Search found 502 matches

by JohnFiscal
Tue Feb 20, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3515

Re: Mixing fuel octanes for cars

Credit cards can be finicky too since it would be two temp transactions, and you run the risk of the second one getting declined due to possible fraud, then ruining the rest of your day by having to talk to the issuer and explain that the transaction was intended. This happens to me all the time wh...
by JohnFiscal
Mon Feb 05, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: A Simple and Safe Retirement Income Strategy that beats many others
Replies: 14
Views: 2772

Re: A Simple and Safe Retirement Income Strategy that beats many others

...if possible, they shouldn’t start Social Security benefits or begin withdrawing from savings to pay for living expenses...
This makes me chortle. So how does one live for those intervening years? They should just have said "work until you're 70"
by JohnFiscal
Thu Feb 01, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund
Replies: 8
Views: 920

Re: Vanguard Healthcare Fund

Some time back it was stylish even for Vanguard to offer sector funds. That was a big thing in the 1990's and early aughts. I don't know how much this is still the case since they offer so many different funds now and I am recalling the days when I had a little paper booklet that listed available fu...
by JohnFiscal
Tue Jan 30, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Form 8606 (Nondeductible IRAs)
Replies: 60
Views: 6837

Re: IRS Form 8606 (Nondeductible IRAs)

I saw a similar note about this when I was using TurboTax (web-based). I didn't quite understand it as it sounded like the IRS generates the completed Form 8606. I thought that the taxpayer is supposed to fill that out when/as necessary, isn't this so? (ps: for the sake of the $4,000 I wish I had ne...
by JohnFiscal
Tue Jan 30, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Accepting an offer from an employer who said previously no!
Replies: 30
Views: 3255

Re: Accepting an offer from an employer who said previously no!

Boglemelon, for what it's worth, I think that your cons # 3 and 4 are highly negative for the private company and those two may interact to create a bad working experience for your wife. This depends a lot on the culture of the company ownership.

But who knows, maybe it would all work out.
by JohnFiscal
Thu Jan 18, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: GE Capital pension fund
Replies: 2
Views: 377

Re: GE Capital pension fund

not me, but I just happened to read this article. sounds like bad news.

http://www.msn.com/en-us/money/companie ... ocid=ientp
by JohnFiscal
Thu Jan 18, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7694

Re: Short Commute or Nicer House?

Browsed through the replies and I think I have a slightly different tack on it. I have always strived for the short commute. For my current job (in two different cities, Houston and a smaller town in Florida) I opted for the short commute (10 minutes). Nice houses in both cases, although for Houston...
by JohnFiscal
Tue Jan 16, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 10784

Re: Our 'cure' for emergency expenses

Unlike the OP, I don't know ahead of time when something is going to break. When did I ever say that I could predict the future? That being said, expecting and preparing for appliances to eventually break is hardly prognostication. Our dishwasher gave up the ghost a few months back after fewer than...
by JohnFiscal
Mon Jan 15, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: Electronic delivery of forms
Replies: 6
Views: 379

Re: Electronic delivery of forms

Then I tried saving them as PDF - for which I needed to go to the library since to don't have the software -and emailed them. As an aside, there are pdf generators available for free. I recommend "CutePDF Writer", I use it all the time and even prefer it to my full Adobe Acrobat license for making ...
by JohnFiscal
Sun Jan 14, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: where does one buy "health insurance" in the USA?
Replies: 17
Views: 1173

Re: where does one buy "health insurance" in the USA?

numberman wrote:
Sun Jan 14, 2018 12:03 pm
https://www.healthsherpa.com/
My God. Why can't the the gubment provide this clarity?

Thank you so much
by JohnFiscal
Sun Jan 14, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: where does one buy "health insurance" in the USA?
Replies: 17
Views: 1173

where does one buy "health insurance" in the USA?

Okay, I am a bit livid at the moment, sorry. Spent an hour-plus going through the "ACA Exchange", for my wife. (and this is not the only "one hour" I have spent on this issue of health insurance.) Once I retire -and I'm on Medicare- she will not have any health insurance coverage...and I'd really li...
by JohnFiscal
Thu Jan 11, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1823

Re: retiree health ins - how to propose to Employer?

OP here. Thank you all for the ideas, comments, thoughts, information, and opinions. It's been quite helpful and more than I anticipated. Thank you, Bogleheaders.
by JohnFiscal
Wed Jan 10, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Help gmail security question
Replies: 27
Views: 1597

Re: Help gmail security question

I would be tempted to call the phone number. First, I'd ask for "Joe" and play it as a wrong number (dialed wrong). Once I scoped out the number and who/how answered I would call and give them the good news that they were awarded a prize of free pizzas and our people would be down to deliver them, ...
by JohnFiscal
Wed Jan 10, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Help gmail security question
Replies: 27
Views: 1597

Re: Help gmail security question

I would be tempted to call the phone number. First, I'd ask for "Joe" and play it as a wrong number (dialed wrong). Once I scoped out the number and who/how answered I would call and give them the good news that they were awarded a prize of free pizzas and our people would be down to deliver them, j...
by JohnFiscal
Tue Jan 09, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1823

Re: retiree health ins - how to propose to Employer?

I'm going with very unlikely. I work in benefits and deal with our retirees at times. First off unless they have a definition for a retiree, your really just quitting and living off your savings. To be a retiree of the company they need to have a definition of what a retiree is (for example age 65+...
by JohnFiscal
Tue Jan 09, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1823

Re: retiree health ins - how to propose to Employer?

Thanks for the comments guys. I plan to retire at FRA (so, this year). So I won't be working here much longer. There is no "retirement plan" other than 401K. And COBRA. (and there is no full time HR person. "hey, do we even have one here now that X quit?") I am the oldest employee. The owner is a fe...
by JohnFiscal
Tue Jan 09, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1823

retiree health ins - how to propose to Employer?

hi all, I am approaching retirement (66) this year. My wife is 10 years younger than me so health care insurance for her is a big concern. Especially now with the disruption in the Affordable Care Act. I barely know how to proceed. From what I see it doesn't even seem to be possible or practical to ...
by JohnFiscal
Tue Jan 09, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: 2006 subaru timing belt replacement
Replies: 37
Views: 1232

Re: 2006 subaru timing belt replacement

12 year old car. so likely no need to 'gold plate' with the best parts. But on the other hand, there's only 72,000 miles, so it has a lot of mechanical life left to the car. (sure this isn't my wife's car? she only drives about 2,000 mi per year). It's been my experience that vehicles beyond a certa...
by JohnFiscal
Mon Jan 08, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: What is "winning the game" exactly?
Replies: 9
Views: 1381

Re: What is "winning the game" exactly?

Thank you both racy and skjoldur for very useful replies. These give fantastic info. I have several half-read Bernstein books going and I'd better get them finished, but I'm pretty familiar with the indicated comments. It is valuable to me to get the refresher course. This information (Bernstein's c...
by JohnFiscal
Mon Jan 08, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: What is "winning the game" exactly?
Replies: 9
Views: 1381

What is "winning the game" exactly?

From author Dr. Bernstein (and discussed in numerous threads here) we read about possible desirability to quit playing once the game is won (my paraphrase). This is the title of another new thread (a timely one for me) but I post separately as I don't want to sidetrack that thread. But I wonder what...
by JohnFiscal
Sun Jan 07, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4304

Re: PE firm is buying my practice. Help!

Offshore wrote:
Sun Jan 07, 2018 8:42 pm
I will say this; "If you don't fully understand all facets of what you are investing in, don't do it."
Really good words of wisdom. Saved my bacon on numerous occasions.
by JohnFiscal
Sun Jan 07, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: any success buying a car at lease end?
Replies: 25
Views: 2047

Re: any success buying a car at lease end?

Has anyone had success in buying a vehicle at lease maturity date and it actually being below market value or a good deal compared to similar used cars in the market? Long time ago we leased a 2004 Corolla LE for a very low monthly payment. The lease terms had lows miles included, but that was fine...
by JohnFiscal
Sun Jan 07, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Debating which credit card to get for airline travel
Replies: 22
Views: 1307

Re: Debating which credit card to get for airline travel

As a long-time user of the Amex Green card, I switched to the Amex Delta Platinum card a few years ago. Have taken Delta from the US to east Asia about once a year for the past 4 years, along with domestic flights, so this seemed like it would be a useful card. But I am very disappointed that the on...
by JohnFiscal
Fri Jan 05, 2018 3:53 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6094

Re: Misuse of adverse

I thought this was a thread about different types of poetry (un-actionable) but instead it is the obverse
by JohnFiscal
Fri Jan 05, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Hypothetical question: Will a man who lives forever own the world?
Replies: 23
Views: 1649

Re: Hypothetical question: Will a man who lives forever own the world?

They might essentially own the world, but following the logic of the example presented in the original post I don't think that reinvesting dividends and capital gains without limit will result in full ownership. This overlooks the fact that at the time of initial purchase there are other shares outs...
by JohnFiscal
Fri Jan 05, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 17
Views: 1488

Re: internet browsers and free software?

Alex Frakt wrote:
Fri Jan 05, 2018 3:06 am
... He asked if I was interested in putting up a site that would combine my links and his search engine. He had spare hosting space, so a couple of weeks later diehards.org was born.
Alex, that is a great tale of the events. Really nice to know how this all transpired. And thank you to you both!
by JohnFiscal
Thu Jan 04, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Annoying Vanguard "penny" discrepancy
Replies: 3
Views: 378

Re: Annoying Vanguard "penny" discrepancy

I haven't notice that specific issue, but I have sometimes noticed a discrepancy between the balance reported by Vanguard and the balance reported on my spreadsheet, the difference is usually one or a few pennies. I think it is because of rounding or truncation. For example, if I own 597.652 shares...
by JohnFiscal
Thu Jan 04, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down principal or invest
Replies: 39
Views: 1950

Re: Invest or Reduce principal on mortgage

sorry, I haven't read the full details but I think I can make a relatively useful general comment. I don't see the decision to invest or pay down mortgage as a binary decision, all or nothing. To me it's a continuum where the optimal solution will lie somewhere in-between. Yes, it's nice to have one...
by JohnFiscal
Thu Jan 04, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at FRA of 66, or delay for one year?
Replies: 11
Views: 1197

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

Thanks all. I meant to get back to this thread and make some comments, but its time has passed. One thing, the main thing, is that I found out, and now realize, that what I am experiencing, with my doubts and all, not themselves based on number crunching, are a known "thing": the "OMY" or "One More ...
by JohnFiscal
Thu Jan 04, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 17
Views: 1488

Re: internet browsers and free software?

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 I was reading furthe...
by JohnFiscal
Thu Jan 04, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: stay with old employer 401k with fees or rollover to a Vangaurd account tIRA?
Replies: 20
Views: 1081

Re: stay with old employer 401k with fees or rollover to a Vangaurd account tIRA?

Personally, I'd roll it to Vanguard and not look back. Last thing I want is to monkey around with another financial organization when I can deal direct (though you do have the benefit at the moment of the institutional fund). As you know, if the funds are in a rollover IRA, and not commingled with o...
by JohnFiscal
Thu Jan 04, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: IORP question/SS bug?
Replies: 23
Views: 1190

Re: IORP question/SS bug?

Are you taking into account that spouse is taking early benefits so payout is reduced permanently for that spouse. I was under the impression that spousal benefits are affected by an early age elected benefit but survivor benefits would not be affected if the surviving spouse was well past 70 and t...
by JohnFiscal
Fri Dec 22, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne new banking website hard to learn. Please help!
Replies: 14
Views: 1225

Re: CapitalOne new banking website hard to learn. Please help!

I haven't had any similar problems using their site for my checking and two savings accounts, such as actual missing information, etc. However, I use the site on a pc while the site is obviously designed for an audience using tablets and smart phones. The new site is really dumbed down and they want...
by JohnFiscal
Thu Dec 14, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 10854

Re: How much did you contribute to your 401k in 2017?

36 - would have been $18,000+ match but just found out a few minutes ago that they took 401k contributions out of our bonus and my last check of the year will take into account my annual review raise (two things which they did not do last year), so I am going to have to do some quick math to not ov...
by JohnFiscal
Wed Dec 13, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Sams Club self checkout
Replies: 8
Views: 859

Re: Sams Club self checkout

I hafta say that one nice thing about the scanner at Sam's was it optionally had a handheld scanner (in lieu of the "glass" slide plate) so you could shoot a bunch of stuff in your cart, that was handy.
by JohnFiscal
Wed Dec 13, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Sams Club self checkout
Replies: 8
Views: 859

Re: Sams Club self checkout

DaftInvestor wrote:
Wed Dec 13, 2017 3:32 pm
My local grocery store recently removed all the self-checkouts (there were four of them) as they simply had too many problems with them.
In grocery stores the scanner glass has to be kept clean, it'll get very dirty with grocery products.

Self-check at Home Depot is great.
by JohnFiscal
Wed Dec 13, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Sams Club self checkout
Replies: 8
Views: 859

Re: Sams Club self checkout

Our local Sam's has had those for several years. Some of them always seemed to be non-functional with large queues at the till. At that store there were such major backups at all tills, self-check and not (and with so few manned tills open), that eventually our actionable process became to let our m...
by JohnFiscal
Wed Dec 13, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "Retirement Planning When There's an Age Gap"
Replies: 1
Views: 1071

Re: Christine Benz: "Retirement Planning When There's an Age Gap"

Thanks and a tip o' the hat for this link. Useful to me.
by JohnFiscal
Tue Dec 12, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Brokerage account vs. "old style" ?
Replies: 2
Views: 463

Re: Vanguard: Brokerage account vs. "old style" ?

Thank you, nisiprius. That was an excellent presentation. I appreciate your time and patience!
by JohnFiscal
Tue Dec 12, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Brokerage account vs. "old style" ?
Replies: 2
Views: 463

Vanguard: Brokerage account vs. "old style" ?

I just noticed this little phrase at the bottom of the Vanguard website: "Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC." So, at the moment I still have the "old style" account(s), not the new "brokerage" account(s). I recall readi...
by JohnFiscal
Tue Dec 12, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: One rollover per 12 months or calendar year per IRS rules?
Replies: 8
Views: 504

Re: One rollover per 12 months or calendar year per IRS rules?

as I recall, you can do one "rollover" per year but you can do unlimited "direct transfers". Sounds like your situation falls under the latter.
by JohnFiscal
Mon Nov 20, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 17
Views: 1488

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: 17
Views: 1488

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: 15067

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: 15067

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: 11
Views: 1197

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: 1819

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: 1819

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: 23
Views: 1431

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...