Search found 8381 matches

by jebmke
Tue Nov 20, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: How long does an ACH transfer to checking usually take?
Replies: 21
Views: 613

Re: How long does an ACH transfer to checking usually take?

In my experience, ACH transfers usually take 2 business days. I believe there may be some variability based on the destination bank. I know that ACH transfers between my savings account (AMEX) and my bank also take <= 24 hours. It could be that VG prioritizes accounts. I do an outbound ACH monthly.
by jebmke
Tue Nov 20, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: What's in your Investor Policy Statement about Bear Markets?
Replies: 42
Views: 2237

Re: What's in your Investor Policy Statement about Bear Markets?

Mine isn't written. I re-balance at -5pts from target. I am exactly on target today. I have a long way to go. I think my number is ~ Dow 16,000 which is also probably a reasonable SWAG at the bottom. But I'd have to actually do some work to know for sure - we aren't even close so I think I'll do som...
by jebmke
Tue Nov 20, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: How long does an ACH transfer to checking usually take?
Replies: 21
Views: 613

Re: How long does an ACH transfer to checking usually take?

You need to understand the difference between a bank and a mutual fund account. You sold tomorrow. It settles Friday and leaves Vanguard, arriving at your bank in 1 day. Sound very good, except that you didn't understand. I do a bank transfer from the Municipal Money Market Fund which is held in ou...
by jebmke
Tue Nov 20, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: How long does an ACH transfer to checking usually take?
Replies: 21
Views: 613

Re: How long does an ACH transfer to checking usually take?

You need to understand the difference between a bank and a mutual fund account. You sold tomorrow. It settles Friday and leaves Vanguard, arriving at your bank in 1 day. Sound very good, except that you didn't understand. I do a bank transfer from the Municipal Money Market Fund which is held in ou...
by jebmke
Tue Nov 20, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: How long does an ACH transfer to checking usually take?
Replies: 21
Views: 613

Re: How long does an ACH transfer to checking usually take?

I normally do a bank transfer in the morning. Funds hit my USAA bank account the next day.
by jebmke
Mon Nov 19, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Documenting High-Deductible Health Plan (HDHP) for IRS
Replies: 10
Views: 1060

Re: Documenting High-Deductible Health Plan (HDHP) for IRS

My company used to issue a confirmation during open enrollment which specified which plan was elected during open enrollment. I used that when the IRS asked for documentation to support the HSA deduction.
by jebmke
Sun Nov 18, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 69
Views: 7363

Re: Black Friday 2018

I think restaurants new car deals should get into the Black Friday thing. Car dealers could promote a buy 2 get 10K off or something huge-I think it would be successful. Same for restaurants-do something memorable on that day. They'll likely make up for it in booze purchases. The Toyota dealer in t...
by jebmke
Sun Nov 18, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 69
Views: 7363

Re: Black Friday 2018

runner3081 wrote:
Sun Nov 18, 2018 11:36 am
Not a single thing.
the older we get, the more we cut back on "things." We have a general rule - if you buy one thing you have to give away/throw away/recycle at least two things.
by jebmke
Sat Nov 17, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 32
Views: 2103

Re: Mouse in the house

Used a glue trap once,it does not kill the rat or mouse and after further reading realized it is not humane,felt bad about it.Victory snap traps quick and humane,use peanut butter.Scariest part is setting the trap!!! These are easier to arm than the cheap wooden ones from Lowes/Home Depot. https://...
by jebmke
Sat Nov 17, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 32
Views: 2103

Re: Mouse in the house

Well we have no mouse problem, but this morning I had to catch a big black snake in the house, and toss him out. It is fairly common in Virginia as the black snakes seem to like to get inside homes. Don't tell my better half please, thankfully she was out. During snake absences, we do use sticky tr...
by jebmke
Sat Nov 17, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Deluxs 2018 doesn't include Schedule D?
Replies: 14
Views: 907

Re: H&R Block 2018 doesn't include Schedule D?

from the product description on their web site Investment Income Reporting We’ll guide you through your sale of stocks, bonds and mutual funds, and help report income from your retirement plan and rollovers, payments from your IRAs, 401(k)s and more. (Schedule D) https://www.hrblock.com/tax-software...
by jebmke
Fri Nov 16, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Retirement Emergency Fund; How Much to Keep Very Liquid?
Replies: 17
Views: 1454

Re: Retirement Emergency Fund; How Much to Keep Very Liquid?

I retired 10 years ago. We got rid of a separate emergency fund probably 20+ years ago. We have a fairly high fixed income target (60%) and the duration of our bond holding is fairly low except for individual TIPs which are a small portion right now. The bulk of our spending goes on credit cards or ...
by jebmke
Fri Nov 16, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CDs
Replies: 9
Views: 945

Re: Vanguard CDs

Thank you. I just looked at Vanguard's Treasury Certificates and they have a slightly lower earnings percentage, even for 1 year. And I can find anything on whether or not New Mexico taxes treasuries. Normally, interest on US treasuries is exempt from state income taxes. Looking at the forms, it ap...
by jebmke
Fri Nov 16, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tax computation check for SS# tax liability
Replies: 4
Views: 267

Re: Tax computation check for SS# tax liability

Page 33 of the general instructions has a worksheet that should answer your first question.
https://www.irs.gov/pub/irs-dft/i1040gi--dft.pdf
by jebmke
Thu Nov 15, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2400

Re: Windows 10 October Update (1809)

02nz wrote:
Thu Nov 15, 2018 10:31 am
5 MB isnt' that big. The smaller updates are definition updates, which aren't huge. It's likely that the 5 MB one is an update to Windows Defender itself,
Actually, I think it was just the definition file. I just updated two VMs and they had the same larger-than-normal definition file.
by jebmke
Thu Nov 15, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2400

Re: Windows 10 October Update (1809)

I guess there's no way around the full Windows 1809 update if I want to update the virus protections, and I do want that!. It may well be that Defender isn't running every day. Mine only does a scan once a week, I think. I'd have to check the settings. In any cases, probably the most you would miss...
by jebmke
Thu Nov 15, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2400

Re: Windows 10 October Update (1809)

I am using Windows 10 Pro; it may be that some of the flexibility described in various posts is not available in the Home version.
by jebmke
Wed Nov 14, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Failed to take RMD for 5 yrs. Inherited IRA from trust.
Replies: 9
Views: 1370

Re: Failed to take RMD for 5 yrs. Inherited IRA from trust.

Normally what would happen in a situation like this is that the make-up distribution (assuming you take it this year) will be reported on a 1099-R for 2018 and you will report this on your 2018 tax return. File the 5329 along with your tax return. If you are planning to request a waiver of the addit...
by jebmke
Wed Nov 14, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does it ever make sense to pay more tax intentionally?
Replies: 15
Views: 1638

Re: Does it ever make sense to pay more tax intentionally?

RudyS wrote:
Wed Nov 14, 2018 5:04 pm
I have seen a scenario where taking less mileage deduction created more schedule C income resulting in somewhat larger Earned Income Credit. Depends on lots of variables though including number of kids, etc.
I believe this is not legal.
by jebmke
Wed Nov 14, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Time is upon us
Replies: 13
Views: 2516

Re: 2018 Tax Time is upon us

I am happy, I will be taking a standard deduction. Every single year I get exactly 13-14K deductible items(do not own a house, CA) and it is just more work for itemizing and adjusting next year returns. Albeit, I added to the complexity by acquiring a rental. :? The tricky part for us is that we ha...
by jebmke
Wed Nov 14, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2400

Re: Windows 10 October Update (1809)

Well, I've got it delayed for a bit... probably until the next restart. But meanwhile, the antivirus updates are also paused. Not sure I want that to continue for long... You can update Defender independently of the OS updates. Go to Update & Security > Windows Defender and then click the button th...
by jebmke
Mon Nov 12, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2400

Re: Windows 10 October Update (1809)

My desktop is still at 1709. Not sure if I can get to 1803 once 1809 is out so I may need to wait to see how 1809 fares. I can hold off another six months or so to let the rest of the world test it out. Eventually, I think they stop issuing updates for 1709 though.
by jebmke
Mon Nov 12, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2400

Re: Windows 10 October Update (1809)

I am still deploying 1803. We will roll it out to about 40 machines. Once I get some run time with 1809 in a virtual machine I'll consider upgrading.
by jebmke
Fri Nov 09, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6284

Re: Strategy during the last stock market decline

alex_686 wrote:
Fri Nov 09, 2018 4:45 pm
he fewer times you peak the less you will freak.
Many people peak early.
by jebmke
Fri Nov 09, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3017

Re: Should I reject Google drive for privacy/tracking?

nor to tell Google to stop this. It sounds like you use a GMail address for Amazon, airlines etc. Consider setting up a separate email address with another provider. Shift all this commercial traffic to one or more alternate email addresses. Install a second browser and do all your commercial activ...
by jebmke
Fri Nov 09, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: App or Online Document Storage
Replies: 7
Views: 517

Re: App or Online Document Storage

Keepcalm wrote:
Fri Nov 09, 2018 9:29 am
A ScanSnap Xi500 and an iPad is an unmatched level of convenience and tidyness.
What is the role of the iPad? I have an iPad but would never keep anything personal or sensitive on it.
by jebmke
Thu Nov 08, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: What to use for taxable fixed income- high bracket don’t like munis
Replies: 4
Views: 663

Re: What to use for taxable fixed income- high bracket don’t like munis

With our marginal federal rate of 27% and state rate of 7.65% I have found that munis and treasuries are basically a wash after taxes. I use the treasury fund as a destination for tax loss harvesting out of the muni fund.
by jebmke
Thu Nov 08, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: App or Online Document Storage
Replies: 7
Views: 517

Re: App or Online Document Storage

For Online storage I have found Google Drive, Microsoft OneDrive and Dropbox to be reliable products. Of the three I slightly prefer Google Drive because I find the sharing features a bit more flexible -- which I use for some of my volunteer work. I try to do as much document creation using Google D...
by jebmke
Wed Nov 07, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 3980

Re: 426% return if there is a recession in 2019?

kosomoto wrote:
Wed Nov 07, 2018 6:10 pm
Plus your downside is literally unlimited.
This reminds me of a conversation between two of my financial analysts that I overheard at lunch decades ago.

"You know, what I like about investing in stocks [meaning long positions] is that the most you can lose is all your money."
by jebmke
Wed Nov 07, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 78
Views: 8584

Re: Amazon says TurboTax 2018 will be released November 12

I would not be surprised if many forms are not included in the beginning. Even in a "normal" year there are missing forms. As always, check the calculations in the early releases. One year, our "professional" software used for TaxAide had a missing link between Schedule D and the 1040. Schedule D wo...
by jebmke
Wed Nov 07, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Crucial and Samsung SSDs encryption can be bypassed when using Microsoft's Bitlocker
Replies: 2
Views: 527

Re: Crucial and Samsung SSDs encryption can be bypassed when using Microsoft's Bitlocker

PFInterest wrote:
Wed Nov 07, 2018 8:14 am
meh.

this is way more exciting/terrifying: https://arstechnica.com/information-tec ... a-telecom/
I don't think that is what they meant by net neutrality.
by jebmke
Tue Nov 06, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1160

Re: Household statements

I'd call again and talk to another rep. My Household statement includes every account we own individually and jointly.
by jebmke
Mon Nov 05, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Income in retirement?
Replies: 14
Views: 1938

Re: Income in retirement?

I invest for total return and try to avoid income if I can. It just adds to my tax burden and moves me closer to an IRMAA cliff.
by jebmke
Mon Nov 05, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1160

Re: Household statements

Our HH statements were all there. I just downloaded October.
by jebmke
Mon Nov 05, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Good read from Krebs on Security on Cardless ATMs
Replies: 4
Views: 833

Re: Good read from Krebs on Security on Cardless ATMs

First, one of the best defenses is to keep a separate low-balance account that is only used for ATMs. Many banks will allow you to have more than one account and transfer money between them instantly. But if the thieves have your account and password information, as they did, they can just transfer...
by jebmke
Mon Nov 05, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18323

Re: Vanguard website "unavailable during weekend of Nov 3"

I have the problem that my landline went down and ATT won't be out until later this week (about 5 days) -I always thought it would be more secure to get the code over the phone, but now if they call, they just get a busy signal.... 5 days???? I would fire ATT. Too many options these days for a phon...
by jebmke
Mon Nov 05, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Oakland Airport to Santa Rosa/Healdsburg - best route?
Replies: 8
Views: 440

Re: Oakland Airport to Santa Rosa/Healdsburg - best route?

Headed to Healdsburg area this weekend. Arrive at Oakland Airport late Friday morning. On return, leave from Oakland Airport early AM. I'd really appreciate it if anyone had advice on the best route out of the airport. Passing over the Golden Gate Bridge is not a necessity. Online maps show that 88...
by jebmke
Mon Nov 05, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6159

Re: Do I need more than Original Medicare?

I’m perpetually surprised by the number of otherwise financially sophisticated people who are willing to risk their entire financial future in order to save a few dollars on an insurance premium. I think one of the reasons is that insurance is sort of a perverse bet with the insurance company. Take...
by jebmke
Mon Nov 05, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6159

Re: Do I need more than Original Medicare?

If your total is 8 points or higher, a Medigap plan may be best. If your total is 5 points, a Medicare Advantage plan may be best. In between, it's unclear. In my case, the first question I asked was "Are there any Advantage plans in my area?" Many rural areas have no Advantage plans available. Min...
by jebmke
Mon Nov 05, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Good read from Krebs on Security on Cardless ATMs
Replies: 4
Views: 833

Re: Good read from Krebs on Security on Cardless ATMs

from the article In January 2017, KrebsOnSecurity told the story of a California woman who saw nearly $3,000 drained from her account via a cardless ATM operated by Chase Bank. They didn't go into detail but it seems to me that the card-less risk notwithstanding, the person was not using good practi...
by jebmke
Mon Nov 05, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Can't Create SS Account - Security Questions Mismatch
Replies: 13
Views: 1339

Re: Can't Create SS Account - Security Questions Mismatch

Is his credit frozen? That would be a problem. If he simply cannot sign up, he should then make an appointment with the SSA for in person help. The SSA employees are very professional and nice. My wife and I both had to do this because of our credit freezes. In our case, it was quick and easy - no ...
by jebmke
Sun Nov 04, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6159

Re: Do I need more than Original Medicare?

I'd suggest looking at the coinsurance information before deciding to skip supplemental

https://www.medicare.gov/your-medicare- ... t-a-glance

The deductible is peanuts. The coinsurance is not.
by jebmke
Sun Nov 04, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4113

Re: Mice

and a local fox to keep the mice population down. Foxes are ruthless. I've found multiple snake spines, a muskrat skull, numerous rabbit pelts, squirrel fur and remnants of a turkey vulture in the back yard. I think they jumped the TV when it dropped down to get leftovers from a rabbit. My neighbor...
by jebmke
Sun Nov 04, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Medicare drug costs ..
Replies: 6
Views: 406

Re: Medicare drug costs ..

they are each in "Tier 1" - preferred generic. I don't use any scripts but one thing I did learn this year is that unlike Medicare Part B, the drug plans do not have a uniform definition of what drugs are in Tier 1, Tier 2 etc (across insurance providers). When you compare plans from difference ins...
by jebmke
Sun Nov 04, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4113

Re: Mice

I have had good luck with these snap traps. https://www.amazon.com/Snap-E-102-0-019-Mouse-Trap-6-Pack/dp/B004B9XPOO/ They are easy to set up. The cheap wood ones from Lowes were trickier to arm and I kept snapping my fingers. I put a couple each in my garage and shed with some peanut butter and that...
by jebmke
Sat Nov 03, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2785

Re: Close to the Bull Trap phase of the market cycle

minimalistmarc wrote:
Sat Nov 03, 2018 10:21 am
The opposite is a bear trap - a false signal indicating that a rising trend in the index has reversed and is heading downwards when, infact, the index will continue to rise.
Then there is also the mouse trap. If you get too greedy the trap snaps and breaks you in half.
by jebmke
Sat Nov 03, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest ACH transfers?
Replies: 8
Views: 1449

Re: Fastest ACH transfers?

I have checking at USAA, savings at AMEX and investments at VG. I can't recall the last time an ACH didn't go in <=24 hours.
by jebmke
Sat Nov 03, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Investment Properties during retirement
Replies: 6
Views: 735

Re: Investment Properties during retirement

So if you personally feel you would, if not enjoy, happily tolerate taking on a difficult and frustrating personal service business that requires periodic intense effort, aggravation and hassle while you are simultaneously entering a period of life that should by all rights be one of relaxation, ca...
by jebmke
Sat Nov 03, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion - Confirming Tax Analysis
Replies: 10
Views: 750

Re: Roth Conversion - Confirming Tax Analysis

Where are you deducting health insurance premiums -- are you self-employed?

Typically, I advise people to do a pro-forma tax return using tax software to fine-tune roth conversion amounts. This is especially critical since they eliminated recharacterization.
by jebmke
Sat Nov 03, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: New ACA 2018 Dependent Income Rules?
Replies: 13
Views: 831

Re: New ACA 2018 Dependent Income Rules?

Why would you even consider not filing? That is the only way she will get back (most of) her withheld taxes, plus it gets you over the ACA floor. The rules say below $12k, she does not NEED to file, but there is nothing preventing her from doing so if it is to your/her advantage. Returns like these...