Search found 10579 matches

by jebmke
Sat May 30, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Pros/Cons on Retiring to Florida Gulf Coast & Recommended Areas Input Please
Replies: 29
Views: 2578

Re: Pros/Cons on Retiring to Florida Gulf Coast & Recommended Areas Input Please

I live in Fort Walton Beach, work on Eglin AFB, which is in the panhandle. Been here off and on for 12 years. Pros: Beaches are the best in the world....no really. I've lived ALL over the world and nowhere is there better beaches. White sand, turquoise shallows into the deep blue. Very reasonable p...
by jebmke
Sat May 30, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 120
Views: 7560

Re: Simple jobs during FATFire?

I assume you realize the difficulty of "moving to Canada" before you retire: namely, finding a new job in Canada. Canada is aware of people moving there for healthcare reasons and isn't going to welcome just anybody with open arms. They used to have an "investor visa" that wasn't that onerous (less...
by jebmke
Sat May 30, 2020 3:52 pm
Forum: Personal Investments
Topic: How to get rid of a few cents in IRA Money Market?
Replies: 9
Views: 588

Re: How to get rid of a few cents in IRA Money Market?

True, although the fix would be easy. I used to get W-2s from my former employer with zeros in every box except 12 which had the HSA amount they kept giving me after I retired. I always had to enter a dollar in Box 1 to get the software to take it.
by jebmke
Sat May 30, 2020 3:45 pm
Forum: Personal Investments
Topic: Your feedback on soon to retire portfolio pls
Replies: 10
Views: 542

Re: Your feedback on soon to retire portfolio pls

What are your planning for your expenses to be in dollar terms? That should include taxes and healthcare. And periodic lumpy items like replacing a car, an unexpected, uninsured medical/dental item ..... Over the last few years, our annual expenses, excluding income taxes varied from -15% to +30% a...
by jebmke
Sat May 30, 2020 3:32 pm
Forum: Personal Investments
Topic: How to get rid of a few cents in IRA Money Market?
Replies: 9
Views: 588

Re: How to get rid of a few cents in IRA Money Market?

What would happen if you tried to distribute it?
by jebmke
Sat May 30, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out
Replies: 9
Views: 795

Re: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out

I fired up a new Intel NUC8 05/26; pushed Windows 10 Home update disabled the ethernet port, & refused to recognize my Optane memory. Enabled the ethernet port (device manager, driver update), used an Intel EOL utility (Windows Store variant didn't work) to fix the Optane:cache memory access. Vanil...
by jebmke
Sat May 30, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16314

Re: Bird watchers – what birds are you seeing?

JAZZISCOOL wrote:
Sat May 30, 2020 10:28 am
Right now the grackles and red-wings love it.
That's the problem we have. By mid-spring, grackles and red-wings are on the prowl. Another reason we take it down, usually in April.
by jebmke
Sat May 30, 2020 9:44 am
Forum: Personal Investments
Topic: Vanguard Website
Replies: 10
Views: 930

Re: Vanguard Website

I was in yesterday and today (Saturday morning) with no problems.
by jebmke
Sat May 30, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: iPadOS 13.5 Power Management?
Replies: 2
Views: 213

iPadOS 13.5 Power Management?

MY iPad (2018 vintage) updated to IPadOS 13.5 earlier this week. My perception is that the batter runs down faster. Has anyone else observed this?
by jebmke
Sat May 30, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Necessary to clean the clothes dryer? How? Ticks?
Replies: 17
Views: 1273

Re: Necessary to clean the clothes dryer? How? Ticks?

My typical routine is to stop in the mudroom/laundry room, strip down and put clothes in washer. Do quick inspection of what I can see. Then go directly to the master bath where we have full length mirror. Then I check everywhere I can - including places you normally don't look at routinely. Hint - ...
by jebmke
Sat May 30, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16314

Re: Bird watchers – what birds are you seeing?

They must be feeding them too. On my last two trips to Walmart I found zero sunflower seeds on the shelves. They had the best price for the 40# bags ($18-$19). When I checked online today the price was $28. Lowe's had a price of $20 but they had an increase as well ($25). Looks like Lowe's will be ...
by jebmke
Sat May 30, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Necessary to clean the clothes dryer? How? Ticks?
Replies: 17
Views: 1273

Re: Necessary to clean the clothes dryer? How? Ticks?

I did edit my original post for clarity. What I will add here is that what my spouse is doing is DISINFECTING the clothes dryer, AFTER first running whatever clothes were worn outdoors in the clothes dryer. THEN the clothes are washed while the clothes dryer is disinfected. This process is TEDIOUS ...
by jebmke
Sat May 30, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16314

Re: Bird watchers – what birds are you seeing?

White breasted nuthatches have fledged. On the edge of the roof today yacking at adults to bring them seed. Cardinals, House Finches and Tree Swallows have all fledged as well.
by jebmke
Sat May 30, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: IRS announces Form 1040-X electronic filing options
Replies: 4
Views: 562

Re: IRS announces Form 1040-X electronic filing options

That's great news, and I can only imagine that e-filing of 1040X 1040-X forms will likely be allowed for all future years. I think that is the intent. The restriction to 2019 simply eliminates the possibility of doing 2018, 17 etc. For TaxAide sites, assuming we ever re-open them, this will be a bi...
by jebmke
Sat May 30, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Necessary to clean the clothes dryer? How? Ticks?
Replies: 17
Views: 1273

Re: Necessary to clean the clothes dryer? How? Ticks?

We just throw our possibly tick infested clothes in the washer on a short cycle, then dump them in the dryer. I normally do a pretty thorough tick check before I even go back in the house but it is always possible to miss them.
by jebmke
Fri May 29, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 5923

Re: What will you NOT buy online?

Produce A local produce farm that sets up in various farmers markets around here quickly configured an online purchasing method. The local farmers market reconfigured so you don't have to get out of your car. You have to pickup the goods, pre-pay with paypal. The greens and other vegetables are pic...
by jebmke
Fri May 29, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: 70/30 - Expected Real Return?
Replies: 53
Views: 3565

Re: 70/30 - Expected Real Return?

Well, bonds have a zero real yield right now at 20-years. There is another thread where real returns of 3% for equity is suggested. Truth is, nobody knows. I don't do projections so I haven't focused on it much. All my IRAs are in bonds so using zero makes it easy to forecast my RMD.
by jebmke
Fri May 29, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: Economy and The Markets
Replies: 31
Views: 1573

Re: Economy and The Markets

The real interest rate is ~ zero (looking at 2040 Tip) - a 2.5-3% equity premium doesn't sound unreasonable I suppose.
by jebmke
Fri May 29, 2020 9:56 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 5923

Re: What will you NOT buy online?

unclescrooge wrote:
Thu May 28, 2020 11:47 pm
I even met my wife online!
Did you get a good deal?
by jebmke
Fri May 29, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: 55+ communities - with or without golf course?
Replies: 13
Views: 1287

Re: 55+ communities - with or without golf course?

As you can see there are many possibilities. I would not pay HOA fees for an expensive amenity I did not use, and even if I did golf I would consider paying to go to the courses I wanted to visit rather than burdening myself with a share of ownership especially if the course is just average and not...
by jebmke
Fri May 29, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: IRS announces Form 1040-X electronic filing options
Replies: 4
Views: 562

IRS announces Form 1040-X electronic filing options

https://www.irs.gov/newsroom/irs-announces-form-1040-x-electronic-filing-options-coming-this-summer-major-milestone-reached-for-electronic-returns WASHINGTON — The Internal Revenue Service announced today that later this summer taxpayers will for the first time be able to file their Form 1040-X, Ame...
by jebmke
Fri May 29, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out
Replies: 9
Views: 795

Re: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out

There hasn't been much new in the way of features that have interested me for quite some time. I normally wait about six months to do a build update. I just updated to 1909 earlier this month. The PIN log-in feature they imply is new has been around for a long time. It was available when I bought my...
by jebmke
Fri May 29, 2020 7:36 am
Forum: Personal Finance (Not Investing)
Topic: What does your budget spreadsheet look like?
Replies: 36
Views: 2184

Re: What does your budget spreadsheet look like?

Now retired but when we were working, we didn't have a budget per se. We had a prioritization of income. Savings/investment was at the top Fixed items (e.g. mortgage, property taxes) Variable non-discretionary (e.g. snow plowing, heating oil) Discretionary (restaurants etc) Discretionary was always ...
by jebmke
Thu May 28, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: CC Points Extraction...What would you do with 1,000,000 points?
Replies: 18
Views: 1330

Re: CC Points Extraction...What would you do with 1,000,000 points?

I'd probably donate them. I have about 500K miles on American I will probably donate this year.
by jebmke
Thu May 28, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1465

Re: Bird Nest Forming Under Deck

Just to provide balance for others reading along, we have fed birds for decades, and have had birds nesting in our eaves and elsewhere near our house for many years. Never had a problem with mites. Lots of friends have robins nests and other birds nesting by their front doors, etc, no problems othe...
by jebmke
Thu May 28, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 5923

Re: What will you NOT buy online?

Once I find a shoe manufacturer I like (Ecco is my preferred shoe now) I can reliably order online any shoe that has the same last. Every once in a while I'll order a different last but I can return it to a store about an hour from here if I happen to be in the area.
by jebmke
Thu May 28, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1465

Re: Bird Nest Forming Under Deck

unless it is an invasive species like a House Sparrow or European starling, I'd ignore it. The bird will fledge the young and then they will all leave. AFAIK, the only bird that the Audubon Society suggests killing are House Sparrows. They are just plain nasty. In Maryland, Mute Swans are marked fo...
by jebmke
Wed May 27, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 164
Views: 11425

Re: Swedroe’s Bond Advice - no total bond index

I also seem to recall Swedroe posting more than once on this forum that in his opinion, the use of Total Bond Index was a fairly "minor infraction" compared to other portfolio construction errors. I'm inclined to agree, but the recent downturn demonstrated why Larry and others favor Treasuries, CDs...
by jebmke
Wed May 27, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 164
Views: 11425

Re: Swedroe’s Bond Advice - no total bond index

I also seem to recall Swedroe posting more than once on this forum that in his opinion, the use of Total Bond Index was a fairly "minor infraction" compared to other portfolio construction errors.
by jebmke
Wed May 27, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1465

Re: Bird Nest Forming Under Deck

hicabob wrote:
Wed May 27, 2020 9:09 am
Birds hate aluminum foil. Cheap, easy, not cruel and effective.
Pinwheels work as well, depending on location. I use one on top of bluebird box. BBs don't mind it since they are headed for inside the box. Pinwheel prevents the Mockingbird from sitting on the top of the box leaving deposits.
by jebmke
Wed May 27, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1465

Re: Bird Nest Forming Under Deck

DaftInvestor wrote:
Wed May 27, 2020 8:55 am
"What is the best deterrent for this activity?"
A cat or dog works best :)

Even if the nest was a "haven for bacteria" - if "under" the deck what would the worry be?
Snake is better. Quiet, no debris. Works at night. Also removes mice. Doesn't play with his food. No vet bills.
by jebmke
Wed May 27, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1465

Re: Bird Nest Forming Under Deck

unless it is an invasive species like a House Sparrow or European starling, I'd ignore it. The bird will fledge the young and then they will all leave.
by jebmke
Wed May 27, 2020 7:28 am
Forum: Personal Investments
Topic: How to maintain discipline with bonds?
Replies: 15
Views: 1189

Re: How to maintain discipline with bonds?

I have not made any changes in my bond holdings. I have not seen any reports of the FED “artificially” manipulating interest rates.
by jebmke
Tue May 26, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12503

Re: Pandemic buys that have improved quality of life?

We've only had our two small dogs for a year, but I can tell what, if anything, DW has spilled in the kitchen by feeling and smelling their beards :wink: As an aside our extra time at home the past few months would have been real misery without these two recently acquired guys. I have been pretty f...
by jebmke
Tue May 26, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12503

Re: Pandemic buys that have improved quality of life?

I understand a lot of the purchases other people listed, but not the robotic vacuums many people listed, at least not as a pandemic buy. I suppose the purchase makes sense in general, but it doesn't seem like a response to the pandemic, since more time at home seems like it lowers the need to autom...
by jebmke
Tue May 26, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: Covid-19 Fears and Stock Market Behavior
Replies: 13
Views: 1130

Re: Covid-19 Fears and Stock Market Behavior

Don't know about China but I suspect the FED expansion of their balance sheet from $4.3 trillion to over $7 trillion in a little over a month might have contributed.
by jebmke
Tue May 26, 2020 3:35 pm
Forum: Personal Investments
Topic: Any retirees get through Covid crisis without large cash reserve?
Replies: 63
Views: 4225

Re: Any retirees get through Covid crisis without large cash reserve?

We haven't had significant cash reserves in decades. Retired in 2007. I think I unwound our EF in the mid-90s.
by jebmke
Tue May 26, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12503

Re: Pandemic buys that have improved quality of life?

What is the deal with flour? Is bread in short supply? I don't do the grocery shopping but the only thing I've heard about in short supply around here was paper products -- and that seems to have passed. But we don't eat much bread or meat so maybe we are just not in the market for things that are ...
by jebmke
Tue May 26, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 120
Views: 7560

Re: Simple jobs during FATFire?

Anyone who can tell you what skills would be in demand 15+ years from now probably isn't hanging around posting on this forum.
by jebmke
Tue May 26, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12503

Re: Pandemic buys that have improved quality of life?

What is the deal with flour? Is bread in short supply? I don't do the grocery shopping but the only thing I've heard about in short supply around here was paper products -- and that seems to have passed. But we don't eat much bread or meat so maybe we are just not in the market for things that are n...
by jebmke
Mon May 25, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 5923

Re: What will you NOT buy online?

I do not buy estate documents (e.g. will) online. By the time you go to use it, if you find out that it is defective it is probably too late to get a refund or repair.
by jebmke
Mon May 25, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How to document and reconcile carry forward losses used to offset income with brokerage?
Replies: 6
Views: 375

Re: How to document and reconcile carry forward losses used to offset income with brokerage?

Not exactly sure what you are trying to accomplish. Consumption and continued carryover of remaining losses occurs naturally on your tax return every year if it is completed properly. As far as I know, most tax software will apply the losses correctly and maintain the balance for carryover to the ne...
by jebmke
Mon May 25, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16314

Re: Bird watchers – what birds are you seeing?

InvisibleAerobar wrote:
Mon May 25, 2020 10:44 am
Which Somerset County?
Maryland; down around Deal Island.
by jebmke
Mon May 25, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16314

Re: Bird watchers – what birds are you seeing?

Any advice to getting birds to eat my suet cakes? I have plenty of woodpeckers, bluejays and cardinals around but they just ignore it. I have it on the same Shepards hook as the bird seed, in the shade, under an oak hammock. It is one of the wild birds unlimited woodpecker tail prop feeders. We nor...
by jebmke
Sun May 24, 2020 3:49 pm
Forum: Personal Investments
Topic: Any suggestions for the homestretch of my retirement plan?
Replies: 21
Views: 1616

Re: Any suggestions for the homestretch of my retirement plan?

Spend some serious time thinking about your asset allocation and how you would react to a downturn in the early years. Would you re-balance (without income/new money)? Not saying you aren't at the right allocation, just that it is psychologically different when you have no income. I retired at age 5...
by jebmke
Sun May 24, 2020 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Tax Return Status Unavailable?
Replies: 6
Views: 274

Re: Amended Tax Return Status Unavailable?

beastykato wrote:
Sun May 24, 2020 2:00 pm
Ok. At least it’s not just me. I am fine with it taking a long time to get finished, but I wish they would at least say “Hey, we got it but it will be a while.” Lol
There is no "they" there right now.
by jebmke
Sun May 24, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16314

Re: Bird watchers – what birds are you seeing?

Day trip to Somerset County Canada Goose Mute Swan Wood Duck Gadwall Mallard American Black Duck Ruddy Duck Mourning Dove Chimney Swift Ruby-throated Hummingbird Clapper Rail Virginia Rail Common Gallinule Black-necked Stilt Semipalmated Plover Killdeer Dunlin Least Sandpiper Semipalmated Sandpiper ...
by jebmke
Sun May 24, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Tax Return Status Unavailable?
Replies: 6
Views: 274

Re: Amended Tax Return Status Unavailable?

They have not been processing paper returns for a few weeks now. The normal processing time for a paper return is 10-12 weeks. I think it is going to be a few months for them to catch up.
by jebmke
Sat May 23, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 120
Views: 9612

Re: Personal spending out of control after Covid-19

unclescrooge wrote:
Sat May 23, 2020 3:03 pm
Kids are 3 and 5.
Surprised they like ghost pepper chips.
by jebmke
Sat May 23, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 63
Views: 6638

Re: El-Erian comments on the crisis

I haven't heard anyone credible who believes this will be V-shaped.