Search found 9281 matches

by jebmke
Wed Jul 17, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Deducting loss on a rental property
Replies: 5
Views: 256

Re: Deducting loss on a rental property

masonstone wrote:
Wed Jul 17, 2019 11:21 am
Did the new tax laws change any of this?
I don't think so. I'd take a look at the IRS instructions for Schedule E. Somewhere in there they likely explain what to do if the net profit on rental calculates to a loss.
by jebmke
Wed Jul 17, 2019 10:27 am
Forum: Personal Investments
Topic: retirement portfolio income
Replies: 8
Views: 859

Re: retirement portfolio income

So how would you handle the withdrawals if you had 5 or 6 funds? A percentage of each to give you the monthly income you need? If I had 5 or 6 accounts the first thing I’d look at is possibly consolidating as many accounts as possible to simplify. That's what I'd do. Preferably one fund but that wo...
by jebmke
Wed Jul 17, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Deck with Lattice skirt
Replies: 7
Views: 316

Re: Deck with Lattice skirt

In order to help drain water away from our foundation/crawlspace we had the space under the deck graded slightly away from the house. Then the builder laid down a heavy mylar film and gravel (actually, I think it is small river stone of some kind) ballast. I didn't want the space under the deck to b...
by jebmke
Wed Jul 17, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: Do you care about your home appreciating?
Replies: 77
Views: 3560

Re: Do you care about your home appreciating?

I guess I care in a clinical sense. I know our current house is under water because we bought it in 2007. When I was working I always negotiated a 2-year "no loss" agreement with every move. Because values rarely dropped much for long back then I never had to invoke it.
by jebmke
Tue Jul 16, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3465

Re: From ex-dividend to distrubution where is my money?

I think the OP is really just wondering why there is a delay beween ex-div and payment. That's a reasonable question, and one that's certainly been lost in the back and forth over relationship between dividend and stock price. I have no idea why it can take 3+ weeks, and I'd also be curious what st...
by jebmke
Tue Jul 16, 2019 8:43 am
Forum: Forum Issues and Administration
Topic: Suggestion: Approx. or ca. rather than tilde ~
Replies: 12
Views: 608

Re: Suggestion: Approx. or ca. rather than tilde ~

Here’s a suggestion that I will try to also do: let’s use “approx.” or “approximately” or “ca.” to indicate approximation rather than a tilde (~). I’m old, and my phone screen is small, and I hate to squint to see if ~100 means negative 100 or approximately 100. Maybe a cataract surgery is in your ...
by jebmke
Tue Jul 16, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Amended 1040X
Replies: 7
Views: 396

Re: Amended 1040X

michaeljc70 wrote:
Tue Jul 16, 2019 8:13 am
I made a very small correction in March and just got the letter confirming it yesterday.
That sounds about right - about 15-16 weeks?
by jebmke
Mon Jul 15, 2019 5:51 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3465

Re: From ex-dividend to distrubution where is my money?

I leaglly owned the stock on July 9th when the value dropped by the cost of the dividend. Verizon moves my money from stock to cash and takes three weeks to reinvest it. What does this even mean? They sit on a pile of cash and distribute it at their discretion, on the date they promised to pay it. ...
by jebmke
Mon Jul 15, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Amended 1040X
Replies: 7
Views: 396

Re: Amended 1040X

Once a return needs human handling it takes a long time. They don't have many people left at the IRS.
by jebmke
Mon Jul 15, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Liquid solar blanket for inground pool?
Replies: 4
Views: 485

Re: Liquid solar blanket for inground pool?

Has anyone used a "liquid solar blanket" for their inground pool? Do they work? Any insights or recommendations would be greatly appreciated! Regards, CharlesHugh Are you trying to keep the heat in or out? :P Our pool is increasingly becoming unusable for much of the summer because the water gets t...
by jebmke
Mon Jul 15, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2285

Re: Baking in the summertime?

Maybe he is concerned that two high power appliances will overburden his wiring. more likely, just means it doesn't make sense to pay to inject heat on one end and pay to remove it on another. We rarely use the oven in summer. If we need something "roasted" it goes on the grill. More likely than no...
by jebmke
Mon Jul 15, 2019 2:26 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3465

Re: From ex-dividend to distrubution where is my money?

is SPY an operating company? If so, they have no obligation to pay a dividend at all. SPY is la Registered Investment Company, and RICs have to pay out their income as dividends each year. There seems to be a mixing in the discussion between RICs and operating companies that is causing a lot of con...
by jebmke
Mon Jul 15, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3465

Re: From ex-dividend to distrubution where is my money?

is SPY an operating company? If so, they have no obligation to pay a dividend at all.
by jebmke
Mon Jul 15, 2019 11:27 am
Forum: Personal Investments
Topic: Bonds in Tax Deferred vs Munis in Taxable?
Replies: 14
Views: 886

Re: Bonds in Tax Deferred vs Munis in Taxable?

Plus the deferred account are forced to distribute and QCDs only get you so far.
by jebmke
Mon Jul 15, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3465

Re: From ex-dividend to distrubution where is my money?

Yes they have revenue of $130 billion a year. Somehow they sell value of shares and not shares themselves. It must be creative booking where the money comes from. Not sure I follow where you are coming from. VZ is an operating company. At the end of 2018 they had $3.8 billion of cash on hand. Their...
by jebmke
Mon Jul 15, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3465

Re: From ex-dividend to distrubution where is my money?

J G Bankerton wrote:
Mon Jul 15, 2019 10:30 am
Where does Verizon get the money from and where is it for three weeks.
They earn it selling products and services.
by jebmke
Mon Jul 15, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Amended 1040X
Replies: 7
Views: 396

Re: Amended 1040X

12-16 weeks would not be uncommon with paper returns. I didn't resolve my 2009 return until mid-2012 but it got delayed because they lost my entire file and had to start over.

Any time you get in a cycle where a person is involved, each cycle can take a couple of months.
by jebmke
Sun Jul 14, 2019 10:49 pm
Forum: Personal Investments
Topic: Bonds in Tax Deferred vs Munis in Taxable?
Replies: 14
Views: 886

Re: Bonds in Tax Deferred vs Munis in Taxable?

If you invest in tax efficient equity funds like index funds in a taxable account, most of the gains are going to be deferred anyway as unrealized capital gains. Along the way you will likely have a chance to tax loss harvest, building up carryover tax losses that might defer the gains even longer o...
by jebmke
Sun Jul 14, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3465

Re: From ex-dividend to distrubution where is my money?

On a total side note, my megacorp used to pay their dividend to us stockholders in the 401K on the ex-dividend date. We were getting our dividend in the form of company stock at the price at the end of the day on the ex-dividend date. Now that our 401K is managed by Fido, we get it on the pay date....
by jebmke
Sun Jul 14, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting IRA income in H&R Block (formerly TaxCut) software
Replies: 7
Views: 239

Re: Reporting IRA income in H&R Block (formerly TaxCut) software

Page 29 of the 1040GI explains the exceptions. Otherwise, 4a should be blank. A couple of the more likely exceptions one might encounter is a rollover or if your IRA distribution includes non-deductible contributions coming from F8606.
by jebmke
Sun Jul 14, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting IRA income in H&R Block (formerly TaxCut) software
Replies: 7
Views: 239

Re: Reporting IRA income in H&R Block (formerly TaxCut) software

I have only done preliminary draft returns on HRB (Deluxe). One inherited IRA and one pension. 4a is blank (instructions say it should be blank except under certain exceptions, which I did not read). 4b includes the total of both since there is no basis in the IRA and the pension is fully taxable. S...
by jebmke
Sun Jul 14, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at account to get used to fluctuations?
Replies: 15
Views: 732

Re: Looking at account to get used to fluctuations?

if you know what you are invested in, you should have a pretty good idea of the volatility in your holdings based on what happens in the markets.
by jebmke
Sat Jul 13, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 27
Views: 1415

Re: Standard Car Key Battery Life for Late Model Vehicles

I replaced the battery on my 2008 RAV4 earlier this year.
by jebmke
Sat Jul 13, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 54
Views: 3887

Re: "Objective" Importance of Keeping Your Physicians?

dm200 wrote:
Sat Jul 13, 2019 3:05 pm
Yes - I admit that switching physicians can have some practical challenges - such as moving records, etc. [let's hope electronic records will help in the future]
Another issue around my area is finding someone who is taking new patients. That can be a real challenge.
by jebmke
Sat Jul 13, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 54
Views: 3887

Re: "Objective" Importance of Keeping Your Physicians?

Through this time in my life (I'm 47), primary care physicians have been a complete and utter waste of time and money. Assuming I go once a year (which I don't), I see the doctor for all of 30 seconds per visit. Surely that isn't a "relationship" because I don't even remember her name off the top o...
by jebmke
Sat Jul 13, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 54
Views: 3887

Re: "Objective" Importance of Keeping Your Physicians?

I have mine trained; it took a while so I don't want to re-train another one.
by jebmke
Sat Jul 13, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3422

Re: How to encrypt Cloud backups?

Seems like a lot of complicated suggestions. Is there something wrong with something like idrive? Seems to do it all fairly simply. Own encryption key. Incremental backup. Versioning. iDrive works quite well. I have been using the free version for a portion of my files for a year and a half. I have...
by jebmke
Fri Jul 12, 2019 2:26 pm
Forum: Investing - Theory, News & General
Topic: Timing the market
Replies: 28
Views: 1686

Re: Timing the market

StandingRock wrote:
Fri Jul 12, 2019 1:08 pm
owenmia wrote:
Fri Jul 12, 2019 12:04 pm
It seems like I should sell all my VOO, wait three months for the crash, then go back in.
October 12th, I marked it on my calendar.
That's a Saturday. In addition to my being out of town, I think the market will be closed. Can we do this on the 14th?
by jebmke
Fri Jul 12, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3422

Re: How to encrypt Cloud backups?

Do DropBox or Google Drive keep previous versions of your container *indefinitely*? Could one retrieve the version of a file from (say) 2015? Indefinite versioning is a hard spec for me. I am pretty sure that SpiderOak provides indefinite and unlimited versioning. I'd have to check iDrive to be sur...
by jebmke
Fri Jul 12, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: A good name for a donor advised fund
Replies: 25
Views: 1361

Re: A good name for a donor advised fund

When I make a donation, some charities hound me with requests for further donations, or invite me to fundraising events. I wish they wouldn't. I am going to establish a donor advised fund. I suppose it is best to choose a name other than my own? How do people with DAFs choose names? Thanks! Just ma...
by jebmke
Fri Jul 12, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: How to park in northern Europen countries?
Replies: 29
Views: 2012

Re: How to park in northern Europen countries?

I worked in Europe for about 4 years. In many cases, urban hotels had limited parking and I would need to park in a nearby garage and hoof it to the hotel if their small parking area was full. Whenever it was practical I found that it was easier to travel on inter-city rail and use local mass transi...
by jebmke
Thu Jul 11, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Why Is Cord Not Included?
Replies: 32
Views: 3831

Re: Why Is Cord Not Included?

local codes could also be different, as some cities may allow a plug into a receptacle while others might require the appliance be hardwired. Yes; we have moved a lot and sometimes have to swap out a plug-end cord for a hardwired one -- or vice versa. When we were moving a lot I kept all the cords ...
by jebmke
Thu Jul 11, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Question about dental insurance
Replies: 4
Views: 368

Re: Question about dental insurance

In my experience, the bill should be processed based on the procedure date (2018). Insurance companies normally reserve for run-off claims that are submitted after the end of the contract but representing liabilities incurred as of the end date.
by jebmke
Thu Jul 11, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1614

Re: Recommendations for binoculars

8x42 seems to be the sweet spot although I know some people have found that 8x32 with high end glass like Zeiss and Leica can be as effective as the 42s. Some of my friends who are real hardcore also carry 10x in their car (plus a scope) for looking at shorebirds and waterfowl which tend to be large...
by jebmke
Thu Jul 11, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1614

Re: Recommendations for binoculars

I use binoculars for birding and travel. the best are generally Leica, Zeiss, and Svarovski but that is not what you are looking for. I suggest you go with Nikon or Pentax. They are reliable and relatively inexpensive with numerous models. I would get compact binoculars such as 8x25-30. Otherwise t...
by jebmke
Thu Jul 11, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance - over insured
Replies: 9
Views: 923

Re: Home insurance - over insured

Recently, I bought a second home. I got a very good deal, honest! USAA sent an appraiser out to look at the house. I told the appraiser I only wanted to insure the house for what I have into it. He tried his best and the appraisal come in at 2.5x the price I paid for the house. Hence, good deal may...
by jebmke
Thu Jul 11, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 69
Views: 5201

Re: (Tall) Buyer Beware: Honda Accord.

We're thinking about buying a Honda CRV - any tall people have similar issues? My wife has a Honda CRV, and the seats are not comfortable to me. I am 6 feet tall, 170 pounds, and the seat bottoms are too short to provide much thigh support for me. I have a friend who has a CRV and I ride in the pas...
by jebmke
Wed Jul 10, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1614

Re: Recommendations for binoculars

but I think for the OP binoculars like Monarchs would be more than sufficient, maybe even overkill. Agree completely. I've been thinking of picking up a pair (Monarch or similar) in the 8x25-8x30 range to keep in the car and/or for hiking (when birding isn't primary goal). Even though Leupold is fa...
by jebmke
Wed Jul 10, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1614

Re: Recommendations for binoculars

As a binocular neophyte (but very used to pro hi-def video lenses) I bought a pair of Monarchs and was a bit disappointed with the glass. If you try the Monarchs and then try a high end like Swarovsky, Leica, Zeitz the difference is quite noticeable. Monarch isn't bad for general purpose but it doe...
by jebmke
Wed Jul 10, 2019 3:54 pm
Forum: Investing - Theory, News & General
Topic: Retiring Early Correlates with Greater Longevity ?
Replies: 47
Views: 4583

Re: Retiring Early Correlates with Greater Longevity ?

here is what a Fox Business News contributor had to say the other day about retirement “What a great country where we have the opportunity to keep working,” Luskin enthusiastically exclaimed. “What a miracle where our lives are long enough and we’re healthy enough and mentally alert enough so we don...
by jebmke
Wed Jul 10, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1614

Re: Recommendations for binoculars

Just an additional piece of advice. Different manufacturers have different design criteria for things like eye relief and inter-pulillary distance. These differences can mean the difference between one pair being unusable and one being excellent -- even though both are the same quality of binocular....
by jebmke
Wed Jul 10, 2019 1:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120183

Re: S&P 500 hit 3,000 today

might be a good day to re-balance a bit. I am fresh out of loss carry-forwards so no more re-balancing on the upside for me. Do not let the taxes dictate your rebalancing move. Paying taxes for your profit is not a bad thing. The market could crash later this year to offset your gains. KlangFool I ...
by jebmke
Wed Jul 10, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Drive to Olympic National Park from Midwest
Replies: 25
Views: 1651

Re: Drive to Olympic National Park from Midwest

If you intend to do any backcountry hikes, you should be aware that Olympic National Park trailheads tend to sit at the end of 10-mile-plus drives up forest roads. They're very efficient at landing scrapes and scratches on cars. I was thinking the same thing. Some of the best trailheads are at the ...
by jebmke
Wed Jul 10, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120183

Re: S&P 500 hit 3,000 today

might be a good day to re-balance a bit. I am fresh out of loss carry-forwards so no more re-balancing on the upside for me. Do not let the taxes dictate your rebalancing move. Paying taxes for your profit is not a bad thing. The market could crash later this year to offset your gains. KlangFool I ...
by jebmke
Wed Jul 10, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120183

Re: S&P 500 hit 3,000 today

DaftInvestor wrote:
Wed Jul 10, 2019 9:02 am
might be a good day to re-balance a bit.
I am fresh out of loss carry-forwards so no more re-balancing on the upside for me.
by jebmke
Wed Jul 10, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120183

Re: S&P 500 hit 3,000 today

now I can increase the tip for my haircut again.
by jebmke
Wed Jul 10, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: SALT benefits couples to remain unmarried
Replies: 11
Views: 1479

Re: SALT benefits couples to remain unmarried

oldfatguy wrote:
Wed Jul 10, 2019 7:44 am
airahcaz wrote:
Wed Jul 10, 2019 6:52 am
Isn’t the new deductions limit a reason for single couples to remain unmarried?
It is one of several thousand factors that should be considered.
"Sorry honey, the wedding is off until 2026" :P
by jebmke
Tue Jul 09, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: unknown purchase price
Replies: 6
Views: 779

Re: unknown purchase price

The first thing I do is figure out if it matters. Often a taxpayer is in a zero capital gains bracket and using zero for a tax basis has no impact on the return. Otherwise, as Gill suggests, make a reasonable estimate.
by jebmke
Tue Jul 09, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1614

Re: Recommendations for binoculars

These may be more than you are looking to pay but the Nikon Monarch 5 8x42 is a very good binocular that you can pick up for around $240. Amazon link --- https://www.amazon.com/Nikon-7576-MONARCH-Binocular-Black/dp/B00C66C950 Those are good value. For hiking, to save on weight and bulk, I'd look at...
by jebmke
Tue Jul 09, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property - taxes
Replies: 41
Views: 2092

Re: Selling a rental property - taxes

Well, bad news. You will owe depreciation recapture whether you claimed it or not since turning it into a rental. I.E. you should have been claiming it! That's also based off what the house was worth when turned into a rental divided by 27.5 (years). The value of the land would be subtracted from t...