At that point, I realized that there was no longer any reason to maintain separate Roth IRA accounts, because there was no longer any need to track ba...
by jebmke
Mon Oct 28, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: [Want to convert IRA to Roth - have tax questions]
Replies: 4
Views: 95

Re: Downloading Cost Basis information at VBS

Maryannesk - If you need to file past years’ Form 8606s, as you go through the process consider creating a folder of the records the IRS suggests you maintain to support your IRA basis per the Instructions to Form 8606 p.6 (such as 1040 pages, Form 8606s, Form 5498s and 1099Rs) for each non-deducti...
by jebmke
Mon Oct 28, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI - ORDINARY Dividends
Replies: 2
Views: 313

Re: ACA MAGI - ORDINARY Dividends

Qualified dividends are a subset of ordinary dividends. IE, qualified + not-qualified = Ordinary.
by jebmke
Mon Oct 28, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: [Want to convert IRA to Roth - have tax questions]
Replies: 4
Views: 95

Re: Downloading Cost Basis information at VBS

I have a question about this too - I started my Traditional IRAs in the mid 80's and now am retiring. Roth IRAs were not available at the time and by the time they were available, I was making too much. Now, I would like to convert my Traditional IRAs to Roths. My IRAs were formed by me mailing aft...
by jebmke
Mon Oct 28, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard advertising
Replies: 14
Views: 1318

Re: Vanguard advertising

StandingRock wrote:
Mon Oct 28, 2019 7:57 am
Hockey10 wrote:
Mon Oct 28, 2019 7:50 am
I have noticed more Vanguard ads on the internet recently.
Might be the cookie monster stalking you.
This is why I use a separate browser for financial stuff, separate one for email/calendar and a third for general browsing.
by jebmke
Sun Oct 27, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Part D Drug Plan - chemotherapy drugs not covered?
Replies: 10
Views: 1216

Re: Part D Drug Plan - chemotherapy drugs not covered?

have you checked to see if it is covered under A or B, depending on how it is administered?
by jebmke
Sun Oct 27, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Downloading Cost Basis information at VBS
Replies: 12
Views: 738

Re: Downloading Cost Basis information at VBS

I was able to cut and paste the screen into a spreadsheet. Minimal reformatting to make usable.
by jebmke
Sun Oct 27, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship clients no longer have a personal rep
Replies: 48
Views: 3972

Re: Flagship clients no longer have a personal rep

fourwheelcycle wrote:
Sun Oct 27, 2019 11:02 am
but the one that bugs me is the loss of free TurboTax.
That is a $20-25 benefit, tops. Hard to get excited about it. A lot of people get HR Block essentially free by taking advantage of the Amazon rebate offer that HRB offers every year.
by jebmke
Sun Oct 27, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship clients no longer have a personal rep
Replies: 48
Views: 3972

Re: Flagship clients no longer have a personal rep

I haven't had to call my rep in many years. Normally if I have a question I send and email and they get right back to me. That way I have a transcript of their answer.
by jebmke
Sun Oct 27, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4236

Re: Is this new to engineering job hunting?

Not unusual to have a layer of contractors in the work force for flexibility. When I was working we used to do this through a third party so the person was employed by a third party. Especially when the economy was starting to slow and there was a risk of decline, we wanted the flexibility to reduce...
by jebmke
Sun Oct 27, 2019 1:06 pm
Forum: Personal Investments
Topic: Vanguard system problem: buy reversed
Replies: 20
Views: 1742

Re: Vanguard system problem: buy reversed

In both cases, it was a good thing (a VERY good thing!) that we do screen save/pdf's of all such confirmed transactions), as initially we were not believe. It would be impossible to truly reconcile the account without the confirmation. I had to explain this to a non-profit that I was auditing when ...
by jebmke
Sun Oct 27, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Lenovo Ideapad Laptop not charging
Replies: 9
Views: 405

Re: Lenovo Ideapad Laptop not charging

The last time this happened to me the problem was the charger had gone bad. When you plug the charger cord into the laptop does an indicator light go on or flash indicating the charger is working? That is typically what I've found with laptops. There used to be issues with laptops where you had to ...
by jebmke
Sun Oct 27, 2019 11:30 am
Forum: Personal Investments
Topic: Vanguard system problem: buy reversed
Replies: 20
Views: 1742

Re: Vanguard system problem: buy reversed

The critical point where you want the transactions correct is in the statement and the tax documents that are issued next year. They should reflect your original purchase. The online screen is interesting but not an official document.
by jebmke
Sun Oct 27, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

I would follow the advice of the posts that suggested you purchase just a 4 port wireless router for your requirements. Routers are cheap. One poster even provided a Amazon link to a Asus router for $44. I use a different model Asus router to do the same thing. The switch you posted about will also...
by jebmke
Sun Oct 27, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: "Full Health Insurance" Coverage via Medicare
Replies: 22
Views: 1816

Re: "Full Health Insurance" Coverage via Medicare

My understanding of the full (or best without any consideration given to cost) health insurance is the original Medicare + B + D + best supplement. Make sure it is PPO not HMO, also not Medicare Advantage. not always. In some areas, Medicare Advantage is quite comprehensive, lower or equal cost and...
by jebmke
Sun Oct 27, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

Given the Fail the last time this was tried, and Cox's new policy of not being able to return to the working old modem, I can't see trying to replace the modem. Even with Cox support, which failed last time, there is no guarantee a new modem would work with my laptop. Hence I'm looking for a soluti...
by jebmke
Sat Oct 26, 2019 2:16 pm
Forum: Personal Investments
Topic: Is there a pathway to purchase abandoned city property?
Replies: 1
Views: 323

Re: Is there a pathway to purchase abandoned city property?

I'd start by seeing if the city has a business development manager/office. My town isn't large but we have one. If you contact them, they might help you navigate the rest of the city organization.
by jebmke
Sat Oct 26, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Question re Limits on a Non-Profit's Political Activities
Replies: 4
Views: 260

Re: Question re Limits on a Non-Profit's Political Activities

This is typical. Many organizations are set up this way. The (c)(3) cannot engage in certain political activities. But the non-(c)(3) can certainly seek tax funding. Our library has multiple TE companies - at least two (c)(3) entities and their main operational one. Not sure what section most non-(c...
by jebmke
Sat Oct 26, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

Yes connecting your cable modem to the netgear switch will then allow you to connect 4 other devices. They all should pick up an IP address from the cable modem and get out to the internet. Do most ISPs serve up more than one IP address to residential customers? I know mine does not but it is a sma...
by jebmke
Sat Oct 26, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

Yes connecting your cable modem to the netgear switch will then allow you to connect 4 other devices. They all should pick up an IP address from the cable modem and get out to the internet. Do most ISPs serve up more than one IP address to residential customers? I know mine does not but it is a sma...
by jebmke
Fri Oct 25, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 3740

Re: Is Google Drive enough for me?

All this paperless stuff is going to come back and haunt us one of these days. If there are no more paper copies of photos and documents, couldn't generations of records be wiped out instantly by something like a gamma ray burst or magnetic radiation? or zombies Probably more risk of a house fire o...
by jebmke
Fri Oct 25, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 3740

Re: Is Google Drive enough for me?

OK that makes sense. Then just make settings such that new files get transferred to G drive but deleted files don't get deleted from G drive? That helps some. But if you are updating files like changing an database file, you keep writing over the old version. If you ever need to go back and see one...
by jebmke
Fri Oct 25, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 3740

Re: Is Google Drive enough for me?

They why delete it in the first place? Isn't the G drive for backing up your computer drive? If you delete the file on the computer because you don't want it anymore, why would you want it on the G drive? The deletion may have been made in error. I don't use G drive as a backup but in my backup sys...