Search found 375 matches

by JohnFiscal
Sat May 20, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP and SS Survivor Benefits ?
Replies: 6
Views: 509

Re: i-ORP and SS Survivor Benefits ?

... But if I leave her age "blank", which is what I have to do for her SS benefit to get the correct results, it seems that her reported benefits from her FRA through the max age are equal to her benefits as taken at her FRA but (here's the anomaly) there are also 50% benefits from age 62...
by JohnFiscal
Fri May 19, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: i-ORP and SS Survivor Benefits ?
Replies: 6
Views: 509

Re: i-ORP and SS Survivor Benefits ?

Now I have another seeming anomaly. To keep my mind straight, so, to "get what I want" (which is 'the correct output') I need to enter my spouse's SS benefit as "blank" (no entry). Got it. :thumbsup Now when entering the SS ages I can enter my own age or leave it blank. In a spec...
by JohnFiscal
Thu May 18, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP and SS Survivor Benefits ?
Replies: 6
Views: 509

Re: i-ORP and SS Survivor Benefits ?

Peter: yes, I've corresponded with the author. Nice guy. Very bright. I just hate to bother him too much without my own study first. 2Pedals: I believe I have done that (as my first course). But I''ll try it again. Thanks! ETA: yes, that does work. Unfortunately my cached input sheet is on another c...
by JohnFiscal
Thu May 18, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP and SS Survivor Benefits ?
Replies: 6
Views: 509

i-ORP and SS Survivor Benefits ?

I am giving i-ORP (or me) a chance and trying to understand what input is required and what the output is telling me. At the moment I am not understanding how/if SS for a married couple is considered. Case A: I run with my SS benefit entered as a positive value (30), I enter my spouse's benefit as 0...
by JohnFiscal
Thu May 18, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: garage door problem
Replies: 25
Views: 1415

Re: garage door problem

that happened to me once. Door system was about 15 years old. Heard a sharp noise one night, couldn't find an explanation. Next morning, door would not open (also an extra wide and heavy 2 car door with hurricane bracing). I disconnected the drive but I could not budge the door manually. It was a br...
by JohnFiscal
Thu May 18, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12271

Re: For those with $500k-$1m in investments...

age: 65 (retire in 1 year)

taxable: 24%
Roth: 6.4%
IRA: 68%
401K: 1.6% (post 59-half I have moved this into IRA as in-service rollover for more control and less cost)

I am a bit North of your $1m top end
by JohnFiscal
Thu May 18, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 766

Re: Vanguard Account Status

I have a name for my dedicated Flagship rep (what is next, "Admiralty"?) but I have never contacted them. I should send a friendly note. I started with Vanguard as a retail client around 1987 (was a 401K client before that) and had mostly dealt via postal mail, and now via the web (a Godse...
by JohnFiscal
Wed May 17, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 766

Re: Vanguard Account Status

I just sent a note via the messaging system. and the account got upgraded pretty quickly.

Not that I feel any particular benefit from having done so.
by JohnFiscal
Wed May 17, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 766

Re: Vanguard Account Status

I see 4 levels of personal client: Personal Investor, Voyager, Voyager Select, and Flagship. (ETA: I see this at https://investor.vanguard.com/investing/benefits/at-a-glance) So once you're logged I imagine you should see one of these. I do. Sounds like you're in Personal Investors. If you think you...
by JohnFiscal
Wed May 17, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 766

Re: Vanguard Account Status

Sales6280 wrote:In my portal all I see in the grey band over the logo is the Personal Investors drop down menu.


And this is after you have logged into your account?
by JohnFiscal
Wed May 17, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 766

Re: Vanguard Account Status

I went through that myself, trying to find that status. I think if you look at the very top of the Vanguard window, to the left, right above the Vanguard logo...in the "gray band" at the top of the window...you'll see your account status.
by JohnFiscal
Wed May 17, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1652

Re: Excel Macro using Yahoo Finance- not working

I am familiar with "gummy" from the Canadian forum, and I figured I would check out the link to the Yahoo data download. Apparently Yahoo sent a 'cease and desist' email and this information has been taken down, I don't know if this was recently or if this has been longstanding. http://www...
by JohnFiscal
Tue May 16, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1652

Re: Excel Macro using Yahoo Finance- not working

Just curious why you folks use Yahoo! Finance and an Excel spreadsheet when you can use Morningstar's free portfolio manager. You don't have to spend time downloading prices. Also when there are dividends or cap gains distributions they are very easy to post to your portfolio. Do these Excel macros...
by JohnFiscal
Tue May 16, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: How to stay on a budget?
Replies: 31
Views: 3145

Re: How to stay on a budget?

For me, there are always those "unexpected emergencies". But most of those are entirely predictable to some extent, maybe not "when" but "what" and "how much" are often predictable. Need tires for the car? no, that's not an emergency, that's planned for. Oh! B...
by JohnFiscal
Fri May 12, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 33
Views: 2875

Re: Retirees, what is your marginal tax rate?

Not retired, but I use spreadsheets to plan out my anticipated income (based on pension, SS, RMDs, taxable account returns) and then determine the anticipated income tax using current rules (standard deduction, exemptions, etc). That gives me the marginal tax rate. I also try to account for the effe...
by JohnFiscal
Thu May 11, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: I-ORP, Firecalc, The RPM, etc, et al: Question
Replies: 7
Views: 764

Re: I-ORP, Firecalc, The RPM, etc, et al: Question

BigFoot, thanks for the reply and information. I think it would be useful to provide an automatic feature to vary the age of death (I call this "DOA" in my own Excel workbooks, my wife is not amused). This could be done using VBA to automatically change the DOA and capture the results, or ...
by JohnFiscal
Thu May 11, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: I-ORP, Firecalc, The RPM, etc, et al: Question
Replies: 7
Views: 764

I-ORP, Firecalc, The RPM, etc, et al: Question

Jumping off from this top notch summary of I-ORP (https://www.bogleheads.org/forum/viewtopic.php?f=10&t=218659) I have a general question about the many 'retirement planners' available. Do any consider the effects of the death of one spouse in a couple on the finances of the remaining spouse? I ...
by JohnFiscal
Thu May 11, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 35
Views: 2285

Re: How I use I-ORP, and who shouldn't

OP, thank you for the good review of ORP. I had fiddled around with this in the past but really hadn't tried to make full use of it. With your comments I'll head back there and try again. I have one question about I-ORP (and Firecalc, et al) but I think I will put that in a new thread. Thank you aga...
by JohnFiscal
Tue May 09, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to obtain older ROTH contribution #'s
Replies: 10
Views: 1141

Re: Best way to obtain older ROTH contribution #'s

retiredjg: Thank you for the info. I have carefully held onto a form 8606 for 25+ years, regretting ever having made one year of nondeductible contribution to an IRA. I thought I was safe shredding most everything else (saving annual statements). Hadn't thought about the Roths but at 65 I am safe on...
by JohnFiscal
Tue May 09, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: SS benefits for widow ?
Replies: 5
Views: 1088

Re: SS benefits for widow ?

Following up based on a newer similar thread. See bolded text below. https://www.ssa.gov/OP_Home/cfr20/404/404-0338.htm "The Code of Federal Regulations" (current law) § 404.338. Widow's and widower's benefits amounts. (a) Your monthly benefit is equal to the insured person's primary insur...
by JohnFiscal
Tue May 09, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Benefits
Replies: 13
Views: 1448

Re: SS Survivor Benefits

I had the same question. My spouse will get benefits equal to 50% of my FRA benefit once she reaches her FRA. This is so even if I delay my own SS benefit until beyond my FRA (as my own wife is more than 10 years younger than me, and has no SS on her own, I am not going to get into any alternative s...
by JohnFiscal
Mon May 08, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to obtain older ROTH contribution #'s
Replies: 10
Views: 1141

Re: Best way to obtain older ROTH contribution #'s

I have to admit that this question has me worried. Having burned up my shredder on a few occasions destroying countless old statements and confirmations. Is there some reason that I (or my spouse or another beneficiary) may need this information later?

Does this apply only to Roths?
by JohnFiscal
Mon May 08, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: savings account versus money market fund
Replies: 13
Views: 2093

Re: savings account versus money market fund

I've now closed the Cap One 360 savings accounts and moved to their money market accounts. Also, some ("virtual") sub-accounts within the checking account have been moved over as well. All in the game of eking out better interest return. A comment on the Cap One 360 user interface...it wor...
by JohnFiscal
Sat May 06, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: savings account versus money market fund
Replies: 13
Views: 2093

Re: savings account versus money market fund

Thank you for the tips. I used to hold lot of cash in Vanguard's Prime Money Market Fund (yes, "fund", versus the "account" at Cap One 360) back when I could count on a couple hundred dollars dividends each month, back in the day. Now there's $10.25 in there and I should likely j...
by JohnFiscal
Sat May 06, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: savings account versus money market fund
Replies: 13
Views: 2093

savings account versus money market fund

I'm trying to do some financial housekeeping. For the past some years I've had online banking accounts with Capital One 360 (they took over the ING Orange online banking). These consist of a checking account for daily use and two savings accounts for different purposes (the larger account is itself ...
by JohnFiscal
Thu May 04, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2210

Re: Amazon shipment "stuck" at UPS distribution

I'm not sure what the rep you spoke to having an accent has to do with anything unless you had difficulty understanding what the rep said or vice versa. good point. Due my work involving being on the phone with people calling from all over the globe I have gotten pretty good at discerning/identifyi...
by JohnFiscal
Thu May 04, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2210

Re: Amazon shipment "stuck" at UPS distribution

reorder with overnight delivery.

Then refuse or return the second item to show up (which would be either the first or second shipment)
by JohnFiscal
Tue May 02, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 3364

Re: Buying a diamond ring

I have bought two pairs of very high quality diamond stud earrings, and a diamond pendant, (about $11K all told) from the same online dealer (who does maintain a small "office front" in another city). I did deal with him in-person the first time. But I have all expectations that you will b...
by JohnFiscal
Mon May 01, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: best retail source: service or price?
Replies: 4
Views: 247

Re: best retail source: service or price?

I do keep a supply of those Macy's bags around...

Thanks!
by JohnFiscal
Mon May 01, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: best retail source: service or price?
Replies: 4
Views: 247

best retail source: service or price?

I have the feeling I've asked a similar question here once before, but maybe not as I can't locate it in my history. Probably I "took care of it myself". But now I am wondering again. So I was looking for some perfume for my wife. I could go to Macy's, Saks, the high end places, Sephora, e...
by JohnFiscal
Fri Apr 28, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Home Refinance Question
Replies: 7
Views: 531

Re: Home Refinance Question

I'm thinking the difference in mtg payments is $1049 - $945 = $104. With the PMI ($28) you're paying $132 more per month. But won't the PMI end once you get to like 80% equity? And that point will come that much quicker with the 'new' mortgage than the original. Sounds like a win to me. Without comp...
by JohnFiscal
Thu Apr 27, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11032

Re: When do you plan to die?

For retirement planning I check scenarios with a long life (and expenses to suit). But I have also checked the effects of if I "die early". In this event there won't be my own SS to carry the costs of things, my spouse's portion of my pension will be reduced, etc. So, overall, income is re...
by JohnFiscal
Wed Apr 19, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Withdrawal question
Replies: 6
Views: 447

Re: Traditional IRA Withdrawal question

DSInvestor wrote:There is no 5 year clock for Traditional IRA contributions.


agree. The 5 years applies only to Roth IRAs and has some special provisos even then.
by JohnFiscal
Sat Apr 15, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: RMD for spouse as beneficiary of IRA?
Replies: 3
Views: 389

Re: RMD for spouse as beneficiary of IRA?

Thank you for confirming.
by JohnFiscal
Fri Apr 14, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: RMD for spouse as beneficiary of IRA?
Replies: 3
Views: 389

RMD for spouse as beneficiary of IRA?

Distributions for my spouse (my widow), who is the only beneficiary of my regular IRA, are described in the summary instructions here (https://www.irs.gov/retirement-plans/required-minimum-distributions-for-ira-beneficiaries) and in Publication 590-B (under "What if you inherit an IRA?" in...
by JohnFiscal
Thu Apr 06, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Determining J&S annuity %'s for Pension?
Replies: 5
Views: 478

Re: Determining J&S annuity %'s for Pension?

I did just post a reply but I think it must have been lost as it was written just before Silk's second message and I clicked the "Submit" button after Silk's message. Usually the forum software alerts to this case, and perhaps it did today but I didn't think so. But now my reply seems to b...
by JohnFiscal
Tue Apr 04, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Determining J&S annuity %'s for Pension?
Replies: 5
Views: 478

Determining J&S annuity %'s for Pension?

If the joint and survivor annuity percentages for 50% and 75% options are known, can the benefits for other percentages, such as 66-2/3% and 100%, be determined by some means? I'm applying for a pension from a former employer. The documents list the amounts for the 50% and 75% J&S annuity option...
by JohnFiscal
Mon Apr 03, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 6703

Re: Got my second comma -- what is this anticlimactic feeling?

Perhaps it's maturational, over your hard work of saving, budgeting, investing, etc, you have learned that while having money is great (better than not having it) it is not an "emotional" thing. I went through something similar when I graduated university (on the 8 year plan). And I think ...
by JohnFiscal
Mon Apr 03, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2135

Re: Google Voice as secondary number: pros & cons

We have used Google Voice as our "primary" number for years. Our Verizon land line (as part of cable package) is the "throw away" line for spam, etc. With GV we have more control (versus "none") over blocking callers, etc. It is very convenient and the voip is just fine...
by JohnFiscal
Tue Mar 28, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Calculating Expected Taxes Per Paycheck
Replies: 23
Views: 1715

Re: Calculating Expected Taxes Per Paycheck

simpler than IRS publication 15 is this document specifically for withholding amounts https://www.irs.gov/pub/irs-pdf/n1036.pdf
by JohnFiscal
Wed Mar 22, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Small appliance electrical safety
Replies: 37
Views: 1618

Re: Small appliance electrical safety

In my office the microwave and the toaster oven are both plugged into the same receptacle. The circuit is always being blown when both are on.
by JohnFiscal
Wed Mar 22, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 40
Views: 2811

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

I paid about $300 each for my pair of Klipsch Heresy II speakers back in 1975. Still use them daily. I have never seriously wanted something more/different.

The Heresy III's are now going for $999 each. So I am going to say the sweet spot is about $1,000 per speaker.
by JohnFiscal
Tue Mar 21, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: My retirement funding strategy - for comments please
Replies: 10
Views: 1348

Re: My retirement funding strategy - for comments please

Have you looked at BigFoot48's "Retiree Portfolio Model" ? It seems to allow you to model much of this. Thanks for the tip. I have looked at that several times in the past. I'll have to check it out again. In the end though I like to build my own calculating machines (yes, it's incredibly...
by JohnFiscal
Tue Mar 21, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 6419

Re: What's your strategy for withdrawing funds in Retirement ?

I had posted my strategy a week or two ago here at bogleheads viewtopic.php?f=2&t=213621&p=3279466#p3279466

I am still continuing to crunch numbers in a complex spreadsheet. Sometimes I get counter-intuitive results. But the investigation goes on.
by JohnFiscal
Wed Mar 15, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 17
Views: 1521

Re: Anyone subscribe to Barron's?

Up to 25 years ago I used to read Barron's regularly (pre-internet). I subscribed but my issues came in Monday's mail. Too late. So I went back to standing in line at 7-Eleven with hot-off-the-press Barron's on Saturday afternoon. The people ahead of me were always buying Power Ball tickets. I hated...
by JohnFiscal
Tue Mar 14, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Money Market Funds
Replies: 16
Views: 2505

Re: Vanguard - Money Market Funds

I used to keep a lot of cash in the Vanguard MMF, have had the account since 1988. Sometimes probably "too much" cash, but then as rates went down I kept more cash in ING Orange online checking and saving, which paid around 1% (and is now owned by Capital One as "360"). Trying to...
by JohnFiscal
Mon Mar 13, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Increase W4 withholdings or make estimated tax payments
Replies: 18
Views: 1168

Re: Increase W4 withholdings or make estimated tax payments

personally, I like increasing the W4 withholdings. It "smooths things out" for budgeting. And one less thing to remember to do manually.
by JohnFiscal
Mon Mar 13, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: My retirement funding strategy - for comments please
Replies: 10
Views: 1348

Re: My retirement funding strategy - for comments please

Thanks for all the review comments. I added some info to my original post. Good point about checking RMDs in later years; I'm aware that the % of the IRA balance increases over time. Hoping to get my latest Excel spreadsheet/VBA completed sometime or another to investigate the details. But I think I...
by JohnFiscal
Mon Mar 13, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: My retirement funding strategy - for comments please
Replies: 10
Views: 1348

My retirement funding strategy - for comments please

I have been crunching numbers for many years on funding for retirement. But I would like to put out a list, not of numbers [ ETA: adding some summary numbers at the bottom ], but of my ideas for general principles or guidelines for myself, and ask others to review and comment on any flaws or mistake...
by JohnFiscal
Sun Mar 12, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Inconsistency in RMD factor per Table 1 ?
Replies: 6
Views: 439

Re: Inconsistency in RMD factor per Table 1 ?

Oh, my. Thank you both for the tip. Does something like this apply to Table 2 for my wife as my survivor? (Using Table 2 because my spouse is indeed more than 10 years younger). ETA: I actually took out more than the RMD for the first few years (well, actually, all such years). I am now studying thi...

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