Search found 13108 matches

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: 119
Views: 8086

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: 28
Views: 1646

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
Replies: 74
Views: 5350

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: 119
Views: 8086

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: 11
Views: 790

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: 1400
Views: 72155

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
Replies: 74
Views: 5350

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: 89
Views: 8729

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: 119
Views: 8086

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: 41
Views: 1778

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: 119
Views: 8086

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: 119
Views: 8086

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: 18
Views: 1024

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: 5
Views: 636

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: 1400
Views: 72155

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: 5
Views: 636

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: 1400
Views: 72155

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: 3227

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: 266

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: 2830

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: 1400
Views: 72155

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: 89
Views: 8729

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
Tue Jul 27, 2021 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dumb Question...am I suppose to do separate record keeping of my taxable accounts?
Replies: 12
Views: 1599

Re: Dumb Question...am I suppose to do separate record keeping of my taxable accounts?

I keep my own records on my basis for all taxable assets; funds, ETFs, home, IRA. I do few transactions so it is easy enough and if there is a glitch, I have my own records. A complete copy gets printed and stuck in my notebook for my spouse in case I become incapacitated or end up on the wrong side...
by jebmke
Tue Jul 27, 2021 12:13 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1400
Views: 72155

Re: Bird watchers – what birds are you seeing?

Trip today to Bombay Hook, DE. A lot of the usual suspects -- Egrets, herons, Dowitchers, Avocets, Sandpipers, Plovers, Yellow-legs. Bonus bird of the day was 3 Roseate Spoonbills - normally a bird you see in Florida, they are starting to appear very infrequently in the mid-Atlantic. Also a Common G...
by jebmke
Mon Jul 26, 2021 4:44 pm
Forum: Personal Consumer Issues
Topic: Another Where to Retire Thread - Waterfront Towns?
Replies: 89
Views: 8729

Re: Another Where to Retire Thread - Waterfront Towns?

It would be good to add "access to good healthcare" to your list of criteria. Agree; also access to transportation hub (esp. airport). That can cut out a lot. I live on Delmarva so a visit to many medical providers and any decent hospital is a trip across the Bay Bridge. On a good day, 1-...
by jebmke
Mon Jul 26, 2021 4:40 pm
Forum: Personal Consumer Issues
Topic: What do you think you waste money on?
Replies: 16
Views: 1263

Re: What do you think you waste money on?

Cable. I don't watch TV except for the odd MLB game but .... I'm not the only one in the house.
by jebmke
Mon Jul 26, 2021 3:30 pm
Forum: Personal Consumer Issues
Topic: Another Where to Retire Thread - Waterfront Towns?
Replies: 89
Views: 8729

Re: Another Where to Retire Thread - Waterfront Towns?

Annapolis is incredibly congested. I would look at Havre de Grace in MD. Close enough to civilization. Access to major university medical systems. A lot of green space nearby.
by jebmke
Mon Jul 26, 2021 3:00 pm
Forum: Personal Investments
Topic: Sold all my stocks this morning
Replies: 23
Views: 2731

Re: Sold all my stocks this morning

another "I'm out" trolling post with no actionable content.
by jebmke
Mon Jul 26, 2021 10:54 am
Forum: Personal Investments
Topic: Advice on possible elder abuse?
Replies: 19
Views: 1623

Re: Advice on possible elder abuse?

I don't see a legal case here; perhaps you can calculate what the $14K would be today had it stayed in the target date fund and explain it that way. I see this often with senior taxpayers. One widow was convinced by a major bank to move her (late husbands) funds from Fidelity to the bank to manage. ...
by jebmke
Mon Jul 26, 2021 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Use credit card at stores instead of debit?
Replies: 150
Views: 9379

Re: Use credit card at stores instead of debit?

SaucedUp wrote: Mon Jul 26, 2021 10:23 am I have no idea what point you're trying to make
That some people in the world make bad decisions. Which is true for an infinite number of things.
by jebmke
Mon Jul 26, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5291
Views: 1359458

Re: What Book Are You Currently Reading? Part VI

"2034: A Novel of the Next World War" by Elliott Ackerman and James Stavridis

Stavridis is a former NATO Supreme Allied Commander
by jebmke
Mon Jul 26, 2021 9:22 am
Forum: Personal Finance (Not Investing)
Topic: How do you calculate how many X expenses you have?
Replies: 37
Views: 2678

Re: How do you calculate how many X expenses you have?

For taxable accounts, I would take a “haircut” on your assets (or add a buffer to withdrawals, same thing) for taxes on the capital gains. It’s worth familiarizing yourself with the 0% and 15% capital gains tax brackets, to estimate your potential taxes in order to generate $110k in spendable each ...
by jebmke
Sun Jul 25, 2021 5:15 pm
Forum: Personal Investments
Topic: RETIREMENT: Does Non Statutory Stock Options Exercise & Sale reported on W2 count as earned income?
Replies: 24
Views: 1570

Re: RETIREMENT: Does Non Statutory Stock Options Exercise & Sale reported on W2 count as earned income?

Couldn't you ask the company how they will report it? I would imagine you're not the only one in this situation, so maybe someone in payroll could tell you how it's been reported for other retirees in the past. All you want to know is whether or not it'll be on a W-2, and if so, which box? Regards,...
by jebmke
Sun Jul 25, 2021 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Use credit card at stores instead of debit?
Replies: 150
Views: 9379

Re: Use credit card at stores instead of debit?

Ivygirl wrote: Sun Jul 25, 2021 3:38 pm Credit card companies catch us by our nature. It's what they do. It's pretty much all they do. No respect.
I like to think I'm smarter than a monkey. Sometimes my spouse probably disagrees but she is the main user of the credit card so I guess we are safe enough.
by jebmke
Sun Jul 25, 2021 1:42 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of Bond laddering
Replies: 24
Views: 1714

Re: Pros and cons of Bond laddering

:beer
Doc wrote: Sun Jul 25, 2021 1:36 pm
jebmke wrote: Sun Jul 25, 2021 1:26 pm That was my point. Need to know what kind of ladder OP is referring to.
Hey jebmke,

I've been here 9 days, 2 hours and 34 minutes longer than you. And I am some 1000 miles closer to the original Boglehead bond guru then you are. Thanks for the correction anyway. :D
by jebmke
Sun Jul 25, 2021 1:26 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of Bond laddering
Replies: 24
Views: 1714

Re: Pros and cons of Bond laddering

also need to distinguish between a rolling ladder (constant duration) or a shrinking ladder (declining duration). If one tries to compare a fund which you hold "forever" with a non-rolling return ladder you are comparing two different things. It might not like comparing apples to oranges ...
by jebmke
Sun Jul 25, 2021 11:48 am
Forum: Personal Consumer Issues
Topic: Hybrid Induction and Electric cooktops
Replies: 25
Views: 1247

Re: Hybrid Induction and Electric cooktops

I asked the guy who does renovation work for us about this and his suggestion was to put in two cooktops side by side. One regular and one induction.
by jebmke
Sun Jul 25, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Approach to HSA (when unable to max out annually)
Replies: 7
Views: 453

Re: Approach to HSA (when unable to max out annually)

Personally, I would max an HSA before I'd max the retirement accounts.
by jebmke
Sun Jul 25, 2021 10:31 am
Forum: Investing - Theory, News & General
Topic: Pros and cons of Bond laddering
Replies: 24
Views: 1714

Re: Pros and cons of Bond laddering

also need to distinguish between a rolling ladder (constant duration) or a shrinking ladder (declining duration). Right, I've come to learn that timing the bond market is actually more difficult than timing stock market. The difference between a rolling ladder and a bond index fund (of the same ins...
by jebmke
Sun Jul 25, 2021 10:22 am
Forum: Investing - Theory, News & General
Topic: Pros and cons of Bond laddering
Replies: 24
Views: 1714

Re: Pros and cons of Bond laddering

also need to distinguish between a rolling ladder (constant duration) or a shrinking ladder (declining duration).
by jebmke
Sun Jul 25, 2021 9:55 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1400
Views: 72155

Re: Bird watchers – what birds are you seeing?

Two Eastern Bluebird nest boxes with chicks. Hatched about the same time one week ago. Here is the "front row" -- the box in the front yard -- looks like they are asleep to me. Have seen adults regularly doing food runs to the "back row" so I know they are about on the same timet...
by jebmke
Sat Jul 24, 2021 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Use credit card at stores instead of debit?
Replies: 150
Views: 9379

Re: Use credit card at stores instead of debit?

StevieG72 wrote: Sat Jul 24, 2021 4:55 pm I don’t even have a debit card for that very reason. With a debit card, the money is gone from your account and you have to fight to get it back. I don’t have a ATM card either.
I have an ATM only card; but, I haven't used physical currency since March, 2020 so it is not used much anymore.
by jebmke
Sat Jul 24, 2021 2:08 pm
Forum: Personal Consumer Issues
Topic: Driveway weeds
Replies: 46
Views: 5364

Re: Driveway weeds

Round up always does the trick for me. Just watch where you spray it. I have found that some chemicals degrade concrete. May depend on how the concrete was formulated. Some people use a propane weed burner - like a flame thrower attached to a string trimmer shaft. Don't know what that does to concr...
by jebmke
Sat Jul 24, 2021 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay: value vs. chip credit card
Replies: 77
Views: 5641

Re: Apple Pay: value vs. chip credit card

why buy an iPhone if not to carry it with you ? It is called a MOBILE DEVICE. Not meant to be left home. Many times when I leave home it is a short distance, specific purpose (e.g. quick trip to the library) so the phone is mostly irrelevant. If I take off somewhere more distant, I take it with me,...
by jebmke
Sat Jul 24, 2021 11:30 am
Forum: Personal Investments
Topic: Separate cash pocket?
Replies: 22
Views: 1776

Re: Secret cash pocket?

I thought this was going to be a thread on pants.
by jebmke
Sat Jul 24, 2021 8:29 am
Forum: Investing - Theory, News & General
Topic: Unannounced Change at Vanguard [no Market Alerts for mutual funds]
Replies: 27
Views: 6098

Re: Unannounced Change at Vanguard

I didn't even know this existed, to be candid. Don't even know why it is needed. But, if this is a mutual fund account (not brokerage account), you could be right -- this may be part of their shrinking of bells and whistles on the MF platform to get people to shift to brokerage. I plan to change ou...
by jebmke
Sat Jul 24, 2021 8:17 am
Forum: Personal Consumer Issues
Topic: Company does not offer full refunds
Replies: 36
Views: 3182

Re: Company does not offer full refunds

Seems like there is no recourse. I'd let it go and take this as a learning exercise for the future to read Ts and Cs when doing financial transactions.
by jebmke
Sat Jul 24, 2021 8:14 am
Forum: Investing - Theory, News & General
Topic: Unannounced Change at Vanguard [no Market Alerts for mutual funds]
Replies: 27
Views: 6098

Re: Unannounced Change at Vanguard

I didn't even know this existed, to be candid. Don't even know why it is needed. But, if this is a mutual fund account (not brokerage account), you could be right -- this may be part of their shrinking of bells and whistles on the MF platform to get people to shift to brokerage. I plan to change our...
by jebmke
Sat Jul 24, 2021 6:33 am
Forum: Personal Finance (Not Investing)
Topic: So how does it work (paying taxes, etc) when living off 401K / IRA savings?
Replies: 15
Views: 1541

Re: So how does it work (paying taxes, etc) when living off 401K / IRA savings?

sunny_socal wrote: Sat Jul 24, 2021 6:30 am Can you just "withhold" the taxes yourself by sending some of it (eg. 20%) to a different account?
You would likely still need to remit that as quarterly payments to the IRS to avoid underpayment penalties and interest when you file your tax return.