Search found 12795 matches

by jebmke
Wed Jun 16, 2021 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paying estimated 2021 taxes to avoid paying penalties
Replies: 20
Views: 1766

Re: Paying estimated 2021 taxes to avoid paying penalties

That's insane. I mean, seriously, our tax code is absolutely insane. Forcing retirees to pay 100% of last year (which could be way more than they need) or risk underestimating 90% of this year just so they don't get tripped up by all this complexity is cruel. Nobody is forced to pay 100% of the inc...
by jebmke
Wed Jun 16, 2021 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for HOA Special Assessment ?
Replies: 16
Views: 805

Re: Tax deduction for HOA Special Assessment ?

adamthesmythe wrote: Wed Jun 16, 2021 1:07 pm The best way to avoid unexpected costs of ownership is to rent.
Or, if purchasing a condo, carefully scrutinizing the association balance sheet to ensure that adequate reserves exist. Not a guarantee but can eliminate many surprises.
by jebmke
Wed Jun 16, 2021 10:45 am
Forum: Personal Consumer Issues
Topic: New Computer/Security
Replies: 19
Views: 1050

Re: New Computer/Security

Mr. Rumples wrote: Wed Jun 16, 2021 10:17 am I've had a mac mini for more than 7 years which has worked flawlessly. At work, of course, I could just call "network support." I'd like a resource like that. Maybe that's wishing for the moon?
do you have a network problem?
by jebmke
Wed Jun 16, 2021 6:36 am
Forum: Personal Consumer Issues
Topic: New Computer/Security
Replies: 19
Views: 1050

Re: New Computer/Security

I’m not an expert but in my opinion, good security is more about user behavior than it is hardware/software. In managing a volunteer network, getting people to use strong passwords, multi factor authorization (this was a training issue inasmuch as they had no choice here), and keeping their credenti...
by jebmke
Tue Jun 15, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1102

Re: Evernote: looking for alternative

I use Apple notes, but I am all Mac/iOS. It has really matured as a notes app over the past 5 years and is a seamless user experience. There is a web version you could use on the PC, but not the same as having the app with offline acess. Thanks. I may take a look at this. My phone and tablet are iO...
by jebmke
Tue Jun 15, 2021 3:28 pm
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1102

Re: Evernote: looking for alternative

Comparison of Evernote vs Apple Notes. Author uses as you suggest you do: https://medium.com/macoclock/5-reasons-i-switched-to-apple-notes-and-abandoned-evernote-16f355a05684 Thanks. Probably doesn't run on Windows, right? That is my main platform for now. But something to consider if I decide to d...
by jebmke
Tue Jun 15, 2021 2:55 pm
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1102

Re: Evernote: looking for alternative

Looks like OneNote is the first one I should try. Easy enough to give it a shot - it is already built into my W10 installation.

Thanks for the feedback.
by jebmke
Tue Jun 15, 2021 1:49 pm
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 58
Views: 2155

Re: Rx home delivery?

One thing I should add. If the mail order is part of a national chain that has local pharmacies, if a shipment gets lost or delayed they can typically front you a supply (30-days?) from the brick and mortar. When we were on Caremark we had to invoke this a couple of times; a bit of telephone work to...
by jebmke
Tue Jun 15, 2021 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paying estimated 2021 taxes to avoid paying penalties
Replies: 20
Views: 1766

Re: Paying estimated 2021 taxes to avoid paying penalties

I normally continue paying the quarterlies at the same rate and then assess the situation in December when all my income is known. Then I adjust the Q4 payment which isn't paid until mid-January. In extreme cases I skip the entire 4th quarter. In my case it would be highly unusual for me to under ru...
by jebmke
Tue Jun 15, 2021 1:33 pm
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 58
Views: 2155

Re: Rx home delivery?

We used to use mail order, typically 90 day supplies. But then they started missing shipments and the USPS delays caused further issues (they lost shipments). We tried keeping a buffer and ordering early but the insurance company rejected the Rx. We do drive up mostly now. Small town and there are ...
by jebmke
Tue Jun 15, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1102

Re: Evernote: looking for alternative

ScubaHogg wrote: Tue Jun 15, 2021 8:52 am Are you Mac/iOS or PC?
yes; iOS on portable devices and Windows on desktop
by jebmke
Tue Jun 15, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1102

Re: Evernote: looking for alternative

runner3081 wrote: Tue Jun 15, 2021 8:07 am OneNote?
How long have you been using it? Has their UI been relatively stable?

Any issues with replication?
by jebmke
Tue Jun 15, 2021 7:49 am
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1102

Evernote: looking for alternative

I've been using Evernote for years. I have a subscription in order to have the ability to store notes for offline access (I am often in places with zero internet and zero cell service). With each update, Evernote becomes less and less usable for me. They have frequently generated replication errors ...
by jebmke
Tue Jun 15, 2021 6:49 am
Forum: Personal Consumer Issues
Topic: Windows 11
Replies: 15
Views: 1395

Re: Windows 11

Not yet on my horizon. Normally I delay upgrades at least six months (even the semi annual ones). Something major lime W11 I’d probably run in a VM for a few months to test drive it. But my hardware will be pushing 10 years old by then so I might just bite the bullet and switch to Apple or load Linu...
by jebmke
Tue Jun 15, 2021 6:21 am
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 58
Views: 2155

Re: Rx home delivery?

We used to use mail order, typically 90 day supplies. But then they started missing shipments and the USPS delays caused further issues (they lost shipments). We tried keeping a buffer and ordering early but the insurance company rejected the Rx. We do drive up mostly now. Small town and there are t...
by jebmke
Mon Jun 14, 2021 5:39 pm
Forum: Investing - Theory, News & General
Topic: I'll never regret not having international funds in my portfolio
Replies: 201
Views: 11749

Re: I'll never regret not having international funds in my portfolio

Things I have excluded:

Gold
Hard real estate
Crypto
Junk bonds
Commodities

There; just save myself 5 posts
by jebmke
Mon Jun 14, 2021 1:43 pm
Forum: Investing - Theory, News & General
Topic: quick I need a source
Replies: 6
Views: 648

Re: quick I need a source

JupiterJones wrote: Mon Jun 14, 2021 1:17 pm
ryanbohle wrote: Mon Jun 14, 2021 12:53 pm Im trying to win an argument on facebook :)
Obligatory xkcd reference...

Image
http://hmpg.net/
Image
by jebmke
Mon Jun 14, 2021 11:51 am
Forum: Personal Finance (Not Investing)
Topic: 1099 quarterly taxes
Replies: 2
Views: 338

Re: 1099 quarterly taxes

Another thing --- do I need to submit the 1040 ES to the IRS to "show my work" --- or can I just send them the cash with the Q2 voucher form they say to send with it? Just curious. Thanks! You do not have to show your work. You can also make these payments electronically using the Direct ...
by jebmke
Mon Jun 14, 2021 10:57 am
Forum: Investing - Theory, News & General
Topic: I'll never regret not having international funds in my portfolio
Replies: 201
Views: 11749

Re: I'll never regret not having international funds in my portfolio

I have no plans to change my equity. I am holding all of it forever.
by jebmke
Mon Jun 14, 2021 8:28 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16499

Re: which state to retire

Also lived in Cleveland (twice). East side vs. west side for snow are completely different. Which side did you prefer I preferred the east side despite the snow. Partly due to where my job was at the time but also where friends lived. But, Cleveland has a lot of nice green space all around the city...
by jebmke
Mon Jun 14, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1293
Views: 62896

Re: Bird watchers – what birds are you seeing?

Sandtrap wrote: Mon Jun 14, 2021 7:53 am Perhaps senior humans also go into various periods of "torpor" during the day. . . . :shock:
Often depends on what beverage I have at lunch. :beer
by jebmke
Mon Jun 14, 2021 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Reaching retirement goal earlier then expected
Replies: 39
Views: 3604

Re: Reaching retirement goal earlier then expected

In retrospect, we reached our financial independence much earlier than I might have expected. But we never had "a number" and I never looked at feasibility until it looked like retirement was on the horizon. Financial considerations were never the primary driver in my career decisions, inc...
by jebmke
Sun Jun 13, 2021 2:37 pm
Forum: Investing - Theory, News & General
Topic: HSA tax question
Replies: 2
Views: 351

Re: HSA tax question

No, the adjustment is not lowered when you take a qualified distribution.

btw - it is not a tax credit, it is an adjustment to gross income.
by jebmke
Sun Jun 13, 2021 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16499

Re: which state to retire

I guess it depends on how you assess it? Both towns have Level Two trauma centers. Both have hospitals that are rated highly by Medicare https://www.medicare.gov/care-compare/r ... rt=closest https://www.medicare.gov/care-compare/r ... rt=closest Both have hospitals that are rated highly by Leapfro...
by jebmke
Sun Jun 13, 2021 1:27 pm
Forum: Personal Investments
Topic: So tempted to pull the trigger and Retire
Replies: 61
Views: 6698

Re: So tempted to pull the trigger and Retire

Couple comments. Prior to retirement you need to settle on an allocation that you won't waver on. You will have no external income and failure to stick to your plan could doom it. Expenses need to be all-in - including income taxes, "capital expenses" such as one time major home items (rep...
by jebmke
Sun Jun 13, 2021 11:30 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16499

Re: which state to retire

I'm surprised Colorado is suggested as a place to retire to. While Denver is one of my favorite places to visit during spring / summer, they seem to hit a subfreezing temperature 5~6 months out of a year. Much colder than PNW, and even PNW is cold for me. It is a dry cold. And that is not a joke. I...
by jebmke
Sat Jun 12, 2021 10:45 am
Forum: Personal Investments
Topic: Does a Dividend Portfolio make sense anymore?
Replies: 6
Views: 1003

Re: Does a Dividend Portfolio make sense anymore?

I had a few legacy stocks with fairly high dividends. I gradually gave them away to charity, took the deduction and buried the unrealized gain.
by jebmke
Sat Jun 12, 2021 10:42 am
Forum: Investing - Theory, News & General
Topic: date set for Vanguard retiring its legacy brokerage platform
Replies: 11
Views: 2174

Re: date set for Vanguard retiring its legacy brokerage platform

IIRC, our "old brokerage" at Vanguard was thru Pershing. Honestly, I though that was long gone already. I was a very happy camper going to the Vanguard brokerage platform. Cut the number of our accounts in half. Broken Man 1999 I thought it was too. I have no clue but I think my brokerage...
by jebmke
Sat Jun 12, 2021 9:12 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1293
Views: 62896

Re: Bird watchers – what birds are you seeing?

I took Cornell Lab of Ornithology's Warbler Identification course online this spring prior to warblers coming through the area and it was amazing how much easier I was able to ID them from audio and visual clues this migration season. Will be looking forward to spotting some more this fall (on &quo...
by jebmke
Sat Jun 12, 2021 7:22 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1293
Views: 62896

Re: Bird watchers – what birds are you seeing?

There are about 4 large Wren nests in the stable building/barn as well. House Wrens build multiple nests and then select one for actual use. It can be a real pain when they decide to take over our Bluebird Boxes for the fake nests but recently they seem to have settled on the unused Purple Martin h...
by jebmke
Fri Jun 11, 2021 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16499

Re: which state to retire

Even within a state, someplace like what everyone thinks of when they say “Denver,” the weather varies a lot depending on whether you’re talking about the suburban towns in the foothills, or Denver proper. Denver has much better weather than its western suburbs. Lived in Boston and Milwaukee at var...
by jebmke
Fri Jun 11, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: How did you sell your house?
Replies: 20
Views: 899

Re: How did you sell your house?

I always look for an agent who has been through at least one, preferably more than one boom/bust cycle in the housing market. This is a low cost of entry business and during boom times a lot of agents coast along without doing much work. The really good agents work pretty hard at it and survive thro...
by jebmke
Fri Jun 11, 2021 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Automatic transfers based on checking account balance (Does this exist?)
Replies: 20
Views: 1202

Re: Automatic transfers based on checking account balance (Does this exist?)

Have not seen anything like this. I monitor my bank accounts at least once a month for suspicious transactions and just do this manually. I do have automated transfers out of the savings account into the checking account 2 days before each estimated tax payment is pulled by EFTPS.
by jebmke
Thu Jun 10, 2021 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: A young friend made a tax mistake - can it be undone?
Replies: 18
Views: 2699

Re: A young friend made a tax mistake - can it be undone?

Gifts are not taxed for the recipient.
by jebmke
Thu Jun 10, 2021 11:48 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16499

Re: which state to retire

I'm surprised Colorado is suggested as a place to retire to. While Denver is one of my favorite places to visit during spring / summer, they seem to hit a subfreezing temperature 5~6 months out of a year. Much colder than PNW, and even PNW is cold for me. Denver probably drier. "Colorado"...
by jebmke
Thu Jun 10, 2021 9:43 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16499

Re: which state to retire

I find it amusing that some posters are trying to suggest property taxes in a no income state might be higher. This might be true coming from some states, but OP is coming from NJ which is the reigning US champ for property tax rates. Yes; and in order to really compare, it can be a very local issu...
by jebmke
Thu Jun 10, 2021 8:13 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16499

Re: which state to retire

For looking at typical weather, I've found this helpful rather than anecdotes. Assuming this data is correct, I find it is often different than what people perceive about the weather in various places.

https://weatherspark.com/
by jebmke
Thu Jun 10, 2021 7:40 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16499

Re: which state to retire

RubyTuesday wrote: Thu Jun 10, 2021 7:35 am Takes effort if you really want to let the tax tail wag the dog…
Hve lived in a dozen states and three countries. If I scored them today (as a retiree) taxes would not make my top five criteria.
by jebmke
Wed Jun 09, 2021 7:44 am
Forum: Personal Finance (Not Investing)
Topic: So now you're dead -- how does your executor find all your accounts & bills?
Replies: 70
Views: 9279

Re: So now you're dead -- how does your executor find all your accounts & bills?

I don't have any good answers. One part of a good answer is to keep things as simple as possible. Every time I get a chance I try to simplify the entire financial situation. I took more steps during the pandemic - partly because I had time on my hands and partly because of the increased risk that i...
by jebmke
Wed Jun 09, 2021 6:42 am
Forum: Personal Finance (Not Investing)
Topic: So now you're dead -- how does your executor find all your accounts & bills?
Replies: 70
Views: 9279

Re: So now you're dead -- how does your executor find all your accounts & bills?

I have master lists. All the accounts, all the direct debits and deposits, all the subscriptions including online. Separate list also for all the income tax docs that are received and when to expect them. This latter list is also used as a checklist for tax prep and for an active file I keep a chang...
by jebmke
Tue Jun 08, 2021 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Child tax credit changes -- monthly refund
Replies: 32
Views: 1867

Re: Child tax credit changes -- monthly refund

28fe6 wrote: Tue Jun 08, 2021 10:08 am For those unchilded, the federal child tax credit is substantial.
I assume you mean "For those not familiar with the credit ...." I assume taxpayers without eligible children would not get a "substantial" credit.
by jebmke
Tue Jun 08, 2021 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Child tax credit changes -- monthly refund
Replies: 32
Views: 1867

Re: Child tax credit changes -- monthly refund

This sounds mostly like a rant. It is clear that what you need to do is adjust your withholding if you aren’t able to opt out or until you opt out. No one ever claimed the actions of the Federal Government or IRS was logical. Cheers I suspect this is one of those things where they had to make a dec...
by jebmke
Mon Jun 07, 2021 5:15 pm
Forum: Personal Investments
Topic: Let's say I want to retire - what are my expenses?
Replies: 32
Views: 3504

Re: Let's say I want to retire - what are my expenses?

You are looking at it from a top down approach. Which i think can work fine if you have a strong belief that your retirement lifestyle is going to be similar to how you are living now. It seems to me that at age 36, that may be too young to really have a good handle on that. Agree; that far out it ...
by jebmke
Mon Jun 07, 2021 2:56 pm
Forum: Personal Investments
Topic: Let's say I want to retire - what are my expenses?
Replies: 32
Views: 3504

Re: Let's say I want to retire - what are my expenses?

You assumption about health insurance, "roughly equal to what I may through my employer now ($14k annual)", is very wrong. I suggest shopping for a health insurance plan, to see what health insurance actually costs in your area. plus out of pocket costs + cost of uninsured items. The latt...
by jebmke
Mon Jun 07, 2021 2:54 pm
Forum: Personal Investments
Topic: Let's say I want to retire - what are my expenses?
Replies: 32
Views: 3504

Re: Let's say I want to retire - what are my expenses?

You will need to look at what your expenses will be, not what they are.
by jebmke
Mon Jun 07, 2021 1:00 pm
Forum: Personal Consumer Issues
Topic: Cicadas
Replies: 76
Views: 8574

Re: Cicadas

Was up at the northern border with PA (MD/PA line) last week on a birding trip. In wooded areas it was almost deafening - sounded like invaders from Mars. Lots of flying insects. Important to keep mouth closed in dense areas.
by jebmke
Sun Jun 06, 2021 4:06 pm
Forum: Personal Investments
Topic: Quick 1040 Question
Replies: 4
Views: 339

Re: Quick 1040 Question

It isn’t on that form.
by jebmke
Sun Jun 06, 2021 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about my Mom's investment
Replies: 28
Views: 2724

Re: Mom Involved with Financial Advisor

hachiko wrote: Sun Jun 06, 2021 1:13 pm I definitely thought this thread was going to go a different way based on the title.
Same; had to read the post twice to make sure I didn't miss something.

One way to attract clicks, I guess.
by jebmke
Sun Jun 06, 2021 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, Any reason NOT to roll over my 401k to my IRA
Replies: 12
Views: 1423

Re: Retired, Any reason NOT to roll over my 401k to my IRA

I understand that the 401k may have greater protection from creditors and lawsuits, depending on the laws of your state. Otherwise, no. Also, in my state, 401(k) withdrawals are eligible for the pension exclusion (if otherwise qualified and subject to the exclusion maximum) whereas IRA withdrawals ...