Search found 13136 matches

by jebmke
Tue Aug 03, 2021 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Were your last few career years a slog?
Replies: 48
Views: 4803

Re: Were your last few career years a slog?

I think that's a bit of an exaggeration. Plenty of people have a number of "good years" into their 70s and sometimes even 80s. A former colleague of mine just turned 95. He is still writing books and plans to go back to Paris later this summer on his annual trip (disrupted last year). I h...
by jebmke
Tue Aug 03, 2021 10:36 am
Forum: Personal Investments
Topic: X expenses in different types of accounts
Replies: 14
Views: 798

Re: X expenses in different types of accounts

This is an extension of a previous post/question. If one has 25x in Roth vs 25x in pretax, isn't the Roth option going to result in more dollars available and therefore will not require the full 25x to be equal to 25x in pretax? If this is true then what would be an estimate of the percentage diffe...
by jebmke
Tue Aug 03, 2021 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Redirect tax refund (not received) to estimated taxes?
Replies: 11
Views: 504

Re: Redirect tax refund (not received) to estimated taxes?

Were either or both e-filed or paper? Everything was paper filed. That will complicate things further. If the original return were e-filed but not fully processed, someone processing a paper amendment might see an in-process return in the system. It could be that their system is able to hold an ame...
by jebmke
Tue Aug 03, 2021 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Redirect tax refund (not received) to estimated taxes?
Replies: 11
Views: 504

Re: Redirect tax refund (not received) to estimated taxes?

psteinx wrote: Tue Aug 03, 2021 10:13 am Anyways, I filed originals, then amendments a few weeks later. Originals still not processed as of ~yesterday, ~3.5 months after filing, and who knows when they'll (both fed and state) actually get processed...
Were either or both e-filed or paper?
by jebmke
Tue Aug 03, 2021 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Redirect tax refund (not received) to estimated taxes?
Replies: 11
Views: 504

Re: Redirect tax refund (not received) to estimated taxes?

FWIW, I already filed one set of amendments (Fed & state) for these returns (error in original - amended return raised tax liability computations, so I made payments with the amendments. Since the originals have not been processed, I assume the amendeds have not either (though the checks for th...
by jebmke
Tue Aug 03, 2021 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Redirect tax refund (not received) to estimated taxes?
Replies: 11
Views: 504

Re: Redirect tax refund (not received) to estimated taxes?

I don't think they can specifically be redirected to estimated payments, but they could be applied to 2021's tax liability, which is about the same thing. File an amended return? I'm thinking this way too. Not sure if this will work. The amendment normally needs to be processed after the original r...
by jebmke
Mon Aug 02, 2021 5:31 pm
Forum: Personal Consumer Issues
Topic: How Do You Tell Who Is Winning The Olympics
Replies: 9
Views: 783

Re: How Do You Tell Who Is Winning The Olympics

I just focus on specific events. I like watching the competition. Hassan's finish in the 1,500 meter heat after falling down was incredible.
by jebmke
Mon Aug 02, 2021 3:40 pm
Forum: Personal Consumer Issues
Topic: Best office chair less than $750
Replies: 13
Views: 1200

Re: Best office chair less than $750

Have you checked wire cutter?
by jebmke
Mon Aug 02, 2021 2:29 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1405
Views: 72702

Re: Bird watchers – what birds are you seeing?

Here is week 2; when crammed in there they don't look all that much bigger than week 1. Certainly more feathers, it seems. But they are asleep again (except the one who seems to be giving me the evil eye https://i.postimg.cc/dQp0HNmT/BBS-0802.jpg Two Eastern Bluebird nest boxes with chicks. Hatched ...
by jebmke
Mon Aug 02, 2021 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Updating will & trust; lawyer retired
Replies: 11
Views: 1377

Re: Updating will & trust; lawyer retired

J295 wrote: Mon Aug 02, 2021 6:52 am 1. Have a lawyer in state 1 facilitate the changes you desire. Often retired lawyers have their client matters handled by others in their firm, is that not an option here?
This is why I never look at one-man operations or firms with no depth.
by jebmke
Sun Aug 01, 2021 5:46 pm
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 151
Views: 6708

Re: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?

runner9 wrote: Sun Aug 01, 2021 5:42 pm Just a guess: do you have return ducts on the 2nd floor?
OP says the old system worked -- so I struggle to conclude it is a duct problem unless something was disrupted.
by jebmke
Sun Aug 01, 2021 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Were your last few career years a slog?
Replies: 48
Views: 4803

Re: Were your last few career years a slog?

^ and that was 10-20 good years after attaining age 50 :shock:

I'm 68 - two years left. :?

it was nice knowing y'all
by jebmke
Sun Aug 01, 2021 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Were your last few career years a slog?
Replies: 48
Views: 4803

Re: Were your last few career years a slog?

I think that's a bit of an exaggeration. Plenty of people have a number of "good years" into their 70s and sometimes even 80s. A former colleague of mine just turned 95. He is still writing books and plans to go back to Paris later this summer on his annual trip (disrupted last year). I h...
by jebmke
Sun Aug 01, 2021 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!
Replies: 35
Views: 2790

Re: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!

The problem is that the standard deduction was increased to offset removing a whole bunch of deductions such as mortgage, state income tax etc. I guess we'll see if we keep on or regress. If its the later I expect they would re-instate all the deductions they took away. The mortgage interest deduct...
by jebmke
Sun Aug 01, 2021 8:09 am
Forum: Personal Consumer Issues
Topic: Should I buy a new PC vs upgrade
Replies: 56
Views: 3333

Re: Should I buy a new PC vs upgrade

JoeRetire wrote: Sun Aug 01, 2021 6:19 am If you really need to store your photos/data locally, buy a new computer. Otherwise buy a Chromebook.
Chromebook can also access a USB drive, correct? Local stuff could be on a remote drive.
by jebmke
Sun Aug 01, 2021 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Were your last few career years a slog?
Replies: 48
Views: 4803

Re: Were your last few career years a slog?

Best years of my career; worked hard but most rewarding and interesting.
by jebmke
Sun Aug 01, 2021 6:50 am
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 151
Views: 6708

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

They shouldn’t have to charge a new system “some more.” Either the system is not working properly, not installed properly or undersized it seems to me. Did they do a Manual J calculation when they first specified the order? This ^^^. If it is not leaking, then adding more simply overcharges the sys...
by jebmke
Sun Aug 01, 2021 6:07 am
Forum: Personal Consumer Issues
Topic: New two stage heating and single stage cooling trane system issues cooling the house cant lower temp much in day?
Replies: 151
Views: 6708

Re: New two stage heating and cooling trane system issues cooling the house cant lower temp much in day?

They shouldn’t have to charge a new system “some more.” Either the system is not working properly, not installed properly or undersized it seems to me. Did they do a Manual J calculation when they first specified the order?
by jebmke
Sat Jul 31, 2021 5:47 pm
Forum: Personal Investments
Topic: Nearly all fixed income in cash: Wrong decision?
Replies: 64
Views: 6200

Re: Nearly all fixed income in cash: Wrong decision?

reln wrote: Sat Jul 31, 2021 5:10 pm Investing in bonds now is silly.
I've been hearing that since I retired in December, 2007
by jebmke
Sat Jul 31, 2021 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!
Replies: 35
Views: 2790

Re: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!

jayoco wrote: Sat Jul 31, 2021 4:00 pm I believe you need earned income to contribute to a Roth.
Not if you are simply converting a Traditional IRA to a Roth IRA.
by jebmke
Sat Jul 31, 2021 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!
Replies: 35
Views: 2790

Re: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!

I guess I am thinking of the people who want to reduce tax-deferred accounts before RMDs actually start. Doing QCDs that extra year (2 years?) might help some of them. As I understand it, DAF donations are only taxable funds, not IRA. But I've never done one and could be wrong. Correct; if you want...
by jebmke
Sat Jul 31, 2021 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!
Replies: 35
Views: 2790

Re: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!

Once you reach the age of 71.5, you are eligible for QCDs. These are even better than deductions. We use QCDs for all of our charity donations and the standard deduction for everything else. 70 1/2 But it doesn't really generate a deduction until you start RMDs which is generally age 72 for anyone ...
by jebmke
Sat Jul 31, 2021 1:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5300
Views: 1360738

Re: What Book Are You Currently Reading? Part VI

Just starting “The Dry” by Jane Harper
by jebmke
Sat Jul 31, 2021 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!
Replies: 35
Views: 2790

Re: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!

Once you reach the age of 71.5, you are eligible for QCDs. These are even better than deductions. We use QCDs for all of our charity donations and the standard deduction for everything else. 70 1/2 But it doesn't really generate a deduction until you start RMDs which is generally age 72 for anyone ...
by jebmke
Sat Jul 31, 2021 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!
Replies: 35
Views: 2790

Re: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!

We no longer have a mortgage and 99% of our charitable donations come out of our Donor Advised Fund (previously deducted while in a high tax bracket) so we are consigned to standard deduction going forward. For us it was $27,400 for 2020 since we are over 65.
by jebmke
Sat Jul 31, 2021 9:38 am
Forum: Personal Investments
Topic: Calculating X expenses w/3.15M
Replies: 30
Views: 3890

Re: Calculating X expenses w/3.15M

When I was doing this calc, I used as-reported (pre-tax) portfolio value and expense estimate included my best estimate of income taxes.
by jebmke
Fri Jul 30, 2021 7:48 pm
Forum: Personal Consumer Issues
Topic: Restricting access to a private community pool?
Replies: 67
Views: 6285

Re: Restricting access to a private community pool?

z91 wrote: Fri Jul 30, 2021 7:41 pm I've heard some places use neckbands with a "pool pass" to identify folks that are supposed to be in, but don't know how well that actually works.
It was a very long time ago but that is what I recall from my youth. We had wrist-bands with a tag.
by jebmke
Fri Jul 30, 2021 7:45 pm
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 183
Views: 15733

Re: Close to retirement - locking in gains with each new market high

abc132 wrote: Fri Jul 30, 2021 7:01 pm it is how the portfolio behaves that matters.
Sometimes equally important is how the investor behaves.
by jebmke
Fri Jul 30, 2021 1:41 pm
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 183
Views: 15733

Re: Close to retirement - locking in gains with each new market high

HomerJ wrote: Fri Jul 30, 2021 1:35 pm You're 100% right marco, but I'm not making a bet to optimize gains. I know this method is very likely to make me less.
Unfortunately some don't seem to recognize that optimizing gains isn't always the #1 goal.
by jebmke
Fri Jul 30, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: Do you have a "man garage" away from your home?
Replies: 62
Views: 5504

Re: Do you have a "man garage" away from your home?

We purposely bought our house with no attic and no basement to avoid having a place where stuff accumulates. A remote garage would defeat the purpose for me.
by jebmke
Fri Jul 30, 2021 12:56 pm
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 482
Views: 27872

Re: VG Removing Message Center

One problem with live chat is that if the person on the other end needs to do any kind of research or consult an expert, you really get nowhere with them. It is more of a synchronous model. The message center allows you to deal with an issue asynchronously.
by jebmke
Fri Jul 30, 2021 12:55 pm
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 183
Views: 15733

Re: Close to retirement - locking in gains with each new market high

One more year is a tough mistress to break up with. I solved this by not having “a number” Was it age? Was it your boss telling you your retired? Was it someone who just bought your business and I formed you that you are done? I reached a point where I had done everything I wanted to do. I changed ...
by jebmke
Fri Jul 30, 2021 11:55 am
Forum: Personal Investments
Topic: Calculator: Taxes owed in retirement
Replies: 14
Views: 1640

Re: Calculator: Taxes owed in retirement

I doubt that any calculators would do any better than a recent copy of tax software. The major effort is in defining taxable income which I doubt any calculators can do. Even the tax software doesn't do much in that regard. You have to know the tax characteristics of each of your withdrawals (e.g. b...
by jebmke
Fri Jul 30, 2021 11:51 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1405
Views: 72702

Re: Bird watchers – what birds are you seeing?

On my morning walk.

"Gotta go"

Image

Image
by jebmke
Fri Jul 30, 2021 11:30 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 482
Views: 27872

Re: VG Removing Message Center

I just logged in and did not get any message about the Message Center. This would be disappointing if they eliminate it. Most of the time, their reply to me is "Call" - indicating that they don't answer questions other than basic ones via message. However, in the past I have had a couple o...
by jebmke
Fri Jul 30, 2021 10:45 am
Forum: Personal Consumer Issues
Topic: Another Where to Retire Thread - Waterfront Towns?
Replies: 109
Views: 11102

Re: Another Where to Retire Thread - Waterfront Towns?

1.5-2 hour drive to Boston for medical care That doesn't sound like "far" in terms of time but I can attest that it adds up over time. Consider also what it means for an aging spouse who might have to do all the driving both ways. That's our range to a hospital in Baltimore on a good day....
by jebmke
Fri Jul 30, 2021 10:04 am
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 183
Views: 15733

Re: Close to retirement - locking in gains with each new market high

One more year is a tough mistress to break up with. I solved this by not having “a number” Was it age? Was it your boss telling you your retired? Was it someone who just bought your business and I formed you that you are done? I reached a point where I had done everything I wanted to do. I changed ...
by jebmke
Fri Jul 30, 2021 9:49 am
Forum: Personal Finance (Not Investing)
Topic: How often do you get new glasses?
Replies: 45
Views: 2669

Re: How often do you get new glasses?

When I need them
by jebmke
Fri Jul 30, 2021 6:46 am
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 183
Views: 15733

Re: Close to retirement - locking in gains with each new market high

EnjoyIt wrote: Thu Jul 29, 2021 9:23 pm One more year is a tough mistress to break up with.
I solved this by not having “a number”
by jebmke
Thu Jul 29, 2021 11:55 am
Forum: Investing - Theory, News & General
Topic: Close to retirement - locking in gains with each new market high
Replies: 183
Views: 15733

Re: Close to retirement - locking in gains with each new market high

Nothing wrong with moving to a more conservative allocation approaching retirement. We did the same thing. I didn't do it by selling (tax hit would have been prohibitive), I used new money which all went to bonds.
by jebmke
Thu Jul 29, 2021 11:00 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Venture Capital as a small investor?
Replies: 27
Views: 2286

Re: Do you invest in Venture Capital as a small investor?

I don't invest in anything that isn't liquid. No VC, no PE, no metals, no RE.
by jebmke
Thu Jul 29, 2021 7:28 am
Forum: Personal Consumer Issues
Topic: Telephone Recorder
Replies: 6
Views: 897

Re: Telephone Recorder

yes; I always let people know on the call and then the minutes make a note that the meeting was recorded. I delete my recording after I have finished extracting my notes.
by jebmke
Thu Jul 29, 2021 7:25 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1405
Views: 72702

Re: Bird watchers – what birds are you seeing?

https://smnewsnet.com/archives/493979/two-juvenile-ospreys-euthanized-for-maintenance-of-calvert-county-ball-park-lights/ Headline news - two-juvenile-ospreys-euthanized-for-maintenance-of-calvert-county-ball-park-lights I live in a county run by STUPID people !!!!!!! Truly don't know what to say, ...
by jebmke
Thu Jul 29, 2021 6:57 am
Forum: Personal Consumer Issues
Topic: Telephone Recorder
Replies: 6
Views: 897

Re: Telephone Recorder

On rare occasions I have done this for conference calls to simplify note taking. I have used the speakerphone on my cordless landline and voice recorder on my smartphone — side by side.
by jebmke
Wed Jul 28, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1405
Views: 72702

Re: Bird watchers – what birds are you seeing?

The new sound ID feature seems to use the same technology as the BirdNET app, which I've used for a while and seems to work quite well for most species (as long as it's not too windy). As the article says, it's not 100% accurate, but it usually gives a good starting point for a song/call ID. Tried ...
by jebmke
Wed Jul 28, 2021 8:39 am
Forum: Personal Consumer Issues
Topic: Best way to learn golf
Replies: 34
Views: 3318

Re: Best way to learn golf

Our public course has a pro on staff and one or two contract golf instructors who are available depending on demand. Typically they are retired pros from a CC or other course in the wider geographic area. I used that to re-learn the game; have since quit playing due to arthritis in hands but it was ...
by jebmke
Wed Jul 28, 2021 8:24 am
Forum: Personal Consumer Issues
Topic: Route Package Protection
Replies: 1
Views: 276

Route Package Protection

Was recently ordering an item online and noticed at checkout that there was an added fee $2.95 for "Route Package Protection" I backed up in my browser and discovered a small pre-selected toggle; when I toggled off Route Package Protection a notice came up that by deselecting that, the ven...
by jebmke
Wed Jul 28, 2021 8:00 am
Forum: Personal Consumer Issues
Topic: Unforeseen Maintenance Requirements Due to Relocation
Replies: 39
Views: 2927

Re: Unforeseen Maintenance Requirements Due to Relocation

StevieG72 wrote: Wed Jul 28, 2021 7:53 am Welcome to the east coast, hurricane season won’t be much fun either!
but generally no earthquakes and low risk of massive wild fires.
by jebmke
Wed Jul 28, 2021 7:57 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1405
Views: 72702

Re: Bird watchers – what birds are you seeing?

In terms of banding, scientists use this method to track bird species and populations etc. I'm (slowly) reading a book on bird migration. One scientist described some "ace" observers on a counting mission in China being able to read the tracking info on shorebird bands from 900 yards with...
by jebmke
Tue Jul 27, 2021 5:18 pm
Forum: Personal Consumer Issues
Topic: Another Where to Retire Thread - Waterfront Towns?
Replies: 109
Views: 11102

Re: Another Where to Retire Thread - Waterfront Towns?

1.5-2 hour drive to Boston for medical care That doesn't sound like "far" in terms of time but I can attest that it adds up over time. Consider also what it means for an aging spouse who might have to do all the driving both ways. That's our range to a hospital in Baltimore on a good day....