Search found 7665 matches

by jebmke
Sat May 19, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2403

Re: Having trouble figuring out expected expenses in retirement

Normally I would expect a properly installed and properly used septic system to last much longer than 10 years. As I said, it was under-designed. It was designed as if it were in "sandy loam" but the soil was actually "massive clay" (official designation). It required the complete replacement of a ...
by jebmke
Sat May 19, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2403

Re: Having trouble figuring out expected expenses in retirement

Even if the mortgage is paid off, you still need to pay property tax and maintain the house. The housing expense will not be zero. I am retired with mortgage paid off. Fairly recent non-recurring home maintenance expenses: $25K Septic system replacement $13K HVAC replacement $9K Exterior (paint, do...
by jebmke
Fri May 18, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2897

Re: Unique Phone Apps that you find yourself using most often?

I used to use Waze and finally concluded that it didn't add much value in my situation. In a lot of areas I travel there really aren't any alternatives if there is an accident or construction slow down so knowing about it doesn't produce any actionable information. I like the clean look and large ty...
by jebmke
Fri May 18, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 25
Views: 2661

Re: more rotten service from Vanguard [ACH transfer, fund availability]

I can write a check from my Vanguard Prime MM fund, deposit it to my bank checking account, and the funds are available the next day. Makes me glad that I decided to not use ACH anymore. I have been getting ACH transfers in 24 hours or less between VG and bank; and between bank and savings bank. I ...
by jebmke
Fri May 18, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 1932

Re: Mitsubishi wall air conditioner

No experience with a install or long term reliablity, but we spent a month in Australia recently and these units are everywhere. We stayed at relatives homes and found the units to work quite well in the summer heat. It took me awhile to get used to its operation but once I did I found it to work o...
by jebmke
Thu May 17, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1249

Re: Employ a daughter who in turn volunteers?

I agree with Gill. In addition, the leakage due to SE tax makes the value of this questionable IMO. If you want to start her off investing, just give her some funds to put in a taxable account.
by jebmke
Thu May 17, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2897

Re: Unique Phone Apps that you find yourself using most often?

...I would never use mobile devices for financial sites. Partly because I don't trust the security of these devices and partly because I don't need to - now that I don't travel for work it would be unlikely that I am away from home for more than two weeks so there really isn't a reason not to wait ...
by jebmke
Thu May 17, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 132
Views: 6923

Re: how do you tip on wine at a restaurant

bgf wrote:
Thu May 17, 2018 12:44 pm
LOL, designated to enable Uber or Lyft.
There is no such service in my area. If you can't drive you are SOL.
by jebmke
Thu May 17, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 132
Views: 6923

Re: how do you tip on wine at a restaurant

TxAg wrote:
Thu May 17, 2018 12:39 pm
Nobody is in the back cooking wine, though.
Someone is maintaining inventory, ordering, making sure that old bottles are taken off the list. I don't know how tips are shared with sommeliers at restaurants that have them.
by jebmke
Thu May 17, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2897

Re: Unique Phone Apps that you find yourself using most often?

I really like an app called Here We Go. I can download a detailed street map of any country, city, state or whatever to my phone or tablet and use them offline. Lost in Dublin, Odessa, Seattle, Moscow, Anchorage or where ever..... just open the app and enter the city detail you want, and find from ...
by jebmke
Wed May 16, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2150

Re: Why this problem never gets fixed

Become CEO of a major hospital corporation.
by jebmke
Tue May 15, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Killing mold and mildew outdoors
Replies: 8
Views: 684

Re: Killing mold and mildew outdoors

^ what does this stuff do to plants (bushes, grass). I have an issue with black algae on my roof. But the runoff will end up on plants and/or lawn.
by jebmke
Tue May 15, 2018 3:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 40
Views: 1929

Re: How did you fall in love with investing?

wander wrote:
Tue May 15, 2018 5:58 am
I consider investing is part of life, not too much about love.
Same here. I try not to spend much time on it.
by jebmke
Mon May 14, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know your marginal tax rate?
Replies: 27
Views: 2801

Re: Do you know your marginal tax rate?

Depending on the situation, the bracket rates are not the marginal rate. Thus, for example, the existence of the infamous 30% federal marginal rate - which doesn't even appear in the tax tables. I calculate my marginal tax rate heuristically using tax software. The only way to do it IMO.
by jebmke
Mon May 14, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

Backup (cloud or not) should be robust and have at least a couple of features in my opinion. One, there needs to be versioning to prevent destruction/deletion of a good copy. Simple mirrors will mirror your mistakes as well as other problems (file corruption, malware etc). Two, you need a clean proc...
by jebmke
Mon May 14, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 79
Views: 3958

Re: keyless ignitions and carbon monoxide

I have carbon monoxide alarms in the sections of the house immediately adjacent to the garage. This is the only area where CO is an issue because we have electric heat (heat pump). Portable generators can be a risk as well because they are often mistakenly placed near a structure to feed the electri...
by jebmke
Sun May 13, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

I am confused by how many people are encrypting ALL of their files. I use google drive for pretty much everything. I pay for extra google cloud storage because 99.9% of what I store on the cloud are pictures and home videos. Do people really care if those get hacked? I care more if I lose them, whi...
by jebmke
Sat May 12, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating 25X Expenses
Replies: 19
Views: 2772

Re: Calculating 25X Expenses

^ Not to mention the chance that Joe may not conveniently die at age 85 -- unless he wants to pull a Jack Kevorkian departure.
by jebmke
Sat May 12, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating 25X Expenses
Replies: 19
Views: 2772

Re: Calculating 25X Expenses

BTW, given that Joe is married, that needs to be considered in his planning. One spouse is likely to die before the other, which means a known decrease in Social Security and a likely decrease in expenses. I do taxes for seniors; I get a lot of widows/widowers who come in the year after their spous...
by jebmke
Sat May 12, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Muni bondholders vs. pensions
Replies: 50
Views: 2922

Re: Muni bondholders vs. pensions

I give up ... this one has a lot of Illinois bonds also. It's current yield, and past performance are way worse than Vanguard's fund. First, you aren't going to get a lower risk fund with the same yield. You have to decide which is more important. Second, you might want to look at the Illinois bond...
by jebmke
Sat May 12, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

I hated Boxcryptor, which I wasted the morning on before uninstalling and subsequently downloading VeraCrypt. I was able to get Boxcryptor to work fine but decided not to use it. I keep everything in a Veracrypt vault but at 50gb it is too big to move to online storage. I don't put anything in my G...
by jebmke
Sat May 12, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Federal Capital Gains Tax on Company Sale By Taking a Zero Salary
Replies: 18
Views: 1754

Re: Avoiding Federal Capital Gains Tax on Company Sale By Taking a Zero Salary

The brackets for Long Term Capital gains include the capital gain income.
by jebmke
Sat May 12, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

The above represents a sea change in thinking for me with respect to data security, and I'm still working on creating a methodology for minimizing slow upload speeds to GD. I'm thinking of creating one separate VC container for those critical docs I revise most frequently (e.g., financial), and the...
by jebmke
Sat May 12, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Getting Bombarded With Medicare Mailings!
Replies: 16
Views: 874

Re: Getting Bombarded With Medicare Mailings!

This is nothing. Wait until you are 64.5 and the phone starts ringing. We were getting 30-40 calls a day.
by jebmke
Sat May 12, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Year end tax forms for Investment accounts
Replies: 4
Views: 349

Re: Year end tax forms for Investment accounts

pshonore wrote:
Fri May 11, 2018 9:55 pm
TD Ameritrade and Fido both produce a Consolidated 1099. Within it there can be a 1099B, a 1099DIV, a 1099MISC, a 1099INT, etc depending on your investment activity
Vanguard issues a consolidated statement as well. Normally in late February.
by jebmke
Fri May 11, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2177

Re: Online/cloud backup or file storage?

In my opinion, cloud storage and backup are two different animals. I have had good experiences with Google Drive, MS OneDrive and, to a lesser extent, Dropbox for online storage solutions. Google Drive has a slightly more flexible powerful sharing function but for most uses, all three are pretty muc...
by jebmke
Fri May 11, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Computer Remote Access
Replies: 29
Views: 3106

Re: Computer Remote Access

On Teamviewer now. Mostly so accountants & CPA can remote in. Give them a one time password and if they need in again then generate another. Did not know about the Chrome log in. That sounds interesting It has been a couple of years since I used Teamviewer. At the time, you could configure Teamview...
by jebmke
Fri May 11, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5275

Re: Need Input on My Early Retirement Plan.....

Many people find that it makes sense to structure their income to be able to do Roth conversions and take capital gains in a low tax bracket before they start Social Security. The problem with having a mortgage is that you would somehow have to generate the income to make the mortgage payment and t...
by jebmke
Thu May 10, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to play a country currency devaluation (e.g.: Argentina)
Replies: 3
Views: 397

Re: How to play a country currency devaluation (e.g.: Argentina)

I was on business in BA when the peso un-pegged from the USD and went from 1:1 to 4:1. Anyone with hard USD currency could get exchange rates on the street that were a lot better than the official ~ 4:1 -- often 6-8:1 buying local goods, in restaurants etc.
by jebmke
Thu May 10, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5268

Re: What's the view on dogs running free?

If there was, I would give them an earful after having them come get their cat. A second offense would be straight to the pound with the hopes that they get adopted by more responsible owners. All it took was one chat with our neighbor down the street. When I explained to her that her cat would be ...
by jebmke
Thu May 10, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1345

Re: Home Fire/Burglar Safe

My safe is minimally fireproof . My goal was to keep young kids(at the time) and casual smash and grab burglars out. Two relevant anecdotes. A friend of mine came home from a vacation to find his house burned to the ground. When he opened the fireproof safe he found the ashes of paper documents and...
by jebmke
Thu May 10, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8688

Re: Warning: avoid Windows 10 update 1803

Microsoft used to just do monthly updates without the semiannual total makeover of Windows operating system. Does anyone know why they decided to do massive updates every six months nowadays? I think it is their shift to Windows as a service vs. a product. The six-month updates are mainly feature &...
by jebmke
Thu May 10, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8688

Re: Warning: avoid Windows 10 update 1803

You can set either wired or wireless connection as a metered connection. My data cap is so high that I have no need to do so. But it is nice to know that such an option exists. Yes; I have a wired connection that I set as "metered" to control updates. I think this changed with one of the recent maj...
by jebmke
Wed May 09, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated Tax on Large Capital Gain
Replies: 34
Views: 1995

Re: Estimated Tax on Large Capital Gain

Masterblaster: Corn18 and Gill are correct. Safe harbor rules make it easy when you move into a year with income spiking. I have had these plenty of times and I set my estimated tax payments on automatic with EFTPS at the safe harbor amount even though it means I have a big bill in April (albeit no ...
by jebmke
Wed May 09, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8688

Re: Warning: avoid Windows 10 update 1803

In some configurations you can declare your internet connection a metered connection and block updates from downloading from metered connections. We have done this with TaxAide laptops to avoid updates from starting in the middle of a tax session.
by jebmke
Wed May 09, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: SpecID for noncovered shares at Vanguard
Replies: 12
Views: 970

Re: SpecID for noncovered shares at Vanguard

Interesting. It doesn't appear on HRB software output and I don't recall any of the dialogs asking me about the cost basis method.
by jebmke
Wed May 09, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5268

Re: What's the view on dogs running free?

Cats live longer if kept indoors.
by jebmke
Wed May 09, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5268

Re: What's the view on dogs running free?

We gave our neighbor one polite notice. The second time I took his dog to the shelter.

Small dogs or other small pets don't stand a chance around here with predators. Foxes or owls will take a small dog to dinner in a heartbeat.
by jebmke
Wed May 09, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: SpecID for noncovered shares at Vanguard
Replies: 12
Views: 970

Re: SpecID for noncovered shares at Vanguard

Where on the return does it show that you elected average basis. I looked on Form 8949 and could not locate that.
by jebmke
Wed May 09, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Using HSA for a (almost, not quite) dependent
Replies: 2
Views: 378

Re: Using HSA for a (almost, not quite) dependent

from Pub 969 Qualified medical expenses are those incurred by the following persons. You and your spouse. All dependents you claim on your tax return. Any person you could have claimed as a dependent on your return except that: The person filed a joint return, The person had gross income of $4,050 o...
by jebmke
Wed May 09, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: SpecID for noncovered shares at Vanguard
Replies: 12
Views: 970

Re: SpecID for noncovered shares at Vanguard

If I really want to tell Vanguard which tax lots to sell and send them the information as indicated on the page above, what's secure email? Is it the online message section? Wouldn't they know my name, address, and SSN already? Yes, in their online message system simply provide the details requeste...
by jebmke
Tue May 08, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Living off Dividends of Vanguard Total Stock
Replies: 49
Views: 6464

Re: Living off Dividends of Vanguard Total Stock

MrPotatoHead wrote:
Tue May 08, 2018 5:14 pm
I think it is a grand plan, and more or less what I am planning. One minor tweak I like is to have 10-15 years known expenses in cds or treasuries or whatever that you replenish from your dividends.
That isn't 100% stocks.
by jebmke
Tue May 08, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Living off Dividends of Vanguard Total Stock
Replies: 49
Views: 6464

Re: Living off Dividends of Vanguard Total Stock

What happens when dividends get cut or an unexpected large expense comes up in the middle of a bear market?
by jebmke
Tue May 08, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Spark Plugs only vs Tune Up?
Replies: 29
Views: 1892

Re: Spark Plugs only vs Tune Up?

You are the customer. Just tell them what you want. Auto shops will almost always try to upsell.
by jebmke
Tue May 08, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: DAF with <$5k minimum contribution?
Replies: 17
Views: 1109

Re: DAF with <$5k minimum contribution?

If you're under 30, the Jewish Communal Fund will reduce its minimum to $1,800 instead of their usual $5,000. https://www.jcfny.org/establish-a-jcf-fund/nextgen-funds/funds-for-18-to-30-year-olds/. Our local community foundation has a lower minimum as well. They do a lot of vetting of local chariti...
by jebmke
Tue May 08, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: DAF with <$5k minimum contribution?
Replies: 17
Views: 1109

Re: DAF with <$5k minimum contribution?

What sealed the deal for me was the fact that when appreciated securities in a taxable account are donated to a DAF, full market value can be deducted while not having to declare nor pay taxes on the capital gains. It's a beautiful thing, well worth the $100 annual fee. This is not unique to Donor ...
by jebmke
Mon May 07, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6399

Re: What backup service to use?

What is the best way to backup only Microsoft Office Outlook? On an external hard drive? My Outlook crashed last night, whited-out then a window appeared "Outlook cannot open." Since I'm trying to store more emails in categories rather than print them out for paper files, a crash destroys my good i...
by jebmke
Mon May 07, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: When did you start drawing profits from taxable?
Replies: 48
Views: 3231

Re: When did you start drawing profits from taxable?

I retired in December, 2007. In January, 2008 I started withdrawing from taxable.
by jebmke
Mon May 07, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16787

Re: What Percentage CASH are you?

I don't understand your reasoning. It is a good thing to hold cash rather than a short Treasury fund that actually increased in price during that time? Indeed. I retired in December, 2007 -- right before the down-tick in 2008. Our position in short-term-intermediate bonds rose in value. In addition...