Search found 399 matches

by JohnFiscal
Thu Jul 20, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: SS survivor's benefit for my spouse
Replies: 15
Views: 1034

Re: SS survivor's benefit for my spouse

1.Fred will file for his own benefit to start on 6/1/2022, the month after he turns 70 and receive 132% of his full retirement age benefit. 2.Mary will file for her spousal benefit to start on 1/1/2026, when she is 62 and receive 32.5% of Fred's full retirement age benefit. 3.After she is widowed M...
by JohnFiscal
Thu Jul 20, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: SS survivor's benefit for my spouse
Replies: 15
Views: 1034

Re: SS survivor's benefit for my spouse

I read Piper's book recently. He says that if the surviving spouse claims widow benefits prior to FRA, those benefits are reduced. I have no disagreement with that, I would expect that to be the case. But what if my death occurs when my spouse is older than her FRA, and she has been collecting redu...
by JohnFiscal
Thu Jul 20, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: SS survivor's benefit for my spouse
Replies: 15
Views: 1034

Re: SS survivor's benefit for my spouse

Honeyb, sorry for your loss. Do you understand how much your SS benefits will be permanently reduced should you take them sooner than your full retirement age? I don't recall off-hand the exact figures but there will be a substantial reduction in benefit, on the order of getting only around 66% of t...
by JohnFiscal
Thu Jul 20, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: SS survivor's benefit for my spouse
Replies: 15
Views: 1034

Re: SS survivor's benefit for my spouse

I have assumed (known for a fact?) that the 'survivor' benefit was equal to my (the worker) benefit at time of death if the survivor is FRA or older. This morning I was running ORP and got a surprising result, which seems to be that ORP is knocking down the survivor's benefit if/when my wife takes s...
by JohnFiscal
Thu Jul 20, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: SS survivor's benefit for my spouse
Replies: 15
Views: 1034

SS survivor's benefit for my spouse

Question on Social Security survivor's benefit for my spouse. Is her eventual survivor 's benefit reduced should she have taken her spousal benefit before her FRA? I have been assuming that this is not the case and that she would get 100% of my benefit once I have croaked and she is at or beyond her...
by JohnFiscal
Tue Jul 18, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2654

Re: Would you look for a general handyman for these home jobs?

3. Install a hose holder on vinyl siding in the front of the house bit late to the game here, but I myself would hesitate to put holes in my vinyl siding. It is so thin, could be prone to tearing and leaking. I would go to the store and get a free-standing hose stand. This can be placed near the wa...
by JohnFiscal
Mon Jul 17, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2654

Re: Would you look for a general handyman for these home jobs?

4. Review the gutter situation on top of the roof as there is some heavy water coming down in certain areas, and I can't get on the roof due to height and let me add, gutter installs never struck me as a DYI job. I know that some people have done this but the work is specialized, tricky and painsta...
by JohnFiscal
Mon Jul 17, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2654

Re: Would you look for a general handyman for these home jobs?

3. Install a hose holder on vinyl siding in the front of the house bit late to the game here, but I myself would hesitate to put holes in my vinyl siding. It is so thin, could be prone to tearing and leaking. I would go to the store and get a free-standing hose stand. This can be placed near the wa...
by JohnFiscal
Sat Jul 15, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3114

Re: Urgent 1st world problem [coffeemaker]

I tried many coffee makers and ultimately settled on using an aeropress for my daily brewing. Economical and great taste. ditto. We have a $440 coffee grinder (it really does make a difference vs. the $40 one) and a $30 aeropress. Edited to add: "Irony" I will admit that sometimes I miss ...
by JohnFiscal
Fri Jul 14, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Problem logging into Vanguard from abroad
Replies: 16
Views: 2948

Re: My experience

The website kept giving me a generic message: "Your account is currently unavailable. Please try again later." So I waited, and tried later. And waited, and tried again. When I finally found the time to call Vanguard during their business hours, I learned that they were intentionally bloc...
by JohnFiscal
Thu Jul 06, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriately handling a transfer to Vanguard
Replies: 16
Views: 941

Re: Appropriately handling a transfer to Vanguard

Wa-aay over the top. And unprofessional. Personally, I would be very careful about my personal safety (and that of my loved ones) for some time. Previous post had a good point about possible explanations. Does this person report to a supervisor? If so, you might consider alerting them to the situati...
by JohnFiscal
Mon Jul 03, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Another Social Security Question
Replies: 16
Views: 1535

Re: Another Social Security Question

Yes delaying social security is like insurance. I would probably be smart to wait till 70 just not sure i want to deplete savings that much. Will take a look at that when I get 66.5 It is a tough call. The choices being "live better now" and "letting my wife live better later (when I...
by JohnFiscal
Mon Jul 03, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Unfounded Fear?
Replies: 16
Views: 1472

Re: Unfounded Fear?

I suppose that would be like living in a steel town, or a coal town, or an automobile manufacturing town. And we've seen how these cases have worked out when there were problems in those industries. Eventually the city may thrive and prosper but it can cause huge turmoil for years in the meantime.
by JohnFiscal
Mon Jul 03, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Another Social Security Question
Replies: 16
Views: 1535

Re: Another Social Security Question

Benefits for your spouse are determined differently for her "spousal" benefit and her "survivor" benefit. Note that this means in the first case you are still living and in the latter case you are gone. Her survivor benefit will be whatever your current benefit is. If you delay t...
by JohnFiscal
Wed Jun 28, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 3676

Re: Getting a new cooktop, gas vs electric?

We installed an induction range a year or two ago, in lieu of gas. Wife loved gas but now loves the induction even more so. Yes, it's the smooth glass top and I also am concerned when we use some heavy cast iron pans. But we just use care when doing so. Been a number of threads here about induction ...
by JohnFiscal
Fri Jun 16, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Financial Engines usage
Replies: 5
Views: 551

Re: Financial Engines usage

Thank you for the insight. I wasn't aware of that assumption, although I was reading some of their assumptions this morning. FE's current fund recommendations are a number of different bond and stock funds (from Vanguard, although FE does provide options to elect other families). Primarily index fun...
by JohnFiscal
Fri Jun 16, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: Financial Engines usage
Replies: 5
Views: 551

Financial Engines usage

I'm using the version of FE provided free by Vanguard. This is not my only, or even preferred tool. But to get another view on things I thought I would see what it had to say about my asset allocation and see what funds they think are appropriate. It has come a long way since 10-15 years ago when I ...
by JohnFiscal
Fri Jun 09, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10469

Re: Jim Rogers predicting "crash of a lifetime" this year or next

Have to say that his book "Investment Biker" got me through a long 3 week stay in SE Asia one time.
by JohnFiscal
Fri Jun 09, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 - no more free ATMs at 7-11
Replies: 5
Views: 966

Re: Capital One 360 - no more free ATMs at 7-11

I use the Allpoint ATMs at CVS and Walgreens.
by JohnFiscal
Thu Jun 08, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: i-ORP: Stock rate of return input?
Replies: 3
Views: 358

Re: i-ORP: Stock rate of return input?

Thank you for the tip. Have to admit, I'm disappointed (I really wanted to be told "oh, no! you'll surely get guaranteed 12%!") but in this case reality and conservatism rule the day.
by JohnFiscal
Thu Jun 08, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1892

Re: Is it possible to only replace sections of a concrete driveway?

I am wondering if it is possible to only replace sections of a concrete driveway. Definitely. It may require some specialized concrete sawing, but this is done all the time. I'm also wondering if you can replace parts (large areas, not spots) of an asphalt or macadam driveway. Yes, this is done and...
by JohnFiscal
Wed Jun 07, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP: Stock rate of return input?
Replies: 3
Views: 358

i-ORP: Stock rate of return input?

Would like some quickie, shot from the hip, advice on i-ORP input. I'm investigating a wide range of scenarios, changing and testing various inputs, trying to scientifically determine a realistic range for me. Would it seem to be too conservative to enter (1) Constant Spending with (2) Stock Investm...
by JohnFiscal
Sat May 27, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP: testing and verification ?
Replies: 4
Views: 609

Re: i-ORP: testing and verification ?

How I use I-ORP, and who shouldn't - Bogleheads.org is another thread that discusses questions about i-orp. Yes, that was an excellent overview of ORP and is what brought me back to looking at it. ...another bug (reported but not confirmed) Now fixed. ORP is really very impressive. I have the feeli...
by JohnFiscal
Fri May 26, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP: testing and verification ?
Replies: 4
Views: 609

i-ORP: testing and verification ?

Related to my recent thread about i-ORP (https://www.bogleheads.org/forum/viewtopic.php?f=2&t=219218&p=3373688#p3373688) has anyone done testing and verification of i-ORP? (and the same question can be asked of other similar software) I have been trying to verify some of the basic calculatio...
by JohnFiscal
Sat May 20, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP and SS Survivor Benefits ?
Replies: 6
Views: 643

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: 643

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: 643

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: 643

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: 1662

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: 13278

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: 895

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: 895

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: 895

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: 895

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: 895

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: 26
Views: 3332

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: 26
Views: 3332

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: 3560

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: 3210

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: 905

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: 905

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: 37
Views: 3394

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: 1259

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: 1129

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: 1603

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: 1259

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: 2343

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: 2343

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: 2343

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: 2458

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...

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