Search found 8882 matches

by jebmke
Wed Jun 16, 2010 10:33 am
Forum: Personal Consumer Issues
Topic: Do any members own or ride a Townie bike ?
Replies: 15
Views: 5746

If you use a bike rack, make sure that they style will work on the one you use. Some bike-rack combinations are a little awkward.
by jebmke
Mon Jun 14, 2010 9:25 am
Forum: Investing - Theory, News & General
Topic: .....
Replies: 71
Views: 10406

An additional reason for me to avoid individual stocks is keeping things simple in the event that I predecease my wife. If I left her an account with 100 individual stocks in it she'd kill me -- she has no interest in active management of our assets. For people who have multiple heirs, it would seem...
by jebmke
Sun Jun 13, 2010 11:57 am
Forum: Personal Investments
Topic: Bond Bubble
Replies: 30
Views: 6656

Re: No Junk, but...

Many thanks to valuethinker and nisiprius for warnings on junk bonds now. You all make it more clear than ever to me that I don’t belong in these things. BUT, let me ask this: my bond market money is in Vanguard’s short-term investment-grade corporate and Total Bond Market. I should probably stay s...
by jebmke
Wed Jun 09, 2010 2:41 pm
Forum: Investing - Theory, News & General
Topic: Dow breaks 10,000; Joyful Investors Dance in Streets
Replies: 20
Views: 3789

Re-broke 10,000 the other direction.
by jebmke
Wed Jun 09, 2010 2:34 pm
Forum: Personal Consumer Issues
Topic: AT&T Coverage Fix
Replies: 21
Views: 3116

This does nothing for me. The only reason I have a cell phone is for emergencies (in the car) and as a backup if the IP telephone goes out (which it does when the power goes). What I really need is better coverage at my house. I have a 50 foot tulip poplar which will probably grow to over 90 feet. M...
by jebmke
Sun Jun 06, 2010 12:02 pm
Forum: Investing - Theory, News & General
Topic: What is the 25X amount needed based on
Replies: 16
Views: 2551

Just make sure you have good analysis to define what "X" is. People have a tendency to spend most of their time discussing whether it is 25, 28 or 30 and they don't know what "X" is or could be.
by jebmke
Thu Jun 03, 2010 10:34 am
Forum: Personal Investments
Topic: Tax Treatment of Capital Gains on Treasuries
Replies: 34
Views: 6491

The fact is that I am looking for clear language in the state tax codes such as something like "Capital gains realized on the sale or redemption of a debt instrument of the U.S. government are fully taxable to the state". I challenge any of you to find such clear language in any of your state tax c...
by jebmke
Wed Jun 02, 2010 2:10 pm
Forum: Personal Investments
Topic: Tax Treatment of Capital Gains on Treasuries
Replies: 34
Views: 6491

I think I recall being told years ago that Maryland didn't tax capital gains on sales of U.S. government debt, but I haven't found evidence of that policy since. Perhaps Google is not my friend. Maryland is a conforming state. AGI carries over from the 1040 including gains on treasuries. These are ...
by jebmke
Tue Jun 01, 2010 9:13 am
Forum: Personal Consumer Issues
Topic: Recommendations for lodging at Sanibel Island, FL?
Replies: 14
Views: 2584

It has been some years since I was there but my family used to have mini-reunions at this place.

http://www.sanibelmoorings.com/index.shtml
by jebmke
Sun May 30, 2010 2:52 pm
Forum: Investing - Theory, News & General
Topic: HSAs still not worth the trouble for individual investor?
Replies: 36
Views: 7973

Thanks, Grabiner. When doctor office bills the insurance, can I use my HSA balance to pay the copay instead of after-tax money at the office? Yes, you can; most HSAs will give you a checkbook or a debit card, so you can use them like a bank account (but you will owe a tax penalty if you use the che...
by jebmke
Sun May 30, 2010 2:50 pm
Forum: Personal Investments
Topic: Concerns about Total Bond Market Index in recent article
Replies: 47
Views: 9425

boost by de-emphasizing the Total Bond Market Index, which is heavy on ultra-low-yielding U.S. government bonds, and putting some assets into a fund that holds more in corporate and nongovernment mortgage-backed bonds. I'm wondering if VG I-T Bond Index fund would not solve this dilemma? Would get ...
by jebmke
Sun May 30, 2010 1:35 pm
Forum: Personal Consumer Issues
Topic: Buying Used Appliances
Replies: 17
Views: 2310

bogglehead wrote:
wjwhitney wrote: Just shop carefully.
Any tips? I guess that's my main question - how can I tell if a W/D has surpassed its usable life?
See if the seller has the original receipt or manual -- that might tell you when they were made.
by jebmke
Sun May 30, 2010 1:28 pm
Forum: Personal Consumer Issues
Topic: Setting up rental car reservation (or not)?
Replies: 8
Views: 1357

This thread reminds me of one of my favorite Seinfeld bits.

http://www.youtube.com/watch?v=A7uvttu8ct0
by jebmke
Sun May 30, 2010 11:52 am
Forum: Personal Consumer Issues
Topic: Anyone ever been to Annapolis?
Replies: 4
Views: 1184

Wednesday nights are the sailboat races from the Annapolis Yacht Club. The race finishes with a run straight into Spa Creek right in front of the bridge. There are a couple of restaurants along the creek where you can watch the finish.
by jebmke
Fri May 28, 2010 11:26 am
Forum: Personal Investments
Topic: "Transfer from one fund into two funds?"
Replies: 5
Views: 938

I just exchange to the two funds.
by jebmke
Fri May 28, 2010 11:24 am
Forum: Personal Consumer Issues
Topic: Nuclear bomb on oil spill?
Replies: 38
Views: 5242

http://www.bloomberg.com/apps/news?pid=20601087&sid=al.rFUg9w44o&pos=8 Looks like instead of nukes they are going with golf balls. Golf balls have a habit of ruining my day but not as bad as a nuke might. Finally a "good" use for golf balls. Now if they could come up with a use for a 2-iron they mig...
by jebmke
Mon May 24, 2010 8:15 pm
Forum: Personal Consumer Issues
Topic: Did you watch "LOST" last night?
Replies: 69
Views: 9251

Yes, the Yankees lost.
by jebmke
Tue May 18, 2010 4:26 pm
Forum: Personal Consumer Issues
Topic: Wireless router suggestions?
Replies: 21
Views: 2978

You mentioned you're done with Linksys, but I have had a very good experience with their WRT54GL. It received an average rating of 4.5 out of 5 stars with more than 700 reviews on Amazon. Actually, I recently attempted to upgrade to an N router, the E3000, but the range wasn't as good as the WRT54G...
by jebmke
Tue May 18, 2010 3:15 pm
Forum: Personal Consumer Issues
Topic: Wireless router suggestions?
Replies: 21
Views: 2978

I have had a Buffalo router for a couple of years and have been happy with it.

http://www.newegg.com/Product/ProductLi ... ess+router
by jebmke
Tue May 18, 2010 3:11 pm
Forum: Personal Consumer Issues
Topic: Hey! Bogleheads! Cooking at home vs going out...
Replies: 75
Views: 9121

Eating healthy at a restaurant is expensive and difficult. Eating healthy at home is cheap and easy. Generally I agree. Most restaurants serve too much food, use too much salt and fat. That said, I think some restaurants are catching on. One near us offers "half entres" at reduced prices. They will...
by jebmke
Tue May 18, 2010 2:45 pm
Forum: Investing - Theory, News & General
Topic: Dow Theorist Richard Russell: Sell Everything Liquid
Replies: 69
Views: 13498

Random Musings wrote:Then I won't be able to drink away my sorrows.

RM
Exactly. Sell my wine? Is he crazy? It is my only commodity play.
by jebmke
Tue May 18, 2010 12:26 pm
Forum: Personal Consumer Issues
Topic: Animal stamp collection
Replies: 7
Views: 1070

Re: Animal stamp collection

Hello all, I inherited an animal stamp collection my father put together for me (1955-65) In those days, large department stores had small stamp departments, and he'd pick up new offerings on his way home from work. I've been trying to figure out how to value it, and have spent several Saturday aft...
by jebmke
Tue May 18, 2010 12:18 pm
Forum: Personal Consumer Issues
Topic: Looking for some sort of self defense device...
Replies: 64
Views: 10373

I was being facetious. The poster hijacked the topic which was originally posted seeking non-lethal protection. I didn't hijack anything. Someone else brought up guns yesterday. I'm just continuing a thought process. Apologies. Seems like a lot of comments throughout the thread that offer lethal so...
by jebmke
Tue May 18, 2010 11:53 am
Forum: Personal Consumer Issues
Topic: removed from "Looking for some sort of self defense dev
Replies: 36
Views: 3371

I like the hand gun idea. It was made to stop people. And if you hit someone properly, they are stopped. Since the OP was looking for a non-lethal solution, this would require him to become a very good shot to reduce the chance that shooting his attacker didn't accidentally kill him too. I guess he...
by jebmke
Tue May 18, 2010 11:49 am
Forum: Personal Consumer Issues
Topic: Hey! Bogleheads! Cooking at home vs going out...
Replies: 75
Views: 9121

I My pizza recipe, to give one example, has evolved to the point where the wife and I haven't ordered one out for a couple of years, it's that good( I do wish I had a real pizza oven though, the typical home oven just doesn't get hot enough). I have had good success doing pizza on a gas grill. I ha...
by jebmke
Tue May 18, 2010 10:27 am
Forum: Personal Finance (Not Investing)
Topic: How to file statements? All digital??
Replies: 22
Views: 3084

femur wrote:I scan them to pdf and then email them to myself at 2 different gmail accounts. The gmail contains search words like "1099 Vanguard Statement Tax"

It makes all my documents easily searchable!
You do realize that email are not encrypted and copies linger out on various transit computers.
by jebmke
Tue May 18, 2010 10:24 am
Forum: Personal Consumer Issues
Topic: removed from "Looking for some sort of self defense dev
Replies: 36
Views: 3371

I like the hand gun idea. It was made to stop people. And if you hit someone properly, they are stopped. Since the OP was looking for a non-lethal solution, this would require him to become a very good shot to reduce the chance that shooting his attacker didn't accidentally kill him too. I guess he...
by jebmke
Tue May 18, 2010 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How to file statements? All digital??
Replies: 22
Views: 3084

I keep my statements in PDF format in a Truecrypt volume on my hard drive, and back them up in another Truecrypt volume on a flash drive. I keep my year-end statements in paper form and burned on a CD ROM with my tax returns in a fire-proof safe. I keep mine in a TC volume but back up to Mozy. I'm ...
by jebmke
Mon May 17, 2010 3:01 pm
Forum: Investing - Theory, News & General
Topic: How do you handle old "Legacy" Individual Stocks?
Replies: 34
Views: 3934

And finally, charitable organizations would just love to have you donate those stocks to them. Great point. Forgot that one. And if you don't have an immediate view of where to donate them, you can set up a charitable gift trust (Vanguard, Fidelity and others offer these). Right before I retired my...
by jebmke
Sun May 16, 2010 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: is there a reason to switch a Bank of America CA acct to TX?
Replies: 26
Views: 3833

I would recommend biting the bullet and making the change simply because local banks in Texas will most likely treat your checks as out of state, and they will thus take longer to clear (or at least for the funds to be made available to the payee). Likewise, when you deposit a check drawn on a Texa...
by jebmke
Sun May 16, 2010 5:12 pm
Forum: Investing - Theory, News & General
Topic: Retirement portfolio: buckets or not?
Replies: 16
Views: 2896

People get too hung up on the analogy of "bucket". Match the duration of your financial assets to the expected time you will need the cash flow, plus any reserves you need to feel comfortable about risk and emergencies. If you do that, you can call them "buckets", "baskets", "barrels" or whatever -...
by jebmke
Thu May 13, 2010 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Obsession-NyTimes
Replies: 107
Views: 16426

lelaniblogg wrote:I have an account with networthiq, update it monthly...you guys should give it a try, it's free!
So is spam.
by jebmke
Thu May 06, 2010 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: LadyGeek - One more security question for financial trans.
Replies: 6
Views: 1875

I got the PM to check back here. You have some good answers - set a password on the Ubuntu. The big advantage of Linux is that it sees everything on the Windows side of the hard drive as plain data. There's absolutely no problem to see every bit of every file. When you install Linux on your hard dr...
by jebmke
Mon May 03, 2010 4:53 pm
Forum: Personal Investments
Topic: Financial Software
Replies: 40
Views: 7712

When I was still working I used to catch some of my controllers reconciling their bank accounts by taking transactions off the statements and entering them into their cash books. They never really understood why I fired them. This is outside my realm of expertise, but why DID you fire them? Is ther...
by jebmke
Mon May 03, 2010 3:12 pm
Forum: Personal Investments
Topic: Financial Software
Replies: 40
Views: 7712

I have to ask a question. How often do y'all rebalance your portfolios? Is it quarterly/yearly? Seems like a simple once a year rebalance should be easy to do with the simplest of data. I use bands. Target equity is 40% +/- 5%. I have not had to re-balance in a long time since I was putting new mon...
by jebmke
Mon May 03, 2010 2:48 pm
Forum: Personal Investments
Topic: Financial Software
Replies: 40
Views: 7712

I found that I have very few transactions each year. In that environment, it is just easier for me to enter the transactions by hand and avoid the whole issue of 'do I give account numbers and passwords' to anyone or any program. I like the free Morningstar Portfolio Manager and its associated Port...
by jebmke
Sun May 02, 2010 2:13 pm
Forum: Personal Investments
Topic: Avoiding the dog food diet in retirement - portfolio help
Replies: 41
Views: 5067

jebmke - Thanks. This will prompt us to look into our possible eligibility for group retiree insurance, as well as estimating an individual policy with out of pocket expenses. And thanks for reminding us to include dental insurance/expenses as well. When I retired I looked closely at Dental Insuran...
by jebmke
Sun May 02, 2010 2:06 pm
Forum: Investing - Theory, News & General
Topic: Hoarding in response to negative real interest rates
Replies: 75
Views: 12046

Re: Hoarding in response to negative real interest rates

Adjusting for the effect of taxes, 5-year Treasuries do not offer a positive real return: 5-year nominals: 2.43% yield After-tax yield at 25% marginal rate: 1.82% 5-year breakeven inflation rate: 2.01% Real return: -0.19% The number is the same for 5-year TIPS. Buying stuff today that will increase...
by jebmke
Sun May 02, 2010 1:52 pm
Forum: Personal Investments
Topic: Avoiding the dog food diet in retirement - portfolio help
Replies: 41
Views: 5067

Re: reply to dbr

dbr - to clarify the $71K question concerning taxes. Yes, taxes are included in that figure. However, we realized one thing we hadn't included in the retirement calculations is the cost of health insurance and out of pocket expenses for medical bills. Not sure what one should use as a guide for the...
by jebmke
Sun May 02, 2010 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: My delimma with Credit Cards
Replies: 31
Views: 5387

Gekko wrote:here's a tip for everyone -

go online to all of your credit card web sites and set up email alerts for -

1. payment due
2. payment past due
I do this. But I also go online weekly and check for fraudulent transactions.
by jebmke
Sun May 02, 2010 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming Mother as a Dependent & Capital Gains
Replies: 10
Views: 1123

But how about if I decide to rebalance and reinvest the gains (no withdrawals) is that still considered realized capital gains if the funds are depsoited in the same brokerage account?
Yes
by jebmke
Sun May 02, 2010 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: VG Statements
Replies: 2
Views: 732

I still receive my statements in paper format. I recall that they were supposed to change in 2010 (with a "smarter look"!) and many folks here that received the new format hated it. I think that the ones that I have received in 2010 look exactly like the 2009 ones. Did the "smarter look" go away? N...
by jebmke
Sun May 02, 2010 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Claiming Mother as a Dependent & Capital Gains
Replies: 10
Views: 1123

Re: Claiming Mother as a Dependent & Capital Gains

I am planning to claim my mother as a dependent next year. She lives in Mexico now but due to personal reasons she has to move with me. She has no source of income except interest from a brokerage account. Her balance is about $100K earning about $6K a year in interest. I will be paying for her exp...
by jebmke
Sun May 02, 2010 11:52 am
Forum: Personal Finance (Not Investing)
Topic: VG Statements
Replies: 2
Views: 732

VG Statements

I have come to the conclusion that the people who design the statement system at Vanguard are on drugs. Whatever they have, I think I want some. Every month I get a different number of statements posted to our online account. Sometimes 2, sometimes 3 sometimes 4. In January I downloaded something ca...
by jebmke
Wed Apr 28, 2010 3:19 pm
Forum: Personal Investments
Topic: the next "big one'
Replies: 40
Views: 8075

Oh, I "get it" -- you like your chain saw <more>. Actually, I think your 18 inch bar might be undersized for some of my trees. Don't know for sure. Might be okay if they were on the ground, but standing trees? I don't know. Standing trees and chain saws make me only slightly less nervous then guns....
by jebmke
Sat Apr 24, 2010 8:05 pm
Forum: Personal Consumer Issues
Topic: Beer/Wine/Drinks
Replies: 75
Views: 9175

Grimbergen is one of my favorites but I haven't found it yet in the states. I'm sure it is out there somewhere. Try Total Wine (Total Beverage) if there is one in your area. They often have one of the 3 (Double/Triple/Blond). BTW, it tastes much better in The Netherlands! Indeed. I used to live abo...
by jebmke
Sat Apr 24, 2010 8:06 am
Forum: Personal Consumer Issues
Topic: Trojan
Replies: 63
Views: 11016

I'll bet that they will have it going in no time... Re the backup, get external USB hard drive (cheap a terabyte for under $100), and software which will image your hard drive... Like others I've used Norton Ghost, however right now I'm running two programs which will do this... Acronis True Image,...
by jebmke
Sat Apr 24, 2010 7:59 am
Forum: Personal Consumer Issues
Topic: Trojan
Replies: 63
Views: 11016

bc3x wrote:
. The quality of Dell Support can be inconsistent.
I have found this to be true irrespective of the Dell connection. Also, I haven't observed any correlation between service quality and first language.