Search found 461 matches

by JohnFiscal
Mon Nov 20, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 7
Views: 568

Re: internet browsers and free software?

jebmke wrote:
Mon Nov 20, 2017 8:14 am
JohnFiscal wrote:
Mon Nov 20, 2017 6:56 am
Veracrypt seems to be Vera slow
By slow do you mean slow to mount the encrypted file or slow in process (while open)?
As I recall, quite slow in mounting a USB drive. Been a month or two since Iast used it. Otherwise, its gui is like a clone of TC

ETA: TC runs fine on my Win 10
by JohnFiscal
Mon Nov 20, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 7
Views: 568

internet browsers and free software?

Forking off from https://www.bogleheads.org/forum/viewtopic.php?f=11&t=232677 about web browswers, I read the Wikipedia article about Waterfox and then Palemoon (and its "market share"), and then about web browsers in general. Then I found a related article titled "Free software programmed in C++". ...
by JohnFiscal
Sun Nov 19, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13029

Re: Dave Ramsey says don't use credit cards, even if you pay them off

that is because the spending doesn’t feel as real. I've actually gotten to this point, where "money" doesn't seem real to me anymore, it's all just numbers in Excel (or Google) spreadsheets. The inflow stream (payroll, etc) is totally divorced from the outflow stream, I don't even consider how majo...
by JohnFiscal
Sun Nov 19, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13029

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Yup. And our cc's have a tab on the spreadsheet. When we buy with a cc, the $ is moved over so that exact amount is saved for when the balance gets paid in full. Categories still have a budgeted amount. It adds complexity, but we spend the same as we did 2 years ago with no cc's. I've been using th...
by JohnFiscal
Fri Nov 17, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Retire at FRA of 66, or delay for one year?
Replies: 10
Views: 862

Retire at FRA of 66, or delay for one year?

I'm looking for words of wisdom and advice. I'm debating whether I should work for one year beyond my FRA of 66; instead, retiring at 67. FRA is coming up in the middle of next year. I believe I'm in pretty good shape financially to retire at 66. But health care for my younger wife is the wild card;...
by JohnFiscal
Fri Nov 17, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1645

Re: Social Security younger Wife

My thought is I could ramp the policy value down as I approach the witching hour, so to speak. I am not sure such a "ramp down" insurance product actually exists but I will check into it. My own policy permits a one-time "ramp down". Which I may take advantage of. My first policy was $400K. The new...
by JohnFiscal
Fri Nov 17, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1645

Re: Social Security younger Wife

My situation is pretty much identical. Same age difference, I am 65 and wife will be 54 next month ... Such situations could be a justification for a whole life policy. Probably beyond my taking any action on this, perhaps too late for me, but could you elaborate on this, please. It may be benefici...
by JohnFiscal
Fri Nov 17, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 606

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

You are overly worried about tolls. The main one you will encounter is the Sunshine Skyway Bridge at $1.25 a trip. The SunPass saves 18 cents. Hardly seems worth the trouble or expense for two weeks. Gill Agree with all this. The Skyway bridge (which you may very likely be going over) is toll but a...
by JohnFiscal
Thu Nov 16, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1645

Re: Social Security younger Wife

My situation is pretty much identical. Same age difference, I am 65 and wife will be 54 next month and has no earnings history. Your analysis seems pretty much spot-on to me, and I have been researching/pondering this for a number of years. Some time back I also became concerned about the case of my...
by JohnFiscal
Tue Nov 14, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 20
Views: 1795

Re: Mozilla Firefox Donations?

In the same vein, I donate annually to Wikipedia, support/subscribe to Slate, The Guardian (online), The Intercept, and some other online types of services, as well as 3 public radio stations. I have sent one-(or multi-)time contributions to other software developer groups as well (TrueCrypt, for ex...
by JohnFiscal
Wed Nov 08, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 36389

Re: Did you tell anyone you paid off your mortgage?

For those who paid off their mortgage, did you tell anyone besides a significant other? Parents? Friends who asked about your mortgage? Use it for a negotiation at work? ... Hate to pile on resurrecting old threads, but I am curious as to how this event could be/would be used for negotiations at wo...
by JohnFiscal
Wed Nov 08, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 79
Views: 4323

Re: Interviewing at a former employer, should I give them my current salary when they ask?

I recall a very recent thread on this very topic (although not a former employer). Can't remember if it was here or at a professional forum that I subscribe to. In any case, a search of Bogleheads forum does show a number of related threads, these might give you some direction.
by JohnFiscal
Tue Nov 07, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Can I install Linux on a 10-year old netbook?
Replies: 16
Views: 621

Re: Can I install Linux on a 10-year old netbook?

Your hardware should be compatible with current wifi networks. See this current Apple document for some small amount of background https://support.apple.com/en-us/HT202068 And many Linux installs should do fine on your system. Getting drivers for some of the hardware might be troublesome but I would...
by JohnFiscal
Tue Nov 07, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to graduate 1 semester sooner if it costs MORE?
Replies: 9
Views: 741

Re: Is it worth it to graduate 1 semester sooner if it costs MORE?

For a couple years I did the work FT and university PT gig. It is very hard, and my hat is off to you. I totally understand the desire to get 'er done. But I'm wondering if taking 3 classes per term isn't a bit much? I guess you could always try it for one semester. I'll add this: when I looked ahea...
by JohnFiscal
Tue Nov 07, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: recordkeeping
Replies: 3
Views: 385

Re: recordkeeping

I like to have the year-end statements sent to me in paper form. Other than that it's all electronic.
by JohnFiscal
Mon Nov 06, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Trade QUICKEN for Spreadsheet
Replies: 28
Views: 1874

Re: Trade QUICKEN for Spreadsheet

I use an Excel sheet with a single transaction register for all accounts: checking, savings, and multiple credit cards. I then have a "control panel" which shows the current balances of all accounts, and which updates automatically each time I enter a transaction. This sounds really interesting. I ...
by JohnFiscal
Mon Nov 06, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2111

Re: Climate controlled cars - Useful or Useless?

I actually like the system on my 2011 Volvo. It can go on "full auto" with different temps for the driver and passenger. There are four buttons that have the shape of a sitting human so you can direct the air flow to only the selected points. The human figure is used in other makes too, but pretty c...
by JohnFiscal
Mon Nov 06, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Anyone understand Permanent Press washing machine cycle?
Replies: 7
Views: 797

Re: Anyone understand Permanent Press washing machine cycle?

I use the cycle for those of my dress shirts sold as "permanent press". Not that I really accept that these shirts can be worn without any ironing (and eventually the press finish washes out); I always iron them. I believe that the wash cycle is at lower temperature and less agitation, producing les...
by JohnFiscal
Mon Nov 06, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Trade QUICKEN for Spreadsheet
Replies: 28
Views: 1874

Re: Trade QUICKEN for Spreadsheet

maybe I posted this before but back in the early 1990's I created a checkbook register in Excel, as much for the learning experience as anything. It proved to be quite useful (and it still is). I also gave Quicken and MS Money runs too. I used all three concurrently for awhile (guess I had a lot of ...
by JohnFiscal
Fri Nov 03, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep the Condo or rent to Canadians?
Replies: 12
Views: 1335

Re: Should I keep the Condo or rent to Canadians?

Try advertising in www.kijiji.ca to get Canadian vacationers. This site, owned by ebay, is sort of like Craig's List but better and nicer. You can target the city/province you want to advertise in. I believe basic ads are free. I see lots of vacation rentals in there.
by JohnFiscal
Thu Nov 02, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2935

Re: Do you Mow your own Lawn?

EmergDoc said he only wished people would wear shoes on their hands, as well as their feet when mowing! I wear long pants, shoes, safety goggles, and noise canceling earphones. It's serious business and I'm too old to lose an eye. I agree. I also wear shoes (or boots), safety glasses, and hearing p...
by JohnFiscal
Thu Nov 02, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2935

Re: Do you Mow your own Lawn?

At age 65, yes, still mow our relatively small lawn. And trim and edge, and prune. Depending on what tasks I do it may take anywhere from 30 minutes (quickie touch-up) to more likely an hour-plus (do everything) to 2 hours or more (full Cleveland). My DW has been after me for years to get a service....
by JohnFiscal
Fri Oct 27, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: SS citizenship question
Replies: 11
Views: 819

Re: SS citizenship question

When I filed for benefits, they initially said that my birthdate wasn't my birthdate. I countered with the fact that the date had been okay for 40 years while they were taking my money; my attempt at humor fell flat :shock: Sounds funny to me! But in any case, I see that they list my own birthdate ...
by JohnFiscal
Fri Oct 27, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Excel Warning Message
Replies: 9
Views: 1355

Re: Excel Warning Message

Thanks for all the replies , I'm not referencing any url and so it's most likely the fact that I'm referencing a cell in another workbook . Yes, this is exactly the case. I have had to go through this numerous times lately with moving to a new computer and moving to Office 2016 as well. As mentione...
by JohnFiscal
Mon Oct 16, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2375

Re: How does the medical billing system work?

Note to all, Thank you for the variety of insights and very informative opinions and informed comments. I appreciate this background!
by JohnFiscal
Mon Oct 16, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7092

Re: How does everyone keep track of your portfolio?

I wanted to add to my earlier reply, that in using Excel to track investments and transactions these are tied into my entire financial ecology including checking, savings, credit cards, insurance, retirement, etc. So it really makes sense for me to have the ability to pull this data in via Excel for...
by JohnFiscal
Mon Oct 16, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7092

Re: How does everyone keep track of your portfolio?

This thread is now in the Investing - Theory, News & General forum (spreadsheet). The wiki has a short list: Using a spreadsheet to maintain a portfolio (gekko), please pardon me for this..... I'm not sure it would be wise for anyone to do what this poster has suggested. This is not someone who has...
by JohnFiscal
Mon Oct 16, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5941

Re: Is Florida Over, 2017

I live in Sarasota; due to a job transfer some years ago. Our home is at 35 foot elevation above sea level (and about 3 miles from water's edge), which is almost as much as it gets in the county. It's nice enough but I can't say that it's really my cuppa tea. We miss cooler weather, young people, an...
by JohnFiscal
Mon Oct 16, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5941

Re: Is Florida Over, 2017

Taylor Larimore wrote:
Mon Oct 16, 2017 8:43 am
I live in Miami on the shore of Biscayne Bay. I grew up as a little boy next door. I see little difference in the water level.
Aw shucks, Taylor. That is Incredible!
by JohnFiscal
Sun Oct 15, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7092

Re: How does everyone keep track of your portfolio?

I also use Excel to keep track of all transactions and current value. I have found the easiest thing for me to update daily prices (actually, I do this once a week, maybe more often) is to use a Google Sheet that uses Google functions to grab the prices (but Google seems to be almost a day behind up...
by JohnFiscal
Fri Oct 13, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7442

Re: How many miles/years do you keep your car?

Based on my experience with last few cars, I lose interest in keeping them much longer than 10 years or so (having bought them new). This is based on the deterioration of the interior due to sun, heat, cold, etc. (usually the bodies look just fine), and hours driven (versus miles) ...low mileage in ...
by JohnFiscal
Fri Oct 13, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2375

How does the medical billing system work?

A general question on medical billing practices (unrelated to ACA, Medicare, etc). I don't really understand "the cost system". Can someone explain this please? Over time it's become apparent to me that in medical care there is the, call it MSRP, and then there is the contracted cost that my insuran...
by JohnFiscal
Wed Oct 11, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2707

Re: Social Security Card - Should I get a Replacement

Back around 1969 I was sent my SS card. There were two, attached to each other, stapled to a letter size card from the SSA. One was for "use", the other was for my "permanent record". I misplaced the loose one. Was never an issue until a few years ago at my work, where I've been working since 1998, ...
by JohnFiscal
Thu Oct 05, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49721

Re: Retirement Account Stolen by Identity theft

awful story, thanks for sharing the details.

Since the new account is in father's name, I wonder if he/you can just "steal it back".
by JohnFiscal
Wed Oct 04, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Suggestions for organizing bookmarks
Replies: 9
Views: 599

Re: Suggestions for organizing bookmarks

I tend to use Excel for everything. I'll have some sort of project, work or personal, and I'll create an Excel workbook, put notes in it, calculations, paste in graphics, and put in links to related sites. Works for me. Project examples are studies for Medicare, Social Security widow benefits, engin...
by JohnFiscal
Mon Oct 02, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Budgets: how do you track irregular income and expenses
Replies: 35
Views: 2513

Re: Budgets: how do you track irregular income and expenses

Like many others, I accrue on a monthly basis for any "irregular" expenses...those that occur a few times year (insurance premiums, tax bills, etc) as well as those that are truly irregular and may occur only every few years (estimated household repairs, tree trimming, auto repairs. etc), as well as...
by JohnFiscal
Thu Sep 28, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15450

Re: Why do you LBYM? Why do you save and invest?

"Why do you LBYM? Why do you save and invest?" I do this so that I can balance out my "comfort" over my lifetime. So "time" is another dimension in my investing universe. Point being that if I fully lived to my means (not LBYM) then I wouldn't have much, if any, money to save for the future. In that...
by JohnFiscal
Tue Sep 26, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Lowering Frontier FIOS bill?
Replies: 6
Views: 697

Re: Lowering Frontier FIOS bill?

I see from their site that Sling has the History channel available (https://www.sling.com/c/channels?classification=us)

My wife set this all up, I don't really know how Sling works. But for us it's less than $30 a month. I tend not to watch it myself.
by JohnFiscal
Tue Sep 26, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Lowering Frontier FIOS bill?
Replies: 6
Views: 697

Re: Lowering Frontier FIOS bill?

We have Frontier FIOS (formerly Verizon) and due to what seemed like excessive pricing recently changed our plan from the "triple play" of phone, cable, and internet, to internet only. Which saves about $150 a month in Frontier's cost. We didn't use the FIOS landline (which is VOIP) except to collec...
by JohnFiscal
Fri Sep 22, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Budget Approximates for medical insurance post retirement?
Replies: 4
Views: 414

Budget Approximates for medical insurance post retirement?

I realize this is about as wild as an open-ended question gets, but I am looking for "budget numbers" to plug into my retirement planning for health insurance. I'm sure this can and will go all over the place. But at the moment I am just looking for order of magnitude numbers. I'm looking for myself...
by JohnFiscal
Fri Sep 22, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Disproportionate to Investments
Replies: 18
Views: 1734

Re: Home Equity Disproportionate to Investments

I guess I don't see a problem here. As one pays off a home mortgage you'll have more and more equity in the home. Presumably it might be entirely paid off at retirement (some people are saying it's not a problem to have a mortgage in retirement, my own goal is to pay off my mortgage in 9 months when...
by JohnFiscal
Thu Sep 21, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Would you get flood insurance?
Replies: 25
Views: 1527

Re: Would you get flood insurance?

I lived in Houston from 1998 - 2008 (moved out just 2 weeks before hurricane Ike, which severely affected a lot of my neighbors). Based on my experience driving to work a few months after being there and seeing how the streets were heavily flooded even in that tropical storm, I obtained flood insura...
by JohnFiscal
Wed Sep 20, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 4846

Re: Online Bill Pay Security: Push or Pull?

I already replied but let me add that I really want the convenience of "automatic payment". I don't know if that is part of the whole push/pull systems. The "auto pay" thing started before there was a commercial internet. Now with the commercial internet there is the thing of logging in and pushing ...
by JohnFiscal
Wed Sep 20, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2456

Re: Time for a new laptop?

Almost a year ago I bought an expensive new Lenovo Thinkpad T460 with Windows 10. And I am using MS Office 2016 (subscription version). There are a number of complaints/frustrations/annoyances that I have with Windows 10. I use a computer all day long at the office. We are running Windows 7 and I li...
by JohnFiscal
Tue Sep 19, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 4846

Re: Online Bill Pay Security: Push or Pull?

I've used "push" a few times when transferring money around. It makes me feel a bit edgy as I may not be entirely positively confident that it's going to get pushed into the right place. So when I transfer my own cash around between my own accounts I use "pull" as much as I can. Sometimes it has not...
by JohnFiscal
Thu Aug 24, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 2985

Re: Social Security Benefits

On the bright side, your income is greatly above the ceiling to which FICA is paid (somewhere around $127,200 these days). So you can put your "untaxed by FICA" funds to work in the market.
by JohnFiscal
Thu Aug 24, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: help with picking program to manage budget
Replies: 11
Views: 743

Re: help with picking program to manage budget

This concept of the tediousness of manual entry. I'm a bit at a loss for this. If I don't manually enter my particular transactions, then how do I know that the ones that I might download (as from checking, savings, credit cards) are accurate? One method would be to retain physical receipts (or emai...
by JohnFiscal
Thu Aug 24, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: help with picking program to manage budget
Replies: 11
Views: 743

Re: help with picking program to manage budget

Actually, for the OP, I never used to "budget". I did not have a formal "budget". Instead, my Excel workbooks had my checking account ledger and I would project that out for the year with anticipated expenses. And I would set my regular savings so that the graph of the balance was essentially flat. ...
by JohnFiscal
Thu Aug 24, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: help with picking program to manage budget
Replies: 11
Views: 743

Re: help with picking program to manage budget

I started out in the mid-1990's giving Quicken, MSN Money, and my own Excel spreadsheets all a chance. I thought that either of the commercial programs would be much better than my own spreadsheets. But my experiment proved that for me using Excel was the choice and still is. My workbooks are not au...