Search found 7843 matches

by jebmke
Wed Jun 20, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 29
Views: 664

Re: Cataract surgery - one or two?

^ I completely forgot that the eye was completely covered for the first 24 hours. That would be a deal breaker for me.
by jebmke
Wed Jun 20, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Can other people contribute to my donor advised fund?
Replies: 3
Views: 168

Re: Can other people contribute to my donor advised fund?

Others can contribute to my Vanguard DAF. I suspect it is also possible with other custodians.
by jebmke
Wed Jun 20, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 10
Views: 404

Re: iPad/iOS - feature or bug?

Katietsu wrote:
Wed Jun 20, 2018 11:22 am
I could only make it happen on a different iOS device when I used private browsing. Are you using settings that are restricting the information needed to take you back to the point you were at?
I'm using the settings that were in place when I initialized the device.
by jebmke
Wed Jun 20, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 10
Views: 404

Re: iPad/iOS - feature or bug?

Alexa9 wrote:
Wed Jun 20, 2018 11:02 am
Might be a setting to do with back/forward cache in Safari. You could try it in the Chrome App and see if it is different.
I should have mentioned that it behaves this way for both Safari and Chrome; I had this same thought when I first noticed it in Safari.
by jebmke
Wed Jun 20, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 10
Views: 404

Re: iPad/iOS - feature or bug?

Might be something unique to version 6. Next time I have a chance to swing by the Apple Store I'll round up a nerd and see if he/she knows.
by jebmke
Wed Jun 20, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: The Current Market
Replies: 14
Views: 907

Re: The Current Market

greg24 wrote:
Wed Jun 20, 2018 10:26 am
If you think this is bad, wait until it drops 30%.
or 22% in one day.
by jebmke
Wed Jun 20, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 29
Views: 664

Re: Cataract surgery - one or two?

My father just had cataract surgery on his second eye last week. The dr recommended one at a time, but I don't know why. If you don't have to drive anywhere or do anything for a few days, I don't why you can't do both at once. I asked my surgeon about this when I had mine done a couple years ago. H...
by jebmke
Wed Jun 20, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 23
Views: 1626

Re: Marriott hotels using Alexa/Echo in guest rooms?

Personally, I wish they would not put anything that generates sound, including televisions, in hotel rooms. Nothing worse than having someone come back to their room in the middle of the night and click on the television in the room next to you.
by jebmke
Wed Jun 20, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 10
Views: 404

iPad/iOS - feature or bug?

I finally decided to ditch my failing Nexus 9 and bought a 2018 iPad. I am generally happy with it but it does have one quirk I am not happy with. When I read a web site (e.g. Bloomberg, Washington Post ..) where the home page is longer than one screen, naturally, I scroll down to the sections not s...
by jebmke
Wed Jun 20, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 93
Views: 6635

Re: How much (green) cash at home for emergency ?

^ the trick is to not flee toward a disaster area but rather away.
by jebmke
Wed Jun 20, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 93
Views: 6635

Re: How much (green) cash at home for emergency ?

We have a fire/water proof safe in the home where we keep our important documents and about $300 in cash in case of emergency. The safe may be fireproof but I am not sure the contents are. The money is inconsequential but the docs may not be. A friend of mine returned from vacation to find his hous...
by jebmke
Wed Jun 20, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Temporary Residency Tax Deduction for Surgical Fellowship
Replies: 5
Views: 237

Re: Temporary Residency Tax Deduction for Surgical Fellowship

pshonore wrote:
Wed Jun 20, 2018 7:57 am
2018 tax reform eliminated the deduction for unreimbursed employee business expenses if you're paid on a W2.
Line 21-28 on Schedule A pretty much gone entirely, right?
by jebmke
Wed Jun 20, 2018 7:11 am
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 21
Views: 2377

Re: Is there a way to block someone?

Blocking would not solve this. Just don't read that poster's comments.
by jebmke
Tue Jun 19, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to Amend a 2016 tax return?
Replies: 8
Views: 386

Re: How to Amend a 2016 tax return?

Ok that makes sense. I originally didn't see my 2016 return listed on my tax software but after some searching, I do now. Thanks all. If you are using retail software (e.g. Turbotax, HRBlock ...), you should have software specific to the year you are looking at. I don't think the 2017 version of Tu...
by jebmke
Tue Jun 19, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to Amend a 2016 tax return?
Replies: 8
Views: 386

Re: How to Amend a 2016 tax return?

I just realized that I didn't report a ~$2,400 short term loss on my 2016 tax return. What's the easiest/best way to amend the return? Did you use tax software to prepare the return? If so, the software will likely have a process for completing an amended return. Make sure that you start with a ret...
by jebmke
Tue Jun 19, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you think it is smart to disclose that you have passive investments to other people?
Replies: 43
Views: 4055

Re: Do you think it is smart to disclose that you have passive investments to other people?

One thing I do expect professionals to disclose is any investment or activity that might represent a conflict of interest. Lawyers do this routinely. In the case of doctors, when I was seeking an orthopedic specialist a few years ago I did inquire about ownership of interests in diagnostic labs and ...
by jebmke
Tue Jun 19, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 64
Views: 2337

Re: Road trip Pennsylvania,Maryland,and DC

If it were me, for 7 days I'd pick two places and stay put, except short trips to nearby sights. Otherwise you are spending a lot of time driving and checking into and out of hotels.
by jebmke
Tue Jun 19, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 23
Views: 1626

Re: Marriott hotels using Alexa/Echo in guest rooms?

I have an Alexa at home and would welcome one in my hotel room. If you are worried about an Alexa conspiracy or afraid of new fangled devices, I suggest unplugging it. If you haven't tried Alexa, use the music portion while in your hotel room, you will get very addicted. If you are really bored, pl...
by jebmke
Sun Jun 17, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: wetlands permit for septic system replacement
Replies: 10
Views: 763

Re: wetlands permit for septic system replacement

This is likely a very local issue and I would be surprised if anyone can give you definitive input on this. Whether the neighbors have any kind of objection rights would be in the local ordinances I would think. In my area, contractors (on any type of activity) are responsible for pulling permits. I...
by jebmke
Sun Jun 17, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 93
Views: 6635

Re: How much (green) cash at home for emergency ?

If I have to flee, my plan is to go somewhere where there isn't a natural disaster.
by jebmke
Sun Jun 17, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 93
Views: 6635

Re: How much (green) cash at home for emergency ?

If the area is safe, the ATMs should work.
by jebmke
Sun Jun 17, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 2010

Re: Vanguard email about transition fund accounts to new brokerage platform

When you converted to a brokerage account, the transaction history was also converted into the new format. Everything is presented from the perspective of the settlement account, so all the dollar values get reversed from what they used to be on the mutual fund platform. Purchases are negative, and...
by jebmke
Sun Jun 17, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: wetlands permit for septic system replacement
Replies: 10
Views: 763

Re: wetlands permit for septic system replacement

If you are not familiar with septic systems, I would pass on this house and look for one not in a wetland area. I would expand this to also state that it is good to get an understanding of the local and state regulations for the specific property in mind before signing a contract. Do not rely on st...
by jebmke
Sun Jun 17, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: wetlands permit for septic system replacement
Replies: 10
Views: 763

Re: wetlands permit for septic system replacement

How badly do you want this specific house? The permits could be a major hurdle and it is pretty likely that all permits and construction would have to be completed before finalizing the purchase. You should talk to your real estate agent, inspector and code/permit agents before making this decision...
by jebmke
Sat Jun 16, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 69
Views: 3719

Re: Tracking spending before retirement useful for estimating retirement expenses?

I have been retired for 10+ years. Since I did not live in the US immediately prior to retirement I have no expectation that my expenses now are similar. I did prepare a ground up budget prior to retirement, including a contingency amount for things I might have forgotten. My expenses on average hav...
by jebmke
Sat Jun 16, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1809

Re: How much tilt is enough to make a difference?

For most of our accumulation phase we tilted to small and mid-cap-value; this varied but ranged from 50-75% of our equity. We've dialed it back quite a bit since retiring but if I were starting from scratch today I wouldn't have any asset class weighted less than maybe 20-25%. Much below that just i...
by jebmke
Fri Jun 15, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1851

Re: Am I "market timing"?

AerialWombat wrote:
Fri Jun 15, 2018 2:45 pm
The US equities market appears to have gone on sale today.
Total Stock Market is down 15bp. Less than noise.
by jebmke
Fri Jun 15, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Conceptually: *Why* does the Yield Curve invert?
Replies: 29
Views: 3168

Re: Conceptually: *Why* does the Yield Curve invert?

The term premium from 5 to 30 has been hovering below 1bp per year - virtually flat.
by jebmke
Fri Jun 15, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs based on 1986 life expectancy versus today?
Replies: 23
Views: 1950

Re: RMDs based on 1986 life expectancy versus today?

I'm not doing anything. For one thing, the "longevity" metric that is more important is the conditional longevity once you reach retirement. I'm not sure that has changed as much as the average longevity from birth.
by jebmke
Fri Jun 15, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1220

Re: Long Weekend in November - NOLA, Austin, Other

fishmonger wrote:
Fri Jun 15, 2018 7:39 am
Now Galway, Cork, the countryside? Now we're talking
In that case, fly into Shannon. Kerry peninsula and also up the coast to Galway is quite nice. As is Connemara. I've done it a couple of times. Once from the US. There used to be direct flights to Shannon.
by jebmke
Thu Jun 14, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding SALT deduction
Replies: 4
Views: 465

Re: Help understanding SALT deduction

So is the 10K cap for this, and then a separate 10K cap on mortgage interest deduction? Meaning, you have to have at least 4K in additional deductions like charitable/other to select itemized vs. standard deduction for MFJ? I also am trying to understand as we've itemized for a long time, and got t...
by jebmke
Thu Jun 14, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding SALT deduction
Replies: 4
Views: 465

Re: Help understanding SALT deduction

That is my understanding.
by jebmke
Thu Jun 14, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Taking $1M+ Long Term Capital Gains
Replies: 68
Views: 6263

Re: Taking $1M+ Long Term Capital Gains

I am very confused with the tax brackets as I am seeing various numbers in various websites. Where can I find the correct information ? In my example, what should I earn in 2018 ( salary + short term gains ) so that I do not hit the 20% LTCG ? Married Filing Jointly. The definitive rates are in the...
by jebmke
Thu Jun 14, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Taking $1M+ Long Term Capital Gains
Replies: 68
Views: 6263

Re: Taking $1M+ Long Term Capital Gains

Let's not take charity in the calculation. I am interested to know on what amount the 20% capital gains kick in. More significantly, though, the transition from 15% to 20% capital gains rates will also continue to use the “old” top tax bracket thresholds of $425,800 for individuals and $479,000 for...
by jebmke
Thu Jun 14, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1288

Re: Anyone buying Individual Short Term Treasuries?

MINT looks like a completely different risk profile than US treasury securities.
by jebmke
Thu Jun 14, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Using donor advised fund to diversify stock with large capital gains
Replies: 38
Views: 2212

Re: Using donor advised fund to diversify stock with large capital gains

Indeed. My state has an estate tax that is uncoupled from the federal limits; there is also an inheritance tax if the recipient (non-charity) is not a spouse, child or sibling.
by jebmke
Thu Jun 14, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Using donor advised fund to diversify stock with large capital gains
Replies: 38
Views: 2212

Re: Using donor advised fund to diversify stock with large capital gains

Yes, dying is typically one of the most tax-efficient ways to distribute assets.
by jebmke
Thu Jun 14, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Requested rollover overnight envelope 6/4..don't have 6/13
Replies: 6
Views: 521

Re: Requested rollover overnight envelope 6/4..don't have 6/13

I have been an advocate of not changing two things at once. If I am changing tax attributes (401(k) to IRA) I have done that within the same custodian. Then I do the custodian change. When I rolled my Fidelity 401(k) into a Traditional IRA and ROTH IRA, the rollover took 10 minutes on the phone with...
by jebmke
Thu Jun 14, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Is the Dow Jones Industrial Average a useful metric?
Replies: 25
Views: 1042

Re: Is the Dow Jones Industrial Average a useful metric?

I would also add that, in my opinion, reporting the SP500 isn't useful at least 95% of the time. What is? As a retiree I look at three metrics: Is the pile large enough to get me (and spouse) to the end, making reasonable assumptions about future asset returns and withdrawals. Is the mix of asset d...
by jebmke
Thu Jun 14, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Using donor advised fund to diversify stock with large capital gains
Replies: 38
Views: 2212

Re: Using donor advised fund to diversify stock with large capital gains

Secondly, it can easily accept not just cash but also appreciated securities. This is something I would like to hear more about. I've often thought that if I inherited a problem asset (like 50% of a parent's house), that I might see if I could just "donate" my interest to a DAF and let their lawyer...
by jebmke
Thu Jun 14, 2018 6:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 41
Views: 5817

Re: Vaguard - You'll need to sign up for security codes soon

Would being an authorized agent on another's account be sort of like being a joint owner? It is more like being a power of attorney. Being a joint owner is another way to get authorized access, but it imparts ownership rights as well, and there are no joint IRAs to my knowledge. Once someone is aut...
by jebmke
Wed Jun 13, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about 2018 capital gains tax rules
Replies: 11
Views: 1275

Re: Confused about 2018 capital gains tax rules

^ I am pretty sure it is $77,200 - $200 short of the top of the 12% bracket.
by jebmke
Wed Jun 13, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2329

Re: best way to receive large sum of money from another country

I am not hugely knowledgeable, but the one time I wired money from the US to another country the bank converted my dollars to the foreign bank currency. That may mean your donor will have C$ converted to US$ for you to receive them. I would start by talking to your US bank about what is wanted. The...
by jebmke
Wed Jun 13, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2433

Re: Chipmunk Repellent?

NotWhoYouThink wrote:
Tue Jun 12, 2018 7:19 am
Black rat snakes.
Yes; we don't have chippies but we do have field mice. The snakes keep them under control most years. Owls & hawks too. This year a fox had a litter of six under our shed and I haven't seen a mouse since then.
by jebmke
Wed Jun 13, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 4669

Re: Living Abroad - Who's done it?

We lived in Belgium for about 4 years. I didn't have time for language lessons. My spouse spoke reasonable French when she got there and was quite fluent by the time we left. It was a great experience. We still keep in touch with quite a few people we knew there. More than half of my staff was in Ro...
by jebmke
Wed Jun 13, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Using donor advised fund to diversify stock with large capital gains
Replies: 38
Views: 2212

Re: Using donor advised fund to diversify stock with large capital gains

The advice is sound. I'm sure the accountant will advise you with respect to the AGI limitation on DAF deductions for appreciated property. Just something to watch for.
by jebmke
Tue Jun 12, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard -Data Concerns
Replies: 29
Views: 2211

Re: Vanguard -Data Concerns

I'm sure those who trade probably aren't as cavalier as I am about the various burps and hiccups experienced over the years, and I certainly see their point(s). But I do know perfection is impossible, despite gallant efforts by those involved. Yes, I think the impact of their systems varies depends...
by jebmke
Tue Jun 12, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard -Data Concerns
Replies: 29
Views: 2211

Re: Vanguard -Data Concerns

Under NO circumstances should a mutual fund company post a phony price as a placeholder to beat a time deadline. I agree; I would be perfectly happy if they waited and rolled their web site much later to make sure the update was correct. Maybe they should push their roll to something like 3am the n...
by jebmke
Mon Jun 11, 2018 4:24 pm
Forum: Forum Issues and Administration
Topic: Contacting Administrators
Replies: 14
Views: 887

Re: Contacting Administrators

You can also contact them with regular email.

https://www.bogleheads.org/ContactUs.php