Search found 8104 matches

by jebmke
Sun Aug 19, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Side Jobs while on Social Security?
Replies: 11
Views: 1251

Re: Side Jobs while on Social Security?

I don't have specific experience on any of these but I will chime in on grant writing. I am on the board of a couple of local charitable organizations. One in particular frequently periodically seeks grant funding but does not have the budget to employ a full time grant writer. The grants typically ...
by jebmke
Sun Aug 19, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs: what’s your number?
Replies: 12
Views: 1170

Re: Switching jobs: what’s your number?

I made a personal commitment when I was starting out to try to never take or refuse a job on the basis of money alone -- and I never did.
by jebmke
Sun Aug 19, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 30
Views: 1953

Re: Retirees: Timing your withdrawals

Most of my expenses are either direct debits or credit cards. I have arranged all the DDs to hit at the beginning of the month. The CCs close a few days prior so by the end of the month, I have a fix on our cash needs for the next month. So I make schedule a withdrawal at that time to cover the mont...
by jebmke
Sat Aug 18, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 64
Views: 3502

Re: What kind of medical events that may ruin your retirement?

Strokes, dementia, renal failure ... there is a long list.
by jebmke
Sat Aug 18, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting (TLH) opportunities
Replies: 5
Views: 433

Re: Tax Loss Harvesting (TLH) opportunities

The best TLH opportunities come when the market tanks - which it inevitably will. You will likely get a chance to harvest losses ranging from 25-50% of your total equity holdings depending on how long you have been accumulating. My losses from 2008-09 were enough to allow me to rebalance with no tax...
by jebmke
Sat Aug 18, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Fitness band with excellent Android syncing?
Replies: 17
Views: 609

Re: Fitness band with excellent Android syncing?

I have yet to find anything that is "reliable" with Android as you define it. Everything requires a bit of TLC to get/keep it working -- eventually.
by jebmke
Fri Aug 17, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Today I retired [should I invest in rental properties?]
Replies: 25
Views: 2610

Re: Today I retired [should I invest in rental properties?]

One of my happiest days was the day we closed on the sale of our rental condo.
by jebmke
Fri Aug 17, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7614

Re: [New Vanguard website layout starting Saturday, August 11]

I don't like any of the changes so far. Activity tab: previously I could see a single consolidated list of transactions from all of my accounts. Now the transactions are grouped by account. Not helpful for me. In general, the typography is terrible, the layout requires a lot of scrolling to see rel...
by jebmke
Fri Aug 17, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Lock Suitcases on International Flight or Not?
Replies: 24
Views: 1555

Re: Lock Suitcases on International Flight or Not?

Outside the US, the chances that the airport folks have keys to a TSA lock are low. They will just clip them off with bolt cutters.
by jebmke
Fri Aug 17, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest int. Muni fund vanguard question
Replies: 2
Views: 147

Re: Tax loss harvest int. Muni fund vanguard question

I have about 1k of losses in my Vang. Int. Muni admiral fund which I am thinking of tax loss harvesting. Which fund would you use as an alternative to this for tax loss harvesting? Also, i remember reading about interest not being tax free if sold in 6 months or something like that. Anything else I...
by jebmke
Thu Aug 16, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2678

Re: Sign - Speed checked by Radar

open_circuit wrote:
Thu Aug 16, 2018 9:33 am
I like the ones that say "enforced by aircraft". I've always wondered how the aircraft plans to stop a speeding vehicle, rather than simply monitor it?
Hellfire missiles
by jebmke
Thu Aug 16, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 2834

Re: Celebrating the day you retired

Nothing. I popped my head into a few offices to remind some people I would not be back but gave them my personal card with email and phone number in case they needed to reach me on any residual matters, and left. I forgot to leave my office key - I still have it.
by jebmke
Thu Aug 16, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: OK, maybe Vanguard's website IS a little old... "56K dial-up..."
Replies: 19
Views: 2181

Re: OK, maybe Vanguard's website IS a little old... "56K dial-up..."

There are some areas in my county that have no broadband and no cellular service (some have cell but no data - others have nothing). Less than 2.0 hours from Washington DC. Satellite is the only option for those areas in terms of relatively speedy service but to do satellite I think you have to have...
by jebmke
Wed Aug 15, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify - 18 holdings all less than 1% of total portfolio
Replies: 11
Views: 636

Re: Trying to simplify - 18 holdings all less than 1% of total portfolio

I used remnants like this to fund my Donor Advised Fund at Vanguard.
by jebmke
Mon Aug 13, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: USB drive over Wifi?
Replies: 3
Views: 482

Re: USB drive over Wifi?

get_g0ing wrote:
Mon Aug 13, 2018 4:46 pm
Hi,

Is there any device I can plug in a USB flash drive (16 GB or 64 GB) and access it over Wifi? Is it possible?

Please suggest if you know any solution or way to do so.
Many of the newer routers have USB ports which allow you to connect a USB drive to the router directly.
by jebmke
Mon Aug 13, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7614

Re: [New Vanguard website layout starting Saturday, August 11]

Post by LadyGeek » Sun Aug 12, 2018 8:53 pm MFInvestor wrote: ↑Sun Aug 12, 2018 6:19 pm It is difficult to comprehend how a company can initiate these changes over a weekend when they are closed. Software changes are always done on weekends or after business hours. If anything goes wrong, the impac...
by jebmke
Mon Aug 13, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Realized Gains or Not
Replies: 3
Views: 265

Re: Realized Gains or Not

Once you sell the shares you realize the gain. The money does not have to move out of VG.
by jebmke
Mon Aug 13, 2018 12:52 am
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 3634

Re: How can I use the Rising Equity Glide Path?

I'm thinking of backing it up with a bucket strategy - taking $50k per year in years 1-5 in fixed income/CDs to avoid possible sale requirements in a recession; If you are starting with a relatively conservative allocation, you wouldn't need to be selling equity in a down turn. You'd be buying equi...
by jebmke
Sun Aug 12, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 1982

Re: Vanguard updated 1099 in August!

It is the taxpayer's responsibility to ensure they have all the tax forms and that they are correct (as far as they can tell). Don't you do a cursory comparison between the dividends, interest, capital gains they receive each year and what the tax forms report? Then if the tax forms are wrong, you ...
by jebmke
Sun Aug 12, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Massive small cap tilt with low equity AA - anybody do this?
Replies: 33
Views: 2525

Re: Massive small cap tilt with low equity AA - anybody do this?

We sort of did this during accumulation years. Equity was around 60% or so and 65-75% of our equity was small and mid-cap value. Normally I would have had a higher equity allocation and more traditional portfolio but my spouse was in the business (managing small cap portfolio) and we decided to put ...
by jebmke
Sun Aug 12, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1480

Re: Understanding Medicare Options?

Yes - BUT remember that one potential risk of an MA plan is that (except for the first year) if you choose to go back to Original Medicare - you may not be able to qualify for a supplement. Yes; almost any change in coverage might result in a need to go through underwriting. Even changing from one ...
by jebmke
Sun Aug 12, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1480

Re: Understanding Medicare Options?

My decision came down to networks. Wife and I both have illnesses that are being treated out of state and out of network with MA plans. We pay more each month, about 300 total, than an MA plan. If you want to not be limited to local networks, and the extra cash flow doesn't negatively impact you, I...
by jebmke
Sun Aug 12, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1480

Re: Understanding Medicare Options?

I would start with the Medicare site.

https://www.medicare.gov/

Many states have resources called SHIP (State Health Insurance Assistance Program) coordinators who can help. Quality of their knowledge seems to vary.
by jebmke
Sun Aug 12, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Comfortably Retired and charity giving?
Replies: 25
Views: 1969

Re: Comfortably Retired and charity giving?

I address these comments to those of us taking RMDs, who are over age 70.5, and have a desire to make charitable contributions whether small or large. Consider the tax benefits under the new federal tax laws that are in effect for tax year 2018. Many of us at this age no longer itemize deductions a...
by jebmke
Sun Aug 12, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6218

Re: Paper checks yes or no?

Sadly, we don't have a robust alternative. I lived for four years in a country where checks didn't exist. I never missed them. The problem is that the US banking system is archaic so we still need to scribble on little pieces of paper and pass them around in some cases. What is laughable is that thi...
by jebmke
Sat Aug 11, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4770

Re: How often do you check your brokerage accounts

Typically once a month when I go in to download money. Except when there is a thread titled "have you seen what the Vanguard web page looks like now!!"
by jebmke
Sat Aug 11, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7614

Re: [New Vanguard website layout starting Saturday, August 11]

darkhorse346 wrote:
Sat Aug 11, 2018 4:37 pm
The view is different depending on how you access you account balances.

My Accounts -> Balances and Holdings = the old view

of

My Accounts -> Holdings (2nd tab of 5 across top) = the alternate view
Mine is the same no matter how I get there.
by jebmke
Sat Aug 11, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7614

Re: [New Vanguard website layout starting Saturday, August 11]

I just logged in and see no change to the display. Do the folks who see changes have the old mutual fund accounts or the brokerage accounts? Just an FYI; my log-in shows all our accounts, mine, ours, hers all on the main page. Some are brokerage some are not. I have not seen a change to the first s...
by jebmke
Sat Aug 11, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7614

Re: [New Vanguard website layout starting Saturday, August 11]

I just logged in and see no change to the display. Do the folks who see changes have the old mutual fund accounts or the brokerage accounts? Just an FYI; my log-in shows all our accounts, mine, ours, hers all on the main page. Some are brokerage some are not. I have not seen a change to the first s...
by jebmke
Sat Aug 11, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7614

Re: Anyone noticing Vanguard website changes today Saturday August 11

Nothing new on mine. I never noticed but I think mine have always been in symbol order. I don't have so many holdings that the order matters.
by jebmke
Fri Aug 10, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is your monthly expense really that stable or in reality, pretty volatile?
Replies: 46
Views: 3171

Re: Is your monthly expense really that stable or in reality, pretty volatile?

cj2018 wrote:
Fri Aug 10, 2018 4:41 pm
This is pretty great advice! I like the way you think about this and how it could relieve the anxiety and stress from the inevitable "one-off's" that life throws at you. Thanks.
Most of life is a series of one-off events.
by jebmke
Fri Aug 10, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is your monthly expense really that stable or in reality, pretty volatile?
Replies: 46
Views: 3171

Re: Is your monthly expense really that stable or in reality, pretty volatile?

jaj2276 wrote:
Fri Aug 10, 2018 4:04 pm
cj2018 wrote:
Fri Aug 10, 2018 3:34 pm
  • oil change: $220 (damn you, jiffy lube) - i drive a Honda and only do oil change stuff probably once and twice per year
I hope this is a typo and you really don't get charged $220 for an oil change. Even if that oil change is full synthetic.
Yes; I think mine is ~$50 for a 7-quart change.
by jebmke
Fri Aug 10, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is your monthly expense really that stable or in reality, pretty volatile?
Replies: 46
Views: 3171

Re: Is your monthly expense really that stable or in reality, pretty volatile?

I don't use a budget but when I look at my last 6 years of expenses. The average low month is -32% (March) and the average high month is +41% (July) - that isn't including income taxes or large "capital" items like home improvements which would probably make the dispersion even greater. July is my p...
by jebmke
Fri Aug 10, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Evaluating Munis beyond rating
Replies: 11
Views: 879

Re: Evaluating Munis beyond rating

acegolfer wrote:
Fri Aug 10, 2018 6:55 am
If you are not in the top income tax bracket, avoid munis.
So, income over $600K for MFJ?
by jebmke
Thu Aug 09, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Have you rebalanced to bonds this year?
Replies: 25
Views: 2164

Re: Have you rebalanced to bonds this year?

I have had some excess dividends from equity that I put into TE bonds so, theoretically, yes. I have not sold equity, however.
by jebmke
Thu Aug 09, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 1957

Re: Anyone familiar with attic fans?

Most attic fans have a on/off wall switch that looks like a light switch mounted in a closet near the attic access or on a stud just inside the access - often by a pull cord for an attic light. If you take a strong flashlight into your attic and can see the fan, look for how the electic wire for it...
by jebmke
Thu Aug 09, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 1957

Re: Anyone familiar wit attic fans?

We have a house built in 1995 and an attic fan that is not very accessible as well. It's over a gable vent that is about 10-15 ft. high in our attic. I would also need to take a ladder to look at the fan. We bought our house in 2002...and the fan never worked. My thought is that the motor went out ...
by jebmke
Wed Aug 08, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 23529

Re: TSLA privatization

He's not going private. He was stabbing at the short sellers with his tweet. The $420 price is a joke; 420 is of course short for marijuana smoking time. He has hubris and can't take the criticism. We are watching a man breakdown mentally. Bloomberg had two talking heads on the radio this afternoon...
by jebmke
Wed Aug 08, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: IRS Guidance (prelim) on QBI deduction
Replies: 9
Views: 878

Re: IRS Guidance (prelim) on QBI deduction

https://www.irs.gov/newsroom/tax-cuts-and-jobs-act-provision-11011-section-199a-deduction-for-qualified-business-income-faqs This is only Q&A so I suspect there will be more coming in terms of procedures. Underwhelming is an understatement. A Q&A would be perfectly fine if it answered anything but ...
by jebmke
Wed Aug 08, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1255

Re: What (simple) desktop to buy

Dell i3 is fine for his use. The hurdle might be the change in operating system from what he has now (windows 7?) to windows 10. Also, his word and excel programs might have to be upgraded for windows 10 and the "look" might be different than what he is used to. If you install Classic Shell on a W1...
by jebmke
Wed Aug 08, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: IRS Guidance (prelim) on QBI deduction
Replies: 9
Views: 878

IRS Guidance (prelim) on QBI deduction

https://www.irs.gov/newsroom/tax-cuts-a ... ncome-faqs

This is only Q&A so I suspect there will be more coming in terms of procedures.
by jebmke
Mon Aug 06, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12828

Re: "Age in Bonds" fails almost everyone

Maybe I missed it. Where do you define "wrong?" +1 Hard to say whether a particular approach to investing "fails" someone unless you know their utility function, their resources, their needs, and their aspirations. Things like "age in bonds," "4% safe withdrawal" and even Target Retirement 20xx are...
by jebmke
Mon Aug 06, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12828

Re: "Age in Bonds" fails almost everyone

greg24 wrote:
Mon Aug 06, 2018 3:59 pm
jebmke wrote:
Mon Aug 06, 2018 3:48 pm
Maybe I missed it. Where do you define "wrong?"
They are treating the asset allocation models from three top-rated target date fund managers (BlackRock, JP Morgan, and Vanguard) as "right" and age in bonds as "wrong".
Seems rather arbitrary.
by jebmke
Mon Aug 06, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12828

Re: "Age in Bonds" fails almost everyone

Maybe I missed it. Where do you define "wrong?"
by jebmke
Mon Aug 06, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Questions about dividend tax.
Replies: 6
Views: 575

Re: Questions about dividend tax.

The zero bracket breaks at $38,600 (single) and $77,200 (MFJ) if I recall correctly. They are slightly out of line with the top of the 12% ordinary bracket.
by jebmke
Mon Aug 06, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1695

Re: Coldness Pismo beach water

Today's Pismo Beach Pier sea temperature is 15.4 °C.
http://www.surf-forecast.com/breaks/Pis ... er/seatemp
by jebmke
Mon Aug 06, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2520

Re: Medical expenses while on Medicare

True - but my understanding is that, for most folks, the basic works just fine. I would be interested in hearing some actual experiences - since I will eventually be facing this surgery. That may be true but I depend on my eyes for every thing I do. Basic wasn't going to cut it for me. I don't reca...
by jebmke
Mon Aug 06, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2520

Re: Medical expenses while on Medicare

The $12,233 is per couple. He said it was for healthcare, but he did not itemize it. $12K is about where I think we are once spouse signs up for Medicare. But this is for baseline coverage+supplemental and allowing a little for routine dental work (cleaning/x-ray). Once you get into major dental wo...
by jebmke
Mon Aug 06, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2520

Re: Medical expenses while on Medicare

The $12,233 is per couple. He said it was for healthcare, but he did not itemize it. $12K is about where I think we are once spouse signs up for Medicare. But this is for baseline coverage+supplemental and allowing a little for routine dental work (cleaning/x-ray). Once you get into major dental wo...
by jebmke
Sun Aug 05, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - tax consequence of paying obligations at our passing
Replies: 2
Views: 345

Re: Estate Planning - tax consequence of paying obligations at our passing

I think this is the norm. If I recall correctly, we had to make sure all debts were paid off before distributing my brother-in-law's estate in Virginia.