Search found 8419 matches

by jebmke
Sun Dec 16, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Another Generic Medicare Prescription Drug Plan Question
Replies: 4
Views: 230

Re: Another Generic Medicare Prescription Drug Plan Question

Does the Kaiser Senior Advantage plan include prescription coverage? If it does you're not allowed to be enrolled in a Part D plan at the same time. re: Bottom line in this https://www.ehealthmedicare.com/faq/can-i-get-medicare-advantage-plan-medicare-prescription-drug-plan-at-same-time/ We have Ka...
by jebmke
Sun Dec 16, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 11
Views: 353

Re: Birdwatching telescope recommendations

We do a lot of birding. It is critical to look at a lot of different spotting scopes [I took your OP to refer to spotting scopes, not camera lenses] to find one that works with your eyes. Regardless of quality, the optical designs are not the same and some simply may not work for you. The two we loo...
by jebmke
Sun Dec 16, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 17
Views: 1013

Re: Beta Test New Vanguard App... Is this a scam?

UpperNwGuy wrote:
Sat Nov 17, 2018 10:15 am
Mr Winston wrote:
Sat Nov 17, 2018 10:13 am
UpperNwGuy wrote:
Sat Nov 17, 2018 10:03 am
Got the same invitation. Wondered the same thing.
You try it first and let me know :D
Not a chance. I don't click on email links, and I don't do any kind of beta testing for any product.
Me either. I have zero faith in mobile device security. I'd never use one for financial sites.
by jebmke
Sat Dec 15, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: CP2000 Education Credit Denied
Replies: 7
Views: 580

Re: CP2000 Education Credit Denied

I've run into this with a couple of TaxAide clients. The universities around here typically have an online system that they can go in and generate a statement. You might see if your university has one.
by jebmke
Fri Dec 14, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: S&P 500 Down 11.2% Since September 20
Replies: 8
Views: 1152

Re: S&P 500 Down 11.2% Since September 20

two consecutive quarters.
by jebmke
Thu Dec 13, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: “Priority Mail” not a priority anymore
Replies: 11
Views: 1698

Re: “Priority Mail” not a priority anymore

I haven't noticed this in my area (Maryland) but I will say anecdotally, a regular first class envelope from my sibling in Richmond once took 10 days to get here.
by jebmke
Thu Dec 13, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3410

Re: Who else is doing home automation?

Every single smart home device that connects to wifi is hackable. This why you want to isolate these devices from your computing environment (data). That doesn't address any safety issue but it helps protect the data. In addition, it is a good practice to keep personal data encrypted -- that is, yo...
by jebmke
Thu Dec 13, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3410

Re: Who else is doing home automation?

I'll be automating exactly zero things in my house. It's expensive, none of the things home automation accomplishes are particular pain points for me, and the security concerns are VERY real and scary. Totally understand the first two points, but security concerns are very real and scary? Same here...
by jebmke
Thu Dec 13, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: IRA withdrawal in addition to RMD?
Replies: 5
Views: 258

Re: IRA withdrawal in addition to RMD?

A big factor is what the marginal tax rate is on the conversion this year vs. the expected marginal rate in the later years. Do you know?
by jebmke
Thu Dec 13, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3410

Re: Who else is doing home automation?

We have two devices (Roomba and ROKU) which I keep on a separate, isolated network. Just in case sometime hacks your TV network and cleans your house for you? :mrgreen: Indeed - perhaps they will do that in the night. As long as they don't send the ROKU around to attack me in the night. :P The ROKU...
by jebmke
Thu Dec 13, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3410

Re: Who else is doing home automation?

We have two devices (Roomba and ROKU) which I keep on a separate, isolated network.
by jebmke
Tue Dec 11, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: foreign tax in Vgd year-end distribution estimates
Replies: 2
Views: 194

Re: foreign tax in Vgd year-end distribution estimates

livesoft wrote:
Tue Dec 11, 2018 3:30 pm
I've never had any luck getting the numbers in a timely fashion. Never.
Me neither. But using prior years as a guide has never caused me to miss my estimates of my tax liability by very much.
by jebmke
Sun Dec 09, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: 0% Long Term Capital Gain rate?
Replies: 22
Views: 2915

Re: 0% Long Term Capital Gain rate?

This can lead to situations like mine. I'm in the 12% bracket for ordinary income, and I have more than enough QDIVs to fill up the 0% bracket. So if I add a dollar of ordinary income, it not only gets taxed at 12%, it shoves a dollar of dividends out of 0% into 15%, giving me an effect bracket of ...
by jebmke
Sun Dec 09, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3024

Re: Spotify or Amazon Music?

tc101 wrote:
Sun Dec 09, 2018 5:45 pm
With the free versions can you download play lists to your phone so you are not streaming in your car?
Not with Spotify, that I know. I don't know what Amazon allows.
by jebmke
Sun Dec 09, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: does the 4% withdrawal guideline include dividends?
Replies: 43
Views: 2991

Re: does the 4% withdrawal guideline include dividends?

The question for me is whether the RMD is counted into the 4% guideline such like dividends is and secondly, at my age 5% is calculated for me to take from my portfolio each year....should that also apply to the 4% guideline increasing the amount of the withdrawal? The 4% is based on spending that ...
by jebmke
Sun Dec 09, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA recordkeeping question (old receipts)
Replies: 9
Views: 796

Re: HSA recordkeeping question (old receipts)

^ I have had two "desk audits" of my HSA filings. In both cases, they wanted support for all entries on F 8889 but they did not ask me to demonstrate that they had not been deducted before. In my case, it would have been easy since we never have enough to deduct medical due to the 7.5/10% threshold ...
by jebmke
Sun Dec 09, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA QBI deduction vanished
Replies: 5
Views: 349

Re: FreeTaxUSA QBI deduction vanished

I haven't even tried to enter anything yet, I wouldn't expect the various software vendors to be more settled until in January, and even then expect updates. We are training our new TaxAide volunteers mostly on the 2017 software. The vendor has acknowledged that some of the 2018 items related to th...
by jebmke
Fri Dec 07, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?
Replies: 26
Views: 2412

Re: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?

720pete wrote:
Fri Dec 07, 2018 6:19 pm
Is it possible to send my money to Vanguard right now for my 2019 IRA so that I can make the full contribution right on Jan 2?
Into a taxable account until then, yes. Not into the IRA.
by jebmke
Fri Dec 07, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: HSA recordkeeping question (old receipts)
Replies: 9
Views: 796

Re: HSA recordkeeping question (old receipts)

The other thing to consider is how likely it is you won't have other expenses in the future that will consume the HSA anyway. Our HSAs are frozen now that we are on Medicare but I can continue to use the funds to reimburse Medicare premiums and other items that aren't covered by insurance (think den...
by jebmke
Thu Dec 06, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott data breach, what are you doing about it?
Replies: 11
Views: 1333

Re: Marriott data breach, what are you doing about it?

I'm not sure putting your personal info in yet another database is such a great idea. What info would they have other than your credit card? You could have the CC company send you a new card. The one I use for hotels has an NCP alert on it so I'm not concerned. I am pretty sure I have not used SGP s...
by jebmke
Thu Dec 06, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 359
Views: 20504

Re: What are others paying for property taxes around the US?

.69% of current assessed value. But our property taxes generally don't move even if assessments change. The county has a revenue cap - they are not allowed to generate total revenue above the cap so if the assessments go up or the base expands, the rate drops.
by jebmke
Thu Dec 06, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3461
Views: 1025763

Re: What Book Are You Currently Reading? Part VI

just finished "How it Happened" by Michael Koryta.

starting "The Fires of Vesuvius: Pompeii Lost and Found" by Mary Beard
by jebmke
Thu Dec 06, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1481

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

Any price for a Camry is a rip off. Get an Accord or Mazda 6 instead We test drove both the Accord and Camry. The Accord had the most uncomfortable seats I've been in in quite a long time. After 10 minutes of test driving I told my wife if she wanted the car, she was driving alone. Can't comment on...
by jebmke
Wed Dec 05, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement planning--how many years of cash equiv should I aim to have?
Replies: 16
Views: 2333

Re: Retirement planning--how many years of cash equiv should I aim to have?

You'll get a range of answers -- ranging from (no cash - which is my structure) to multiple years of cash. If you have a reasonable allocation that includes bonds, you won't be "selling equities in down years" -- if you are re-balancing to a target allocation you will be buying equity. I retired in ...
by jebmke
Wed Dec 05, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tuition deduction
Replies: 7
Views: 720

Re: Tuition deduction

jebmke.........I think you're right. Was thinking that way but then saw it included in the 2018 Pub 4012 w/o any DRAFT warnings so thought I was wrong. We're going to be in a pickle if the revs don't get done right. I'd have to work through the breakeven but with lower tax rates, the deduction isn'...
by jebmke
Wed Dec 05, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tuition deduction
Replies: 7
Views: 720

Re: Tuition deduction

https://www.irs.gov/pub/irs-pdf/p4012.pdf see pg. J2/J3 You are not eligible for AOTC but not due to income. It is only for 1st 4yrs of college which I assume you completed long ago. Check out details of lifetime learning credit and tuition &fees deduction. Not 100% sure but I think the tuition and...
by jebmke
Sun Dec 02, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation during retirement and Safe Withdrawal Rates
Replies: 22
Views: 4099

Re: Asset Allocation during retirement and Safe Withdrawal Rates

Looks like you are pretty much staying in the 40-50% range the whole time so it should be fine. It wasn't clear to me if you would be reducing the withdrawal when social security starts or not. In addition to thinking through the possibility of the downside risk, also consider if things go much bett...
by jebmke
Sun Dec 02, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Hi yield savings yield question
Replies: 11
Views: 1087

Re: Hi yield savings yield question

I'd throw AMEX into the mix as well. I have seen a few posts here about long-ish ACH cycle times with Ally - not sure if that is a function of Ally or the other bank. I have been using AMEX for savings and USAA for checking for quite a while. I don't recall ever having an ACH transfer take more than...
by jebmke
Fri Nov 30, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Muni-bond ladder or Muni-bond mutual fund
Replies: 13
Views: 881

Re: Muni-bond ladder or Muni-bond mutual fund

carolinaman wrote:
Fri Nov 30, 2018 5:08 pm
I have always understood that a bond fund was better for most people because of the diversification, professional management and expenses.
I would add liquidity to this list. Individual bonds are not as liquid as funds.
by jebmke
Fri Nov 30, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Qualified Business Income Deduction
Replies: 3
Views: 314

Re: H&R Block 2018 Qualified Business Income Deduction

It is not uncommon for early release of software to not have the most recent tax changes fully incorporated. Most will probably catch up by mid-late January. Some of the forms may not even be available then.
by jebmke
Fri Nov 30, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: IRMAA Question
Replies: 6
Views: 388

Re: IRMAA Question

The adjustment should come through in 2021. You would get a bill from CMS for the amount of the adjustment.
by jebmke
Fri Nov 30, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Online Account Access for Spouse
Replies: 23
Views: 1370

Re: Vanguard Online Account Access for Spouse

It is possible to have VG link her accounts to your online user ID. You would be able to see them but not transact. To transact, she would have to go through the agency process.

We each have an online user ID and all of our individual and joint accounts are visible by each.
by jebmke
Mon Nov 26, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowers Are Tapping Their Homes for Cash, Even as Rates Rise
Replies: 14
Views: 2527

Re: Borrowers Are Tapping Their Homes for Cash, Even as Rates Rise

The real issue is if the new refinance loans are for 60% or 80% or 95% of current market value? If they are for 80% or more (which I suspect many are) then that is the real story. Those people will lose there homes when the next downturn hits. History repeats......... I guess I don't understand how...
by jebmke
Sun Nov 25, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Question in qualifying for an itemized return in 2018
Replies: 4
Views: 587

Re: Question in qualifying for an itemized return in 2018

The combined total ($13K) exceeds the $12K. So you get the benefit of itemization on $1,000 of your $3,000 donation, to the extent that it reduces your tax liability.
by jebmke
Sat Nov 24, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much of SS goes into MAGI?
Replies: 22
Views: 1798

Re: How much of SS goes into MAGI?

https://www.ssa.gov/pubs/EN-05-10536.pdf To determine if you’ll pay higher premiums, Social Security uses the most recent federal tax return the IRS provides to us. If you must pay higher premiums, we use a sliding scale to make the adjustments, based on your modified adjusted gross income (MAGI). Y...
by jebmke
Sat Nov 24, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Help navigating St. Paul Social Security office please
Replies: 5
Views: 497

Re: Help navigating St. Paul Social Security office please

On Tuesday I'm going into the St Paul Social Security office to claim benefits. I was told, due to my current SS status, to go into the office. I have been there before but can not remember the steps to sign into the electronic sign in at the entrance. Could you help me with what that requires me t...
by jebmke
Fri Nov 23, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Deluxe plus State $18.17 at Walmart.com
Replies: 3
Views: 454

Re: H&R Block 2018 Deluxe plus State $18.17 at Walmart.com

Amazon has both PC & Mac version at the $18 price. Also when you buy from Amazon the software stays available in your download library for years (indefinitely) in case you need to reinstall the software due to hardware issues. (No extra charge for that storage.) Thanks for catching this. Just got i...
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: 673

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: 52
Views: 3512

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: 673

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: 673

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: 673

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: 1140

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: 123
Views: 15062

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: 123
Views: 15062

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: 2206

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: 2206

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: 959

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: 1507

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 ...