Search found 8228 matches

by jebmke
Thu Sep 20, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 24
Views: 1036

Re: Another Wifi extender thread

Depending on what you need the wifi for in the bedroom, any reasonable extender will probably get the job done. In addition to the one linked earlier, this is another option. https://www.amazon.com/dp/B00NR2VMNC?tag=thewire06-20&linkCode=xm2&ascsubtag=AgEAAAAAAAAAAR7q If you have high bandwidth need...
by jebmke
Wed Sep 19, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 97
Views: 6904

Re: Did you really have something to retire to?

We did. But events conspired against us. We adapted easily. I think it is ok to have plans and aspirations but I would urge you not to fixate too much on one thing and be prepared to adjust depending on how things go.
by jebmke
Wed Sep 19, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Guaranteed access for Medigap policies
Replies: 29
Views: 1540

Re: Guaranteed access for Medigap policies

My conclusion is that many Physicians are popular with patients because they tell the patients what the patient wants to hear - even if not medically correct. I agree; plus, a lot of people don't know how (or are unwilling) to manage their relationship with their physician so they probably end up o...
by jebmke
Wed Sep 19, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1193

Re: Attic Insulation Removal/Replacement Costs

OP again - we do have soffit vents and the company will be installing the baffles to let them breathe. Currently the soffit vents are completely covered by insulation! I am a big DIYer and pretty handy but I agree with the posts above, some things just aren’t worth the trouble for the savings. I wi...
by jebmke
Tue Sep 18, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1193

Re: Attic Insulation Removal/Replacement Costs

Echo the recommendations to make sure that all attic penetrations are sealed, including wall plates. We added insulation on top of existing but the major gain was from sealing.
by jebmke
Mon Sep 17, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: retroactive change to State Retirement plan illegal?
Replies: 17
Views: 1909

Re: retroactive change to State Retirement plan illegal?

Illegal? Probably not Here in Maryland, the retired state employees are fuming because it was announced their Rx drug plan is being eliminated and everyone was told they had so many days to sign up with a Medicare Part D PDP. Their retiree drug coverage program had been "promised" to them as one of...
by jebmke
Mon Sep 17, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another SS question - filing sequence
Replies: 3
Views: 441

Yet another SS question - filing sequence

Me: DOB: Jan, 1953 Monthly SS @ FRA: $2,590 Spouse: DOB: Sept, 1953 Monthly SS @ FRA: $1,409 When I run this through Opensocialsecurity tool I get The strategy that maximizes the total dollars you can be expected to spend over your lifetimes is as follows: Your spouse files for his/her retirement be...
by jebmke
Mon Sep 17, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Amended tax return problem 1040x
Replies: 7
Views: 340

Re: Amended tax return problem 1040x

I agree with Gill and Mark. The IRS really doesn't do "netting."
by jebmke
Sun Sep 16, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 58
Views: 5290

Re: I see now why Rollovers can take FOREVER ....

Even doubly stupid: My previous employer set up our 401k at Vanguard (yay!). My rollover IRA is at Vanguard. You would think this could mean it could all be done electronically, but, no, I have to have the Vanguard 401k cut a check, which is mailed to me, which I then mail back to Vanguard for depo...
by jebmke
Sun Sep 16, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Adding late year $ to portfolio...
Replies: 4
Views: 629

Re: Adding late year $ to portfolio...

Thank you jebmke…fair to say the CD’s should be standalone from another institution? Reflecting on my options with the new $, I was originally just going to put it into my taxable account’s equities (my normal). That would skew my AA for a handful of months until 2019 401k contributions would allow...
by jebmke
Sun Sep 16, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 58
Views: 5290

Re: I see now why Rollovers can take FOREVER ....

I suspect it is highly dependent on the institution. In 2013 I rolled a mixed 401(k) - after-tax money and pre-tax money separately to a new ROTH Ira and a Traditional IRA respectively. Including setting up the IRA accounts, the entire process took less than 30 minutes. This was a 401(k) held at Fid...
by jebmke
Sun Sep 16, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Tax Reduction moves this year
Replies: 11
Views: 1245

Re: Looking for Tax Reduction moves this year

trueblueky wrote:
Sun Sep 16, 2018 3:08 pm
Pay your quarterly estimated tax tomorrow to avoid penalty on underpayment.
Since this is appears to be a non-recurring item, the OP may be fine with the safe harbor rules and not need to pay an estimate in order to avoid a penalty.
by jebmke
Sun Sep 16, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Adding late year $ to portfolio...
Replies: 4
Views: 629

Re: Adding late year $ to portfolio...

Nothing wrong with owning CDs. They would not be very tax efficient in a taxable account for you.
by jebmke
Sun Sep 16, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Looking for Tax Reduction moves this year
Replies: 11
Views: 1245

Re: Looking for Tax Reduction moves this year

If you have other capital assets with unrealized losses you can sell them and use the loss to reduce the capital gain.
by jebmke
Sat Sep 15, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Question about performance had for Vang. Interm. Muni
Replies: 1
Views: 160

Re: Question about performance had for Vang. Interm. Muni

My understanding is that the performance data includes interest (and dividends) for the funds listed.
by jebmke
Fri Sep 14, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on Cap Gain Distributions and Dividends in a self directed IRA. How to handle at age 65 ?
Replies: 6
Views: 235

Re: Taxes on Cap Gain Distributions and Dividends in a self directed IRA. How to handle at age 65 ?

Gaspar18 wrote:
Fri Sep 14, 2018 3:52 pm
At age 65, when I withdraw money out of the IRA, do I have to figure out all the gains and distributions for the taxes, or is the withdrawal treated as if it were a salary/wages ?
It will be reported on the 1040 (or whatever form is the main form) as ordinary income.
by jebmke
Fri Sep 14, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 80
Views: 5701

Re: Leasing Cars in Retirement

We just bought a Camry; rebate paid for the down payment and the financing is zero percent.
by jebmke
Thu Sep 13, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 9
Views: 563

Re: Windows 10

Depending on which version you have you can control most of the updates. I switched the settings on my network connection to "metered" and it won't download and install most updates. Once a month or so I turn off "metered" and do a mass update. Most of the ones I've seen lately are security update o...
by jebmke
Thu Sep 13, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Outback, Legacy, Camry Hybrid
Replies: 14
Views: 743

Re: Outback, Legacy, Camry Hybrid

We have a 2018 Camry Hybrid. It is my wife's car. I find it quite low and cumbersome to get in and out of. It is comfortable enough once I'm in there. Since I drive a RAV4 (older model), I also find the entire car low to the ground so visibility is not as good as I get with the RAV. I don't drive it...
by jebmke
Thu Sep 13, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4070

Re: I need a chainsaw to trim branches and limbs!!

dm200 wrote:
Thu Sep 13, 2018 1:42 pm
Hire someone who:

1. Has the right equipment
2. Knows what he/she is doing
This is what I do. I don't even like to watch the pros with chain saws and wood chippers.
by jebmke
Wed Sep 12, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2662

Re: Picking a Charity

StealthRabbit wrote:
Wed Sep 12, 2018 5:27 pm
send your QCD to grandkid's or friend's tuition...
This is not allowed.
by jebmke
Wed Sep 12, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2662

Re: Picking a Charity

sport wrote:
Wed Sep 12, 2018 4:46 pm
However, you cannot make a QCD to a donor advised fund.
Correct. And apparently one cannot make a QCD anonymously which is a drawback.
by jebmke
Wed Sep 12, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2662

Re: Picking a Charity

It's a very personal decision. I tend to choose local charities that I feel don't get a lot of attention and that don't constantly bug me for money, e.g., the local public library, local drug rehabilitation programs, local women's shelters, local children's homes. Not to dissuade you from local cha...
by jebmke
Wed Sep 12, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2460

Re: Anyone into Essential Oils?

We use a couple to repel mosquitoes.
by jebmke
Wed Sep 12, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2662

Re: Picking a Charity

We focus quite a bit on local charities. That way we get to see what they are doing and the impact shows up in our local community.
by jebmke
Tue Sep 11, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Avoiding creeping complexity
Replies: 14
Views: 1411

Re: Avoiding creeping complexity

What do you do to stop complexity from creeping into your portfolio? Or don't you care? I started down the road toward simplification when I was first contemplating retiring. That was in 2004 (the contemplation, not the retirement). I realized that I couldn't do it all at once so I made a few moves...
by jebmke
Tue Sep 11, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9623

Re: vanguard "Go to Holdings Summary" vs "Balances and holdings"

There have been other threads on this. My account still goes directly to the Balances and Holdings when I click on an account. I have not seen a change in my interface for a long time. It may be that they are rolling out a new UI and just have not gotten to me.
by jebmke
Mon Sep 10, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6390

Re: Hurricane Florence - survival guide

My parents live on an island off Charleston. They're in their 70s and leaving town tomorrow morning, got gas and water for the drive yesterday. I'll add a few things I wouldn't have thought of to your list for people who choose to evacuate since this is the third time in three years they've done th...
by jebmke
Mon Sep 10, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6390

Re: Hurricane Florence - survival guide

In my area we normally get major rain events and some high wind with a hurricane. Even with Isabel the water did not come up to the house. One thing we do is pump our pool down as low as practical so the incoming rain doesn't swamp the system. If the pool overflows some of the overflow will run back...
by jebmke
Sun Sep 09, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4487

Re: $250,000 family loan to parents?

HEDGEFUNDIE wrote:
Sun Sep 09, 2018 11:36 am
Why not just gift them the money and then have them gift it back.
constructively this is a loan. Calling it gifts doesn't change this.
by jebmke
Sun Sep 09, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: New to Donor Advised Funds, need guidance
Replies: 22
Views: 1526

Re: New to Donor Advised Funds, need guidance

I've had a great experience with Fidelity. Their website is easy to navigate. They have low-cost index funds. They link with Guidestar, to be able to research charities. I funded my DAF with my highest appreciated lot from a tech-heavy ETF, thus saving me a lot of money compared to what cashing it ...
by jebmke
Sat Sep 08, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: New to Donor Advised Funds, need guidance
Replies: 22
Views: 1526

Re: New to Donor Advised Funds, need guidance

If you have an IRA, keep in mind that Qualified Charitable Distributions can be made from IRAs once you reach RMD age. For some people this is a more effective way to give to charity at that point. So, as you look at funding your DAF, think about whether you want to fund it for donations past that a...
by jebmke
Sat Sep 08, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2970

Re: Buying a new Toyota Camry. What extra options if any?

Don't drive the v6 - it isn't an option on the LE. And after you drive a v6 it is hard to want the 4 cylinder. The 4-cyl is underpowered. But I hear you can get it going 80mph going down a mountain. I have a 4-cyl. With the 6-speed transmission, it has adequate power. I believe the new ones have an...
by jebmke
Sat Sep 08, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2970

Re: Buying a new Toyota Camry. What extra options if any?

bb wrote:
Sat Sep 08, 2018 3:19 pm
Don't drive the v6 - it isn't an option on the LE. And after you
drive a v6 it is hard to want the 4 cylinder.
The 4-cyl is underpowered. But I hear you can get it going 80mph going down a mountain.
by jebmke
Sat Sep 08, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2970

Re: Buying a new Toyota Camry. What extra options if any?

Livesoft, why were you driving 80 mph on a mountain? And why are you going that fast if it feels "squirrelly"? I was trying to kill myself. We find that sometimes the sensors pick up the guardrails if they are fairly close to the side of the road. Another reason why I shut off the safety systems. F...
by jebmke
Sat Sep 08, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2970

Re: Buying a new Toyota Camry. What extra options if any?

order to not pay for factory navigation (googlemaps on a smart phone works better). It can take two to four months, but so what? This was the standard process for buying cars when we were living in Europe. You order exactly what you want and get it in a couple of months. They rarely build to stock....
by jebmke
Sat Sep 08, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2970

Re: Buying a new Toyota Camry. What extra options if any?

FIREchief wrote:
Sat Sep 08, 2018 1:40 pm
I would refuse a car with a Sun/Moon roof even if it were free.
When we were looking at 2018s it was impossible to find one without. We just keep the sliding cover over it permanently.
by jebmke
Sat Sep 08, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2970

Re: Buying a new Toyota Camry. What extra options if any?

I would get the option that turns it into a Highlander or Rav4. My wife has a 2018 Camry Hybrid. She likes it but I don't care for it. Very low. Also a bit awkward getting in and out for me and I am only 5'11" I find all the safety electronics quite distracting so when I drive it I shut them all off...
by jebmke
Fri Sep 07, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Rec. for a specific type of internet router
Replies: 33
Views: 1469

Re: Rec. for a specific type of internet router

some mesh systems allow wired backhaul; I don't know about Google's. But the size of the space doesn't warrant anything more than a single drop so a mesh doesn't make sense to me either. The TP-Link router you link to is an excellent choice.
by jebmke
Fri Sep 07, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Rec. for a specific type of internet router
Replies: 33
Views: 1469

Re: Rec. for a specific type of internet router

Get a couple of power line ethernet adaptors/transceivers. I believe many of them will generate their own wifi signal where every you place them in the house so no need for a secondary router. The electrical wiring in older houses often don't do well with powerline. It might be worth a try if they ...
by jebmke
Fri Sep 07, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: K1 delay and taxes
Replies: 15
Views: 1326

Re: K1 delay and taxes

Extensions are just part of getting older and getting a more complicated tax situation. The trick is to remember that April 15 isn't a real filing deadline, it is a payment deadline. The filing deadline is October 15. Any payment in April is more like another estimated tax payment. In fact, if they...
by jebmke
Fri Sep 07, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Rec. for a specific type of internet router
Replies: 33
Views: 1469

Re: Rec. for a specific type of internet router

For that size space, a single router would probably work. I'd figure out how to shut down the routing in the cable modem (it sounds like a combination cable modem/router) and then drop the router off the ethernet cable on the main floor and let the remote router do all the routing. There should be a...
by jebmke
Fri Sep 07, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: K1 delay and taxes
Replies: 15
Views: 1326

Re: K1 delay and taxes

I haven't filed in April in decades. One year I even filed in January of the following year. It is no more or less work to complete a preliminary return, file and extension and the make a final filing in September/early October. The IRS doesn't really care one way or the other. That reminds me, I ne...
by jebmke
Fri Sep 07, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: What sort of account could my MIL have just set up for my husband?
Replies: 5
Views: 589

Re: What sort of account could my MIL have just set up for my husband?

If she has IRAs should could be completing the beneficiary information; or TOD transfer instructions for bank accounts.
by jebmke
Fri Sep 07, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: [security] Log into dummy account on Windows/phone?
Replies: 6
Views: 482

Re: [security] Log into dummy account on Windows/phone?

Why not travel with a basic notebook with Linux or something on it and VPN back to your system at home if you need something.

When I was working we were required to use laptops with whole-disk encryption. Three wrong encryption keys would brick the system.
by jebmke
Fri Sep 07, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Tax-exempt interest to reduce IRMAA?
Replies: 15
Views: 912

Re: Tax-exempt interest to reduce IRMAA?

retiredjg wrote:
Thu Sep 06, 2018 6:22 pm
Well, yeah....if your tax-exempt bonds have a lower return then the IRMAA would be lower. :happy
The returns might be lower on a pre-tax basis but usually they would be as-good or better on an after-tax basis. Otherwise, why would people hold them?
by jebmke
Thu Sep 06, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-exempt interest to reduce IRMAA?
Replies: 15
Views: 912

Re: Tax-exempt interest to reduce IRMAA?

If you are asking me, I don't know why it would be lower. Suppose I start with $100 of income. $10 of it is taxable bonds from 10% yield. My MAGI is $100, right? If I sell the taxable bonds and buy TE bonds with 8% yield, my TE income is 8 and my other income is 90. Now, my MAGI is $98. The outcome...
by jebmke
Thu Sep 06, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-exempt interest to reduce IRMAA?
Replies: 15
Views: 912

Re: Tax-exempt interest to reduce IRMAA?

But shifting from taxable bonds to TE bonds should produce lower AGI+TE income (in the former case, the AGI will be all inclusive with zero TE income), correct?
by jebmke
Thu Sep 06, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2571

Re: How do you handle Healthcare costs in retirement

We both have regular Medicare, a "G" supplemental plan and a basic Rx plan. Don't ignore costs for things that are not covered by Medicare (e.g. dental work, a lot of eye related care for example) -- these can add up. We handle these out of pocket. Some Medicare Advantage plans cover some of these I...