Search found 12826 matches

by jebmke
Mon Jun 21, 2021 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Hire Housekeepers / Gardeners / Contractors?
Replies: 10
Views: 548

Re: How Do You Hire Housekeepers / Gardeners / Contractors?

Recommendations from others in area and some in similar business.
by jebmke
Mon Jun 21, 2021 4:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5229
Views: 1341071

Re: What Book Are You Currently Reading? Part VI

A Trick of the Light by Louise Penny.

Chief Inspector Gamache and his team investigate yet another death in Three Pines, a veritable killing field in Quebec.
by jebmke
Mon Jun 21, 2021 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Depend on Social Security?
Replies: 29
Views: 1082

Re: Depend on Social Security?

Retired now, but never made an explicit assumption about SS. But should add that we never had “a number” either. We simply had a savings plan, an investment strategy and then focused on enjoying life. Things were a little more lax in those days. No internet in early years so looking at numbers often...
by jebmke
Mon Jun 21, 2021 3:18 pm
Forum: Personal Consumer Issues
Topic: Network storage, portable, reliable
Replies: 1
Views: 132

Re: Network storage, portable, reliable

I don't use RAID since everything on my (fairly old) single disk NAS is also backed up. The NAS is there mainly as a mirror. Synology is one of the names I keep seeing fairly highly rated from time to time when I look at doing something different. I've only seen 2 and 4 bay systems -- can't recall e...
by jebmke
Mon Jun 21, 2021 2:55 pm
Forum: Personal Consumer Issues
Topic: Do you use a Kindle? Are they worth trying?
Replies: 43
Views: 1547

Re: Do you use a Kindle? Are they worth trying?

lazydavid wrote: Mon Jun 21, 2021 2:36 pm Ironically, one such case was Orwell's 1984.
Which was a bit hilarious since I think it is in the public domain now. I think I downloaded it off one of the free sites like Gutenberg last year when I decided to re-read it.
by jebmke
Mon Jun 21, 2021 2:52 pm
Forum: Personal Consumer Issues
Topic: Do you use a Kindle? Are they worth trying?
Replies: 43
Views: 1547

Re: Do you use a Kindle? Are they worth trying?

I use a Kindle for most books. For some non-fiction (especially ones with charts, tables, pictures) I prefer hard copy books. When the library was closed during the pandemic we were still able to get books via Libby and read them on our Kindles.
by jebmke
Sun Jun 20, 2021 7:59 pm
Forum: Investing - Theory, News & General
Topic: Impending Alzheimer’s: what would be your investment for life?
Replies: 50
Views: 4700

Re: Impending Alzheimer’s: what would be your investment for life?

I wouldn't change anything. Ours is now on automatic. Worst case, spouse would drag her feet on re-balancing into equity in a down market but she'd be fine either way.
by jebmke
Sun Jun 20, 2021 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRS online account sign up issues
Replies: 5
Views: 422

Re: IRS online account sign up issues

I had the same issue. It turns out my cell phone is on our account that is in my wife’s name. Since the primary name on the return (me) didn’t match the name on the phone account it was unverifiable.
by jebmke
Sun Jun 20, 2021 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: roof issue in final walk through
Replies: 15
Views: 1629

Re: roof issue in final walk through

I would say, and this is just my personal opinion, that if the process has gone reasonably well up until now and you feel like the seller has acted in good faith all along, this shouldn't be an issue. We had a similar "incident" when we did our walk through in current house. The pool pump ...
by jebmke
Sun Jun 20, 2021 9:38 am
Forum: Personal Consumer Issues
Topic: Tire Selection Advice Requested
Replies: 29
Views: 1421

Re: Tire Selection Advice Requested

I've had Yokohama tires for years on my RAV4. They have lasted a long time and good mileage. They should be lower cost than the Michelins.
by jebmke
Sun Jun 20, 2021 8:06 am
Forum: Personal Investments
Topic: Investing in Retirement Question
Replies: 4
Views: 667

Re: Investing in Retirement Question

No, that’s the problem. The whole point is to maintain flexibility. I need to figure out where to stick a few hundred thousand dollars given that I may need to withdraw it again in about 10 years. I don’t want to be stuck with a huge amount of taxes. If you mean capital gains tax -- wouldn't that b...
by jebmke
Sun Jun 20, 2021 6:40 am
Forum: Investing - Theory, News & General
Topic: What pitfalls do even smart people make when buying a home?
Replies: 99
Views: 7542

Re: What pitfalls do even smart people make when buying a home?

Normchad wrote: Sat Jun 19, 2021 10:25 pm A lot of people fall in love with “the one house” they must have…….
This. Have seen this over and over. Must have and won’t leave.
by jebmke
Sun Jun 20, 2021 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Debt averse but took 0% car financing over cash rebate. Need advice.
Replies: 56
Views: 3701

Re: Debt averse but took 0% car financing over cash rebate. Need advice.

I did similar financing a couple of years ago. Put the full cash price in my online savings account and the payments hit that account automatically. I don’t even notice it.
by jebmke
Sat Jun 19, 2021 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Amended return refund different than expected
Replies: 6
Views: 496

Re: Amended return refund different than expected

MnD wrote: Sat Jun 19, 2021 2:47 pm I can't explain the $4.60
Interest
by jebmke
Sat Jun 19, 2021 11:46 am
Forum: Personal Investments
Topic: Help me understand current Vanguard bond fund prices
Replies: 5
Views: 659

Re: Help me understand current Vanguard bond fund prices

Interest rates have declined recently.

10-year T-Note was around 1.6% just a few days ago. Now down to ~ 1.43%
by jebmke
Sat Jun 19, 2021 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Amended return refund different than expected
Replies: 6
Views: 496

Re: Amended return refund different than expected

Unless something has changed recently, the IRS does not do direct deposit refunds on amended returns.
by jebmke
Sat Jun 19, 2021 8:48 am
Forum: Personal Finance (Not Investing)
Topic: At what point in retirement does making long-term investments drop in priority? Another existential question.
Replies: 9
Views: 1321

Re: At what point in retirement does making long-term investments drop in priority? Another existential question.

Much too complicated for my tastes. As I approached retirement I decided our investments were too complicated and set up a fairly simple target. For tax and other reasons I could not just snap it all into place at once. So, whenever I have a chance to make a move, I move toward simple and away from ...
by jebmke
Fri Jun 18, 2021 1:23 pm
Forum: Personal Consumer Issues
Topic: How to save on water costs?
Replies: 75
Views: 3961

Re: How to save on water costs?

That's greatly dependent on where one lives and the type of grass in one's lawn. This method would work in certain parts of California, but it would not work at all in other parts. Bermuda might come back in those hotter, dryer parts of California, but not until the next year. And you can kill Berm...
by jebmke
Fri Jun 18, 2021 11:39 am
Forum: Personal Consumer Issues
Topic: How to save on water costs?
Replies: 75
Views: 3961

Re: How to save on water costs?

sailaway wrote: Fri Jun 18, 2021 11:36 am Short showers. Get wet, turn the water off while you lather up, then rinse down.
Sailor's shower. Once you get the technique down (which doesn't take long the first time you blow a water tank on a sailboat long before you expected to :? ) it becomes second nature.
by jebmke
Fri Jun 18, 2021 11:35 am
Forum: Personal Consumer Issues
Topic: How to save on water costs?
Replies: 75
Views: 3961

Re: How to save on water costs?

Many (most?) lawns don't require irrigation to survive. Cut high, allow grass to go dormant in drought. Most of the time it will re-bound in the fall. We have ours cut at 4 inches. It will brown off in late summer if we get a very dry spell but when temps cool off and we get rain it always bounces b...
by jebmke
Thu Jun 17, 2021 1:45 pm
Forum: Personal Consumer Issues
Topic: Do I Actually Need New Windows, or Am I Being Sold?
Replies: 48
Views: 4512

Re: Do I Actually Need New Windows, or Am I Being Sold?

Probably yes. We replaced a lot of '80s vintage windows and exterior sliders and the impact on inside comfort was quite noticeable.
by jebmke
Thu Jun 17, 2021 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating taxes in retirement
Replies: 26
Views: 1738

Re: Estimating taxes in retirement

To expand on my earlier post - I think a lot of people assume that accountants are also tax advisors. They are not. I don't think it's reasonable to assume/expect that OP's accountant is also guiding OP on optimal asset location (i.e. Roth vs traditional), much less withdrawal strategies for the di...
by jebmke
Thu Jun 17, 2021 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Estimating taxes in retirement
Replies: 26
Views: 1738

Re: Estimating taxes in retirement

02nz wrote: Thu Jun 17, 2021 11:32 am Understanding how taxes work - and specifically YOUR taxes - is, after living below your means and using low-cost investments, probably the single most important thing you can do for your finances.
For many, even in retirement, income taxes are the single largest expense item.
by jebmke
Thu Jun 17, 2021 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Estimating taxes in retirement
Replies: 26
Views: 1738

Re: Estimating taxes in retirement

The tax law doesn't change when you retire. How do you calculate your taxes now? Tax law might change after retirement. In some states (such as IL, whose income tax rate happens to be exactly what the OP quotes) retirement funds (pensions, IRA withdrawals...) are not taxed. Maryland exempts pension...
by jebmke
Thu Jun 17, 2021 10:35 am
Forum: Personal Consumer Issues
Topic: New Computer/Security
Replies: 29
Views: 1884

Re: New Computer/Security

Android has the same issue. I bought a Samsung tablet in 2020, but it's a 2019 version so I gave up a year of updates. I finally had to abandon Android. All the OEMs have their own flavor so the update stream is slow and eventually stops even if Google is updating their native Android. I had two Go...
by jebmke
Thu Jun 17, 2021 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Estimating taxes in retirement
Replies: 26
Views: 1738

Re: Estimating taxes in retirement

One thing to keep in mind is that your marginal tax rate and your tax bracket are not always the same. One should use a tax software or something like Taxcaster that simulates an actual return to understand how changes in income affect the tax liability. This can be critical when looking at "di...
by jebmke
Thu Jun 17, 2021 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Estimating taxes in retirement
Replies: 26
Views: 1738

Re: Estimating taxes in retirement

Greetings, I am trying to estimate what my taxes would be during retirement. I looked at the Federal tax rates and saw that the tax rate for income between $80,251 and $171,050 is $9,235 plus 22% of the amount over $80,250. If I live off of $90,000, then I subtract $9,250 ($80,765) and then subtrac...
by jebmke
Thu Jun 17, 2021 6:54 am
Forum: Personal Investments
Topic: Storing Financial Information
Replies: 15
Views: 1175

Re: Storing Financial Information

sinjin55 wrote: Thu Jun 17, 2021 5:39 am anyone to have access to those accounts if need-be
Unless they are named on the account or have agency/POA this is not a good idea. Even then, some institutions require separate online credentials.
by jebmke
Thu Jun 17, 2021 6:50 am
Forum: Personal Investments
Topic: Do you have a "survival" retirement number?
Replies: 72
Views: 7109

Re: Do you have a "survival" retirement number?

Never had a number, survival or otherwise.
by jebmke
Wed Jun 16, 2021 5:43 pm
Forum: Personal Investments
Topic: Small Cap Value Tilt Allocation Question
Replies: 4
Views: 490

Re: Small Cap Value Tilt Allocation Question

Yes,generally it refers to the portion of the equity.
by jebmke
Wed Jun 16, 2021 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paying estimated 2021 taxes to avoid paying penalties
Replies: 20
Views: 1871

Re: Paying estimated 2021 taxes to avoid paying penalties

That's insane. I mean, seriously, our tax code is absolutely insane. Forcing retirees to pay 100% of last year (which could be way more than they need) or risk underestimating 90% of this year just so they don't get tripped up by all this complexity is cruel. Nobody is forced to pay 100% of the inc...
by jebmke
Wed Jun 16, 2021 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for HOA Special Assessment ?
Replies: 19
Views: 1248

Re: Tax deduction for HOA Special Assessment ?

adamthesmythe wrote: Wed Jun 16, 2021 1:07 pm The best way to avoid unexpected costs of ownership is to rent.
Or, if purchasing a condo, carefully scrutinizing the association balance sheet to ensure that adequate reserves exist. Not a guarantee but can eliminate many surprises.
by jebmke
Wed Jun 16, 2021 10:45 am
Forum: Personal Consumer Issues
Topic: New Computer/Security
Replies: 29
Views: 1884

Re: New Computer/Security

Mr. Rumples wrote: Wed Jun 16, 2021 10:17 am I've had a mac mini for more than 7 years which has worked flawlessly. At work, of course, I could just call "network support." I'd like a resource like that. Maybe that's wishing for the moon?
do you have a network problem?
by jebmke
Wed Jun 16, 2021 6:36 am
Forum: Personal Consumer Issues
Topic: New Computer/Security
Replies: 29
Views: 1884

Re: New Computer/Security

I’m not an expert but in my opinion, good security is more about user behavior than it is hardware/software. In managing a volunteer network, getting people to use strong passwords, multi factor authorization (this was a training issue inasmuch as they had no choice here), and keeping their credenti...
by jebmke
Tue Jun 15, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1147

Re: Evernote: looking for alternative

I use Apple notes, but I am all Mac/iOS. It has really matured as a notes app over the past 5 years and is a seamless user experience. There is a web version you could use on the PC, but not the same as having the app with offline acess. Thanks. I may take a look at this. My phone and tablet are iO...
by jebmke
Tue Jun 15, 2021 3:28 pm
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1147

Re: Evernote: looking for alternative

Comparison of Evernote vs Apple Notes. Author uses as you suggest you do: https://medium.com/macoclock/5-reasons-i-switched-to-apple-notes-and-abandoned-evernote-16f355a05684 Thanks. Probably doesn't run on Windows, right? That is my main platform for now. But something to consider if I decide to d...
by jebmke
Tue Jun 15, 2021 2:55 pm
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1147

Re: Evernote: looking for alternative

Looks like OneNote is the first one I should try. Easy enough to give it a shot - it is already built into my W10 installation.

Thanks for the feedback.
by jebmke
Tue Jun 15, 2021 1:49 pm
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 75
Views: 3387

Re: Rx home delivery?

One thing I should add. If the mail order is part of a national chain that has local pharmacies, if a shipment gets lost or delayed they can typically front you a supply (30-days?) from the brick and mortar. When we were on Caremark we had to invoke this a couple of times; a bit of telephone work to...
by jebmke
Tue Jun 15, 2021 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paying estimated 2021 taxes to avoid paying penalties
Replies: 20
Views: 1871

Re: Paying estimated 2021 taxes to avoid paying penalties

I normally continue paying the quarterlies at the same rate and then assess the situation in December when all my income is known. Then I adjust the Q4 payment which isn't paid until mid-January. In extreme cases I skip the entire 4th quarter. In my case it would be highly unusual for me to under ru...
by jebmke
Tue Jun 15, 2021 1:33 pm
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 75
Views: 3387

Re: Rx home delivery?

We used to use mail order, typically 90 day supplies. But then they started missing shipments and the USPS delays caused further issues (they lost shipments). We tried keeping a buffer and ordering early but the insurance company rejected the Rx. We do drive up mostly now. Small town and there are ...
by jebmke
Tue Jun 15, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1147

Re: Evernote: looking for alternative

ScubaHogg wrote: Tue Jun 15, 2021 8:52 am Are you Mac/iOS or PC?
yes; iOS on portable devices and Windows on desktop
by jebmke
Tue Jun 15, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1147

Re: Evernote: looking for alternative

runner3081 wrote: Tue Jun 15, 2021 8:07 am OneNote?
How long have you been using it? Has their UI been relatively stable?

Any issues with replication?
by jebmke
Tue Jun 15, 2021 7:49 am
Forum: Personal Consumer Issues
Topic: Evernote: looking for alternative
Replies: 17
Views: 1147

Evernote: looking for alternative

I've been using Evernote for years. I have a subscription in order to have the ability to store notes for offline access (I am often in places with zero internet and zero cell service). With each update, Evernote becomes less and less usable for me. They have frequently generated replication errors ...
by jebmke
Tue Jun 15, 2021 6:49 am
Forum: Personal Consumer Issues
Topic: Windows 11
Replies: 50
Views: 4239

Re: Windows 11

Not yet on my horizon. Normally I delay upgrades at least six months (even the semi annual ones). Something major lime W11 I’d probably run in a VM for a few months to test drive it. But my hardware will be pushing 10 years old by then so I might just bite the bullet and switch to Apple or load Linu...
by jebmke
Tue Jun 15, 2021 6:21 am
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 75
Views: 3387

Re: Rx home delivery?

We used to use mail order, typically 90 day supplies. But then they started missing shipments and the USPS delays caused further issues (they lost shipments). We tried keeping a buffer and ordering early but the insurance company rejected the Rx. We do drive up mostly now. Small town and there are t...
by jebmke
Mon Jun 14, 2021 5:39 pm
Forum: Investing - Theory, News & General
Topic: I'll never regret not having international funds in my portfolio
Replies: 272
Views: 16468

Re: I'll never regret not having international funds in my portfolio

Things I have excluded:

Gold
Hard real estate
Crypto
Junk bonds
Commodities

There; just save myself 5 posts
by jebmke
Mon Jun 14, 2021 1:43 pm
Forum: Investing - Theory, News & General
Topic: quick I need a source
Replies: 6
Views: 666

Re: quick I need a source

JupiterJones wrote: Mon Jun 14, 2021 1:17 pm
ryanbohle wrote: Mon Jun 14, 2021 12:53 pm Im trying to win an argument on facebook :)
Obligatory xkcd reference...

Image
http://hmpg.net/
Image
by jebmke
Mon Jun 14, 2021 11:51 am
Forum: Personal Finance (Not Investing)
Topic: 1099 quarterly taxes
Replies: 2
Views: 349

Re: 1099 quarterly taxes

Another thing --- do I need to submit the 1040 ES to the IRS to "show my work" --- or can I just send them the cash with the Q2 voucher form they say to send with it? Just curious. Thanks! You do not have to show your work. You can also make these payments electronically using the Direct ...
by jebmke
Mon Jun 14, 2021 10:57 am
Forum: Investing - Theory, News & General
Topic: I'll never regret not having international funds in my portfolio
Replies: 272
Views: 16468

Re: I'll never regret not having international funds in my portfolio

I have no plans to change my equity. I am holding all of it forever.