Search found 7982 matches

by jebmke
Tue Jul 17, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on taxable account in early retirement
Replies: 9
Views: 818

Re: Quick question on taxable account in early retirement

If you are married, both under age 65 and filing jointly and taking a standard deduction I think you can have up to $101,200 without paying any tax (assuming no other income).
by jebmke
Tue Jul 17, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 27
Views: 1161

Re: Wills

Here are some considerations that may or may not apply to you. If your estate is large or your financial matters are significantly complex, you may want a firm that has attorneys with tax expertise. We targeted finding a firm is large enough and have enough depth to provide continuity down the road....
by jebmke
Tue Jul 17, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 78
Views: 8032

Re: Amazon Prime Day 2018

I just want to remind everyone that just because something is on "sale" doesn't mean you are obligated to buy if you never needed it in the first place. Carry on. My wife says this doesn’t apply to shoes. Rick Ferri Shoes are a remarkable business. Despite the fact that we only have two feet, deman...
by jebmke
Mon Jul 16, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 25
Views: 1295

Re: Passport expiration time rules for France

It is so annoying and illogical.First of all,my passport is valid and has not expired,so why can’t I get on the plane?Gee,my CA.drivers license expires in January,so I can’t drive in December? Are there any other examples where a person cannot use a valid license or card because it expires at a fut...
by jebmke
Mon Jul 16, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 78
Views: 8032

Re: Amazon Prime Day 2018

Finally got in. New Kindle Paperwhite. Old Kindle starting to get wonky. I think it is over 10 years old so I guess it is time.
by jebmke
Mon Jul 16, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 78
Views: 8032

Re: Amazon Prime Day 2018

Their site seems to have croaked. Maybe next year.
by jebmke
Sun Jul 15, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4270

Re: FireCalc: How big a grain of salt?

Reading through this thread, I am beginning to wonder how anyone retires without a constant fear of running out of money. Then that makes me wonder if anyone voluntarily retires or is everyone just forced out to live out their days in fear of financial calamity. I think a lot of folks simply try to...
by jebmke
Sun Jul 15, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Travel to Mainland China - Cyber Security
Replies: 25
Views: 1881

Re: Travel to Mainland China - Cyber Security

I have used Teamviewer on an Android tablet to access a Windows PC; I've never tried it on a phone nor from China.
by jebmke
Sun Jul 15, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4270

Re: FireCalc: How big a grain of salt?

Honestly, I never set goals for total portfolio amounts or income. There are so many critical and mostly unknown variables, including life span, spending, portfolio amount, portfolio returns, etc. I never did either. During accumulation right after we were married we made a fundamental plan around ...
by jebmke
Sun Jul 15, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3676

Re: How often do you buy a primary residence?

If I have any choice, I'm never moving again. Besides the hassles of moving everything on a small farm, we have already invested many years of improvements into this place and plan many more. This is not some random place; we spent 5+ years looking for the right one. I have probably moved 20+ times...
by jebmke
Sun Jul 15, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3676

Re: How often do you buy a primary residence?

Whenever we move. Next time may be different. It may pay to lease instead of buy. Lessors get to deduct property taxes in full so it may change the economics a little.
by jebmke
Sun Jul 15, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4270

Re: FireCalc: How big a grain of salt?

I ran Firecalc once - mainly to see if the output agreed with the simulations that VG did for me. At some point, you have to stop analyzing everything to death or you will over-think something and make real mistakes. If your plan is reasonably robust, 2-3 different tools should not generate conflict...
by jebmke
Sun Jul 15, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Has the range of expected stock market returns ever been larger than today?
Replies: 15
Views: 1373

Re: Has the range of expected stock market returns ever been larger than today?

Some perspective on future returns out to 20 or 30 years might help those of us who are still 20+ years from retirement. In my opinion this is not a productive exercise. Do you really want to change your savings habits if you think the real return is 4% vs 2%? My personal approach was to create a s...
by jebmke
Sun Jul 15, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 836

Re: Reading glasses for driving

One of the reasons why I use the HereWeGo app instead of Google Maps is the display is simplified with very little text but in pretty big font "LEFT EXIT." I can see what is coming up with a glance at the screen. I'd never try to read from it. I rarely use it while driving and when I do I probably r...
by jebmke
Sun Jul 15, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 105
Views: 12015

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

I am in a decade-long campaign to simplify our affairs, sacrificing optimal investment results to do so. No secrets, lots of non-joint accounts due to unusual life circumstances, but with as much dual access as practical. I nag as much as I can without seriously harming our relationship to keep my ...
by jebmke
Sat Jul 14, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2782

Re: Retiring in early 2019

That's a nice employer benefit for healthcare. Do you know how much the employer is paying on your behalf? Perhaps I misread it but it sounded like there is a 100K lump sum health care settlement. With that, OP is on his own. Certainly better than no HC assist but depending on the situation, that m...
by jebmke
Sat Jul 14, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2223

Re: Change in Flagship Rep Service ?

Tom:

When I just logged into my account I get the usual account overview page and on the right (to the right of the pie charts) is a large picture of my rep plus the link to the section to set up an appointment and another link to go to the section to send a secure message.
by jebmke
Sat Jul 14, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: What's your *real* asset allocation?
Replies: 30
Views: 3038

Re: What's your *real* asset allocation?

I guess I don't understand this definition of "liquid" then. Liquidity is the ability to quickly buy or sell an asset without impacting the asset value. All of my assets are liquid now. In the past, this was not true. But I never included non-liquid assets in my allocation plans. I never counted re...
by jebmke
Fri Jul 13, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: What's your *real* asset allocation?
Replies: 30
Views: 3038

Re: What's your *real* asset allocation?

I only include liquid assets. Assets that can be converted to cash within one business day. I can't eat my house. I need it to keep the rain out. You can't convert any Vanguard mutual fund to cash within one business day. You can't convert any stock or ETF to cash within one business day. Sure I ca...
by jebmke
Fri Jul 13, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2035

Re: How much does your accountant cost?

0. took me 2.5hrs as i was learning new forms this year. my accountant is me. I'd do it myself too if there weren't schedule Cs involved C isn't necessarily complicated. I train volunteers to do tax returns and we do Cs all the time. Depends on how complicated your business is. If you don't have in...
by jebmke
Fri Jul 13, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Accessible Cash
Replies: 13
Views: 935

Re: Accessible Cash

If you mean currency, no, we do not. We do have two bank accounts at different institutions. The balances are quite low though.

As someone mentioned, if the power goes, we would eat freezer food then pantry food.
by jebmke
Fri Jul 13, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 31
Views: 5187

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

bg5 wrote:
Fri Jul 13, 2018 8:18 am
if they pay let them stay....if they dont.....get them out ASAP. Who cares if they are renting a room out.
It might violate local laws.
by jebmke
Thu Jul 12, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: What's your *real* asset allocation?
Replies: 30
Views: 3038

Re: What's your *real* asset allocation?

I only include liquid assets. Assets that can be converted to cash within one business day. I can't eat my house. I need it to keep the rain out.

Even when I had NQ stock options I never counted them even when they were in the money. When we had investment property we never counted that.
by jebmke
Thu Jul 12, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare [Can I contribute to a Health Savings Account?]
Replies: 27
Views: 2367

Re: Medicare [Can I contribute to a Health Savings Account?]

OK,,,I will turn 65 in May 2019. My wife is only 60 years old. I am retired but have retiree medical insurance with my former employer until I am Medicare eligible. I then can get Medigap insurance through that same former employee after age 65. We contributed the max HSA contribution for tax year ...
by jebmke
Thu Jul 12, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Pass-through guidance delayed to end of July
Replies: 0
Views: 136

Pass-through guidance delayed to end of July

https://www.bloomberg.com/news/articles/2018-07-12/pass-through-tax-guidance-said-to-be-delayed-until-end-of-july U.S. Treasury Department rules outlining which businesses structured as S corporations, partnerships and limited liability companies can claim a 20 percent tax deduction are likely to be...
by jebmke
Thu Jul 12, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Amex in Europe
Replies: 18
Views: 997

Re: Amex in Europe

Maybe it has changed but when I lived there in the early 2000s I used AMEX a lot. I would be sure to take multiple cards. We always carry at least one card each that isn't carried by the other so if a wallet goes missing we can cancel all the cards in the wallet and still keep on. It may vary by loc...
by jebmke
Thu Jul 12, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: What recent (last ~8 months) events have changed the total US stock market?
Replies: 14
Views: 1298

Re: What recent (last ~8 months) events have changed the total US stock market?

Thanks for the data. That was what I expected to see. It just seemed like normal ups and downs. In fact, when I looked at my total portfolio (bonds + equity) I was quite surprised at how flattish the entire thing was. When I think of volatility I think of the tech crunch -- or even more exciting was...
by jebmke
Thu Jul 12, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: What recent (last ~8 months) events have changed the total US stock market?
Replies: 14
Views: 1298

Re: What recent (last ~8 months) events have changed the total US stock market?

TheBogleWay wrote:
Thu Jul 12, 2018 3:01 am
There have been some drastic swings
Is this true? It sure doesn't feel like the movement has been extraordinary. I have not looked at specific data compared to historical norms.
by jebmke
Wed Jul 11, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Does tilting towards shorter-term bonds make sense?
Replies: 15
Views: 1688

Re: Does tilting towards shorter-term bonds make sense?

I only adjust the average duration based on real yields on Tips. If Tips start to get north of 2% again I will probably shift some from nominal funds (short term investment grade) and buy some more Tips.
by jebmke
Wed Jul 11, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4276

Re: Which advanced tech is necessary in cars?

I don't do the head on the window thing but I position the mirrors out so that I cannot see the side of the car. The location of MY car is not something I have much doubt about when driving.
by jebmke
Wed Jul 11, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Does tilting towards shorter-term bonds make sense?
Replies: 15
Views: 1688

Re: Does tilting towards shorter-term bonds make sense?

My nominal bond holdings have always been short. The only long position I ever hold is individual Tips.

Looking at the treasury yield curve the sweet spot seems to be around 2 years +/-
by jebmke
Wed Jul 11, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Tick Tubes and boxes. Permethrin Fipronil
Replies: 22
Views: 1759

Re: Tick Tubes and boxes. Permethrin Fipronil

^ yes; treatment shouldn't cause one to let down one's guard. We spend a lot of time "in the bush" so to speak, bird watching so we are used to suiting up appropriately. Pants sprayed, muck boots up to top of calf (even/especially in summer!). Long sleeve shirts and hats (no matter how hot). Clothin...
by jebmke
Wed Jul 11, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Tick Tubes and boxes. Permethrin Fipronil
Replies: 22
Views: 1759

Re: Tick Tubes and boxes. Permethrin Fipronil

I have used the tick tubes as well. I spot spray a few areas with Triazicide. This winter a pair of foxes had six kits under our shed so the rodent population is way down-- I mean way down. I haven't seen a squirrel in weeks. Even the snakes seem to have disappeared (I've tossed more than one snake ...
by jebmke
Wed Jul 11, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, age 60 - Tax Plan. Please suggest improvements.
Replies: 30
Views: 2984

Re: Retired, age 60 - Tax Plan. Please suggest improvements.

As far as I know, IRMAA starts immediately. My wife starts Medicare in September and she has already been notified of the IRMAA premium adder. Yes, IRMAA start immediately. But what year's tax return was used to determine your IRMAA for 2018. Was tax return from 2017 or tax return from 2016? I don'...
by jebmke
Wed Jul 11, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Retired, age 60 - Tax Plan. Please suggest improvements.
Replies: 30
Views: 2984

Re: Retired, age 60 - Tax Plan. Please suggest improvements.

As far as I know, IRMAA starts immediately. My wife starts Medicare in September and she has already been notified of the IRMAA premium adder.
by jebmke
Wed Jul 11, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Tick Tubes and boxes. Permethrin Fipronil
Replies: 22
Views: 1759

Re: Tick Tubes and boxes. Permethrin Fipronil

Bifen is what the professionals in our area use. We used to have part of our property treated but it got expensive. What do you use to apply it - a regular hose-end sprayer? I live in a community generally bounded by a lake and a national park. We have a lot of wildlife, and a lot of ticks. For 2016...
by jebmke
Wed Jul 11, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 17
Views: 1179

Re: Estate Planning and Charity

BTW, my alma maters forgot I was alive for 25 years, then... things changed. They'll be back, and can't be turned off. I've considered sending them "I'm dead" letters, but am afraid that'll just excite them more. Good luck with that. I moved out of the country for a few years but they found me. The...
by jebmke
Tue Jul 10, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, age 60 - Tax Plan. Please suggest improvements.
Replies: 30
Views: 2984

Re: Retired, age 60 - Tax Plan. Please suggest improvements.

I would not fund a DAF for use past 70.5 if you have an IRA unless the tax rate is significantly higher in the year you fund the DAF compared to your IRA years. DAFs carry expenses that are not needed in an IRA and you can use the QCD to fund charity at that point without incurring the DAF expenses....
by jebmke
Tue Jul 10, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 9892

Re: Six stocks make up 98% of S&P 500 gains in 2018

Russell 2000 up 2x S&P

Own them all.
by jebmke
Tue Jul 10, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3602

Re: Auto Tariffs: time to buy?

Pajamas wrote:
Tue Jul 10, 2018 9:08 am
Don't worry, the drop in soy prices due to decreasing exports will cause food prices to plummet and offset any difference.
Not to mention bacon. Soy diesel engine? Fryolater on wheels.
by jebmke
Tue Jul 10, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3602

Re: Auto Tariffs: time to buy?

The Honda Odyssey is manufactured in Lincoln, Alabama. The Toyota Sienna is manufactured in Princeton, Indiana. I was unaware that we're imposing tariffs on Alabama and Indiana. But I guess I would not be surprised to hear that we are. I guess I'm lucky as I just bought a Subaru....also built in In...
by jebmke
Tue Jul 10, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Investing for Income Vs. Taking Withdrawals?
Replies: 6
Views: 655

Re: Investing for Income Vs. Taking Withdrawals?

k66 wrote:
Tue Jul 10, 2018 8:56 am
Otherwise, there is nothing special about dividends; they are simply representative of a business' value. Either take it in cash, or keep it as stock price.
Dividends are simply a forced re-balance from equity to cash.
by jebmke
Mon Jul 09, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 17
Views: 1179

Re: Estate Planning and Charity

Ideally speaking, I'd be the last one to go Ideally, you'd never go, right? :P One thing to look into if you don't have specific charities that you currently feel strongly about is a foundation that supports multiple charities. These can range from giant ones like the Bill Gates Foundation to small...
by jebmke
Mon Jul 09, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Managing" a DAF for very long term
Replies: 7
Views: 583

Re: "Managing" a DAF for very long term

Lot's of ways to fit DAF in overall strategy. We set ours up as a bridge to RMD lift-off. It was loaded mainly in years when the market and our tax rate spiked. RMDs are 5 years away so I will try to spend it down over the next 5 years if possible. QCDs will take over after that. Given our time hori...
by jebmke
Mon Jul 09, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5769

Re: Any Dry Powder Strategies?

I use a little talc after I shower.
by jebmke
Sun Jul 08, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3285

Re: What do you pay for home services?

Routine landscaping is pretty competitive in our area. We have a two+ acre lot and we are now paying $60 per cut (mow, edge, blow clippings off driveway etc). We are only allowed to put fertilizer down at specific times in the spring and fall since we are on a Chesapeake tributary. I try to avoid pu...
by jebmke
Sun Jul 08, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contributions after split medical insurance
Replies: 3
Views: 259

Re: HSA contributions after split medical insurance

Once you are on Medicare you cannot contribute to an HSA.
by jebmke
Sun Jul 08, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1638

Re: Checkbook balancing software?

I am not sure what the actual request is. To me, balancing a checkbook involves reconciling the individuals records with the bank records. So, there needs to be an individual record. And it seems that the elderly relative wants that to be a checkbook registrar. I am not sure what purpose the softwa...
by jebmke
Sun Jul 08, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8823

Re: What rate of return are you using for retirement projections?

Personally, If I was 20 years from retirement I would choose my AA and glide path, put my head down and contribute what I could to my portfolio checking the value periodically. This is essentially what we did. We established a saving and investment plan early and didn't deviate from that. I didn't ...
by jebmke
Sun Jul 08, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8823

Re: What rate of return are you using for retirement projections?

The longest Tip now trading (Feb 2048) is at .8% yield (real). Hard to see a path to 2% real on bonds. Maybe we will get there; we have been there before but nothing in the current term structure points you there.