Search found 8361 matches

by jebmke
Mon Nov 12, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 3
Views: 227

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: 3
Views: 227

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
Mon Nov 12, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: 2008 level
Replies: 5
Views: 492

Re: 2008 level

yousha wrote:
Mon Nov 12, 2018 12:26 pm
Am I correct that the market is very close to to the 2008 level with todays downturn?
No
by jebmke
Fri Nov 09, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 41
Views: 3508

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: 35
Views: 2430

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: 497

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: 647

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: 497

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: 3905

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: 29
Views: 2963

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: 507

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: 1141

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: 1906

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: 1141

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: 820

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: 18148

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: 434

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: 90
Views: 5438

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: 90
Views: 5438

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: 820

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: 1317

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: 90
Views: 5438

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: 4064

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: 388

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: 4064

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: 2762

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: 4
Views: 856

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: 730

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: 743

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: 824

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...
by jebmke
Fri Nov 02, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: estimating Roth conversion amount
Replies: 5
Views: 570

Re: estimating Roth conversion amount

The more I think of it, it really doesn't even need to be a tax return. Once you know the major income items it should be pretty simple -- we aren't interested in the tax amount, partly because, at this level of income, there probably isn't a tax issue.
by jebmke
Fri Nov 02, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: estimating Roth conversion amount
Replies: 5
Views: 570

Re: estimating Roth conversion amount

I would prepare a pro-forma tax return and then use these guidelines to calculate the MAGI

https://www.healthcare.gov/income-and-h ... to-report/
by jebmke
Fri Nov 02, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: 1040X Amended tax return-where to put 1099-R distribution CD "J"??
Replies: 4
Views: 221

Re: 1040X Amended tax return-where to put 1099-R distribution CD "J"??

Looks like an adjusted gross income item. Looking at the 1040X there is only one line for Income adjustments and that is Line 1.
by jebmke
Thu Nov 01, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Paralysis by analysis
Replies: 4
Views: 903

Re: Paralysis by analysis

FSTVX FID TOT MKT IDX PR 38.64% 0.02%
FSPSX FID INTL INDEX IPR 7.80% 0.02%
FXNAX FID US BOND IDX 15.95% 0.04%
why not just use these three; ignore historical performance unless you have a time machine and can go back and invest in the winners.
by jebmke
Thu Nov 01, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2191

Re: What does your gut tell you; RMD now or in December?

Don't take your RMD late in the year--if you die then your beneficiary has to scramble to take the RMD in a very small window. As you age simplicity and reducing complexity are more important than maximizing returns in my view. True but toward the end of the year makes it easier to use the RMD to m...
by jebmke
Thu Nov 01, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Conservation Easements
Replies: 10
Views: 604

Re: Conservation Easements

This is buying land to conserve it and you take a tax break between difference of value developed - undeveloped. Lots of high net worth people use it to lower taxes. Including a politician you know well... One of my neighbors is a very large developer in DC; he lives here on the MD Eastern Shore. O...
by jebmke
Wed Oct 31, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Issue Backing Up Files to a Memory Stick
Replies: 5
Views: 539

Re: Issue Backing Up Files to a Memory Stick

Thanks Silk McCue and jebmke for some great information , the flash drive is formatted FAT32 - jebmke , I'm using Windows 10 , is reformatting to NTFS pretty straightforward in Windows 10 ? Yes, it is pretty straightforward. Make sure you copy any files on the flash drive to another place before yo...
by jebmke
Wed Oct 31, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Issue Backing Up Files to a Memory Stick
Replies: 5
Views: 539

Re: Issue Backing Up Files to a Memory Stick

If the flash drive is formatted using FAT it may have size limitations on the files. I normally reformat any flash drive I buy to NTFS before I use them.
by jebmke
Tue Oct 30, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: If you just track NW on a spreadsheet....isn't that sufficient?
Replies: 18
Views: 1993

Re: If you just track NW on a spreadsheet....isn't that sufficient?

I have a limited balance sheet on a spreadsheet but I only do this once a year to see if there is anything new I should mention to the lawyer who did our wills. Month to month it probably moves up and down mostly due to equity market movement so there isn't any need to track it month to month.
by jebmke
Wed Oct 24, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7778
Views: 1600889

Re: U.S. stocks in freefall

I'm out until DOW drops to 16,000. Short-term treasuries are the place to be. That has been my guess at the bottom of the next major correction but I'm not out. But I will re-balance in more at some point. But the Total Stock Market is still up from a year ago so we have a long way down before I hi...
by jebmke
Sun Oct 21, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6020

Re: Pull kids from school for vacations?

So it seems like only a couple states tie dollars to attendance. I'm guessing my state isn't one of them, but may google it or ask teachers. It isn't always the states that are involve. Schools in my county are partially funded by the county budget and part by the state. By state law, the county is...
by jebmke
Sat Oct 20, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Received strange letter from IRS
Replies: 14
Views: 2790

Re: Received strange letter from IRS

How long ago did you file your 2017 return? Was it paper filed or e-filed? I have a vague memory of seeing one of these for a taxpayer when they had gone well past their normal processing cycle time. The return had been kicked to a review process (it may have been triggered by a specific entry or ra...
by jebmke
Sat Oct 20, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Inspiring story of frugality and charity
Replies: 4
Views: 661

Re: Inspiring story of frugality and charity

I had a Nokia 6310 for 3-4 years. One of the most rugged phones I have ever owned. Dropped many times on concrete; once ran over it with my car accidentally - it just kept on working. Battery would last for days.
by jebmke
Sat Oct 20, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5059

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

There is a lot of misinformation in this thread. PTO is different than vacation. Vacation is paid out while PTO is not. There may be slight differences depending on locality but this is how is works in most locales. Your experience is not universal. Many employers don't have separate allocations to...
by jebmke
Sat Oct 20, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 3995

Re: Protecting large sums of cash.

US treasuries and/or brokered CDs depending on a couple of factors like need for liquidity and whether it is taxable or not at state level; if not money needed very soon, the two-year point seems to be the sweet spot.
by jebmke
Thu Oct 18, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1774

Re: Helping out with early onset Alzheimer's

A colleague of mine in a volunteer organization developed dementia at age 64 (I think it was not Alzheimers but a different form as he progressed rapidly and died approximately a year after it was detected.). When I was helping his spouse finish their taxes the year it was detected, she mentioned th...
by jebmke
Wed Oct 17, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2566

Re: flat for the year

As of yesterday, S&P 500 and Total Stock Market Funds are up 6+% YTD if I read the numbers on VG site correctly. That would include dividends. Bonds are down so if you have bond holdings that could drag down your overall performance.
by jebmke
Wed Oct 17, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do with unexpected tax refund?
Replies: 27
Views: 1567

Re: What would you do with unexpected tax refund?

Once you sort out what to do with the money I would still go back and re-look at the process and the capability of your tax practitioner. In most cases there should be no reason for a surprise refund at this late date. First, the fourth quarter payment isn't due until January 15 and for many (most?...
by jebmke
Wed Oct 17, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: What would you do with unexpected tax refund?
Replies: 27
Views: 1567

Re: What would you do with unexpected tax refund?

Once you sort out what to do with the money I would still go back and re-look at the process and the capability of your tax practitioner. In most cases there should be no reason for a surprise refund at this late date. First, the fourth quarter payment isn't due until January 15 and for many (most?)...