Search found 8091 matches

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: 513

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: 458

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: 109
Views: 6726

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: 253

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: 3493

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: 1946

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: 8
Views: 868

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: 1449

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: 1449

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: 1449

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: 1927

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: 115
Views: 5892

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: 72
Views: 4380

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: 109
Views: 6726

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: 109
Views: 6726

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: 109
Views: 6726

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: 109
Views: 6726

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: 3108

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: 3108

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: 3108

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: 839

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: 2141

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: 1931

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: 1931

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: 326
Views: 20433

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: 862

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: 1235

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: 862

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: 12682

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: 12682

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: 12682

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: 558

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: 1670

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: 2490

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: 2490

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: 2490

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: 340

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.
by jebmke
Sun Aug 05, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Legitimate deductible donation for charity travel?
Replies: 14
Views: 520

Re: Legitimate deductible donation for charity travel?

Then Gill's post is operable. I make cash and property in-kind donations for my AARP TaxAide work all the time.
by jebmke
Sun Aug 05, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Legitimate deductible donation for charity travel?
Replies: 14
Views: 520

Re: Legitimate deductible donation for charity travel?

Here is what I understand: If you pay out of pocket for legitimate charitable work, you can include these in your charitable deductions. If you receive an allowance from the charity, if the allowance exceeds your actual expenses, I think the excess needs to be treated as income. If actual expenses e...
by jebmke
Sun Aug 05, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Legitimate deductible donation for charity travel?
Replies: 14
Views: 520

Re: Legitimate deductible donation for charity travel?

I am not clear from your post, who is actually paying the travel expense - the sponsor charity or the doc?
by jebmke
Sat Aug 04, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help With CD's
Replies: 20
Views: 2617

Re: Help With CD's

Exactly. Your taxable income is higher, but your marginal tax rate can decline once you've pushed all of your QD/LTCG into the 15% "bracket". Of course there are many other things that can affect your marginal tax rate as well, and cause it not to be the same as your tax bracket. This is a not well...
by jebmke
Fri Aug 03, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5646

Re: Will dividend spending only portfolio last forever ?

Dividends get pooped on a lot in these forums -- for perfectly logical reasons. Dividends are a capital withdrawal that is the same as a divestiture through the sale of shares. However, I think that the dismissiveness on these forums regarding dividends may be overdone. We all know that the investo...
by jebmke
Fri Aug 03, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4000

Re: Ticks and common sense?

I spent my entire youth in the woods, largely without bug spray. Had a few ticks, but no problems. I don't know your age, but keep in mind that in most areas, the deer tick problem has gotten exponentially worse in recent years. When I was a kid, Lyme disease didn't really exist outside of a few is...
by jebmke
Thu Aug 02, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5646

Re: Will dividend spending only portfolio last forever ?

Looking at past recessions it appears to be in the range of 10-20%. In 1969 according to one source I looked at, the S&P 500 paid $21.09. It dropped in 1970 and moved down and up for years. It didn't exceed $21.09 until 1989 -- in real 2018 dollars. So the purchasing power of dividends declined for ...
by jebmke
Thu Aug 02, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5646

Re: Will dividend spending only portfolio last forever ?

skor99 wrote:
Thu Aug 02, 2018 8:05 pm
I consider the last recession in 2008 as an extreme event. Don’t think wholesale dividend cutbacks occur in regular garden variety recessions
What happened to dividends in the recession before that?
by jebmke
Thu Aug 02, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5646

Re: Will dividend spending only portfolio last forever ?

What happened to dividends during the last recession?
by jebmke
Thu Aug 02, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4000

Re: Ticks and common sense?

We used to pull them off the dog when I was growing up (1960s). Midwest - seems like they were pretty much everywhere.
by jebmke
Thu Aug 02, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4000

Re: Ticks and common sense?

My wife got Lyme disease. The bite was on the back of one of her shoulders, but her doctor saw no evidence of the tick. She got the ring around the bullseye. How she was bitten is a real mystery as she never goes into the woods, doesn’t mow the lawn, doesn’t garden, and is rarely even in our yard. ...
by jebmke
Thu Aug 02, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4000

Re: Ticks and common sense?

Shallowpockets wrote:
Thu Aug 02, 2018 2:21 pm
You think that counterclockwise motion is significant? What happens clockwise?
You can do clockwise in the southern hemisphere.
by jebmke
Thu Aug 02, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4000

Re: Ticks and common sense?

bac wrote:
Thu Aug 02, 2018 2:17 pm
I tell fellow hikers I'm more afraid of ticks than bears, because the bears are easy to see. And I've seen them 15 or 20 times.
Often bears will try to avoid contact whereas ticks will seek it out.