Search found 97 matches

by jkrm
Sat Jul 18, 2020 1:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard broker-dealer summary form
Replies: 10
Views: 783

Re: Vanguard broker-dealer summary form

I got three copies of the letter, I guess for multiple accounts owned by my wife and me. Never got it before but maybe that's because I switched from online to postal mail delivery of statements. It bugged me because it says "... we don't charge the fee if you hold a certain level of assets ......
by jkrm
Sat Mar 14, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Retire now?
Replies: 20
Views: 2466

Re: Retire now?

I think math says you could retire. Congratulations to you! Now what does your gut say? If you feel very queasy, continue to work. If you feel comfortable, ring the bell and enjoy your new life. My gut says to do it. I just wanted some more objective folks to weigh in, and I appreciate all of the &...
by jkrm
Fri Mar 13, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now?
Replies: 20
Views: 2466

Re: Retire now?

Thanks, all. I really appreciate it.

To those who brought up healthcare issues: I am 65 now and have Medicare all set up. My wife turns 65 tomorrow but we don't have her fully set up yet, but it'll be soon. As soon as we've got her squared away I can discuss a retirement date with my boss.
by jkrm
Fri Mar 13, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Retire now?
Replies: 20
Views: 2466

Retire now?

I had been planning to inform my employer about my retirement in a couple of weeks. However, the current market instability has given me pause. I still think I can retire, but I want to see if anyone among the Bogleheads sees something that I don't. My wife and I are conservatively invested - about ...
by jkrm
Fri Mar 13, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower recommendation
Replies: 71
Views: 2589

Re: Battery powered lawn mower recommendation

Is it possible to buy an EGO mower *without* batteries? I currently have an EGO snowblower with two hefty batteries... I'd like to use those batteries in a mower. Maybe save myself some $$$, in true Boglehead fashion. Possible/advisable? Home Depot sells the "tool only" in some models (ma...
by jkrm
Tue Feb 11, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10668

Re: Retirement: Filling the time?

You have gotten some excellent suggestions. I don't have much to add, but a couple of things come to mind. Social connection has been shown to be very important to a person's emotional and physical well being. Take advantage of the community where you are moving in, find some groups to join, sign up...
by jkrm
Sun Feb 02, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Medicare for Non-Working Spouse - Info & Warning
Replies: 17
Views: 2086

Re: Medicare for Non-Working Spouse - Info & Warning

Just tried and it failed as I expected. I'll have to call Monday and try to get an appointment. Sorry to hear that. At least you are starting as early as possible. Also SSA told us that part of the problem is they are backed up since this is open season for Medicare; maybe they have worked off enou...
by jkrm
Sun Feb 02, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Medicare for Non-Working Spouse - Info & Warning
Replies: 17
Views: 2086

Re: Medicare for Non-Working Spouse - Info & Warning

OP, why does’t your wife qualify for Medicare on her own? Does she have minimum 40 quarters/10 years of work that paid into the system? No, she does not have 10 years of work. She quit the workforce after 7 or 8 years when the first kid was born. She was planning to return when the second kid turne...
by jkrm
Tue Jan 28, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: Medicare for Non-Working Spouse - Info & Warning
Replies: 17
Views: 2086

Re: Medicare for Non-Working Spouse - Info & Warning

I discovered the same thing. Fortunately my wife and I are the same age, and I started the Medicare sign up process as soon as possible, ie 3 mos before turning 65. Once mine was approved, I attempted to sign her up online. Everything available online says that this is possible, but it is not. She ...
by jkrm
Tue Jan 28, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Medicare for Non-Working Spouse - Info & Warning
Replies: 17
Views: 2086

Re: Medicare for Non-Working Spouse - Info & Warning

My wife will be eligible to signup for Medicare next week. I've been on it for a couple of years but am holding off on social security for a little longer. This had me concerned so I called SSA to ask about this issue. I was told she should have no problem signing up online and also has nothing to ...
by jkrm
Mon Jan 27, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Medicare for Non-Working Spouse - Info & Warning
Replies: 17
Views: 2086

Re: Medicare for Non-Working Spouse - Info & Warning

Sounds weird. And especially because she turns 65 in March, but appointment is not until later March - Contact your federal Representative and see if they can clear hurdles for you. Thanks. I called my congressman's office earlier this afternoon, and they have sent an inquiry to SSA. My hopes aren'...
by jkrm
Mon Jan 27, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Medicare for Non-Working Spouse - Info & Warning
Replies: 17
Views: 2086

Re: Medicare for Non-Working Spouse - Info & Warning

I became eligible for Medicare in 2011 and signed up - easily and successfully - online. My wife (SAHM) not eligible on her own - became Medicare eligible in 2016. She, also, enrolled online - successfully and easily - as well. One reason to enroll as early as possible is that there can always be d...
by jkrm
Mon Jan 27, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Medicare for Non-Working Spouse - Info & Warning
Replies: 17
Views: 2086

Medicare for Non-Working Spouse - Info & Warning

This is info and a warning concerning Medicare enrollment for non-working spouses or those who have a non-working spouse. I turned 65 in October. I signed up for Medicare online. Took about ten minutes. It took another ten minutes to sign up for a Medigap plan. My wife, who has not worked since 1985...
by jkrm
Mon Jan 06, 2020 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary surprise
Replies: 47
Views: 6097

Re: Vanguard Beneficiary surprise

I got this unpleasant surprise myself a year or two ago. I transferred my taxable, joint account to Fidelity, where it is still joint with my wife, and has our three kids as equal beneficiaries.

I was also told it has something to do with Pennsylvania law.
by jkrm
Thu Jan 02, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Apple iMac 2013? Replace with Fusion? Or all SSD? Security? Questions
Replies: 38
Views: 2930

Re: Apple iMac 2013? Replace with Fusion? Or all SSD? Security? Questions

As a few have suggested here, I "replaced" my original fusion drive with an external USB SSD. That was three or so years ago, and it works great. My iMac was purchased in early 2013 so it's as old or older than yours.
by jkrm
Thu Dec 05, 2019 9:36 am
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10660

Re: Urge Vanguard to support better two-factor authentication

Here is why...if you use your security key to log in, as opposed to getting a code by SMS, you can be assured that you are not being "phished" and you are actually accessing the Vanguard site and not some other site pretending to be Vanguard because the security key is communicating with ...
by jkrm
Thu Dec 05, 2019 9:33 am
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10660

Re: Urge Vanguard to support better two-factor authentication

I have sent numerous messages to my Vanguard rep urging Vanguard to remove the SMS fallback to the Yubikey - the SMS fallback just makes a Yubikey no more secure than if you only had SMS. That's not quite true. I agree that having an SMS backup option greatly reduces the security of using a securit...
by jkrm
Wed Dec 04, 2019 3:35 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10660

Re: Urge Vanguard to support better two-factor authentication

I have sent numerous messages to my Vanguard rep urging Vanguard to remove the SMS fallback to the Yubikey - the SMS fallback just makes a Yubikey no more secure than if you only had SMS. Each message included a link to an article about an account with SMS as the second authentication factor having ...
by jkrm
Wed Dec 04, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees, which accounts do you consume first: Taxable, Deferred,...?
Replies: 37
Views: 3096

Re: Retirees, which accounts do you consume first: Taxable, Deferred,...?

I spent a lot of time puzzling over this question. In our case, about a fifth of our investments are in a taxable account holding the Vanguard Total Stock Market ETF (VTI). Most of the rest is in regular IRAs, with a couple of small Roths. Originally I planned to draw down the taxable VTI and do Rot...
by jkrm
Wed Oct 30, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14395

Re: Apple Pay. Does anyone use it?

I use Apple Pay a lot. Very convenient and secure.

I also use it combined with Apple Messages to send money to my son at college. He can also use it to request money for, say, his electric bill. I get a request message from him, and just have to hit a "Pay" button. Very easy.
by jkrm
Wed Sep 04, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Any (medicare plans) experience with Silver & Fit?
Replies: 33
Views: 2108

Re: Any (medicare plans) experience with Silver & Fit?

Just to clarify - fitness programs such as those discussed above are only available with Advantage plans, right? No way to get them with Original Medicare + TRICARE for Life (supplement) as I understand it. This is correct! Silver Sneakers and Silver&Fit are not available for those who have Ori...
by jkrm
Fri Aug 16, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Financial planning tools - MaxiFi, Fire Calc, etc?
Replies: 33
Views: 3928

Re: Financial planning tools - MaxiFi, Fire Calc, etc?

I hope Maxifi works for you. I can also say that the Retiree Portfolio Model (RPM) mentioned by another poster is very good, and I tend to use both it and Maxifi. RPM does not have an MC facility and has a learning curve, but I like to use both just to give me a bit more confidence. Bigfoot 48, the ...
by jkrm
Fri Aug 16, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Financial planning tools - MaxiFi, Fire Calc, etc?
Replies: 33
Views: 3928

Re: Financial planning tools - MaxiFi, Fire Calc, etc?

But from what you've said: 1. I enter assets/portfolio numbers (and update them manually) 2. It derives the discretionary part of expenses, given a few key inputs. Is there a limit to the # of special expenses you can enter? Could I enter things like food as a input? I assume you then use EXCEL or ...
by jkrm
Fri Aug 16, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Financial planning tools - MaxiFi, Fire Calc, etc?
Replies: 33
Views: 3928

Re: Financial planning tools - MaxiFi, Fire Calc, etc?

I have been a user of Maxifi since it was just their first incarnation of ESPlanner 1.0, the desktop PC-only version back in the mid to late 90s. It is extremely comprehensive, computing taxes for every year (something that Fidelity's old planner did, but the new one does not), allowing "specia...
by jkrm
Tue Jun 18, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 6043

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

I think there is a good chance that you DID NOT pay too much, judging from your description. I paid a little more for my last pair (though it included a magnetic sunglass attachment). I am very nearsighted (my ophthalmologist says I am a fraction of a diopter from being classified as "extremely...
by jkrm
Mon Jun 17, 2019 9:53 am
Forum: Personal Investments
Topic: Should we go CD ladder or bond fund?
Replies: 22
Views: 5287

Re: Should we go CD ladder or bond fund?

Hello Bogleheads, Welcome to Bogleheads. Vanguard LifeStrategy Income contains 30% stock, which is one of the conservative all-in-one funds. It would be a better choice than an all bond portfolio. Actually, LifeStrategy Income is only 20% stock. For 30% stock you need Target Retirement Income.
by jkrm
Fri Jun 14, 2019 9:47 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 7440

Re: Do Fidelity Offices/Advisors Add Value?

My experience with Fidelity advisors has been mixed. I've been a Fidelity "Private Client", or whatever they call it, for about ten years. The first advisor I had was really good - he gave me some good advice that didn't involve buying high-fee Fidelity funds (I made it clear from the firs...
by jkrm
Tue May 21, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard: should I split taxable JTWROS into 2 accounts?
Replies: 3
Views: 439

Re: Vanguard: should I split taxable JTWROS into 2 accounts?

I had the same problem that you have, with a Vanguard Total Market Index fund that was owned jointly by my wife and me. When I called my Flagship advisor she told me that splitting the account, as you describe, was one solution. My wife and I discussed that but decided against it, so I can only let ...
by jkrm
Mon Apr 29, 2019 6:14 pm
Forum: Personal Investments
Topic: Opening an Account: Vanguard vs. Fidelity
Replies: 52
Views: 5552

Re: Opening an Account: Vanguard vs. Fidelity

Scanning through the replies, I think most of what I might have advised has been mentioned, except one potentially important item. If you are looking to open a joint, taxable account, Vanguard does not allow beneficiaries on the account, while Fidelity does. When we discovered that my wife and I mo...
by jkrm
Mon Apr 29, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 254
Views: 34988

Re: Man’s life savings stolen from hijacked cellphone number

To those with Vanguard accounts, what security measures do you take? I use a strong, unique password generated by 1Password, a Yubikey, and have set up my landline number for the backup 2FA, which avoids the possibility of a SIM swap (I *knew* there was a reason we kept that old fashioned landline).
by jkrm
Mon Apr 29, 2019 2:06 pm
Forum: Personal Investments
Topic: Opening an Account: Vanguard vs. Fidelity
Replies: 52
Views: 5552

Re: Opening an Account: Vanguard vs. Fidelity

Scanning through the replies, I think most of what I might have advised has been mentioned, except one potentially important item. If you are looking to open a joint, taxable account, Vanguard does not allow beneficiaries on the account, while Fidelity does. When we discovered that my wife and I mov...
by jkrm
Thu Apr 18, 2019 12:34 pm
Forum: Personal Investments
Topic: Fidelity email notifications
Replies: 7
Views: 910

Re: Fidelity email notifications

Thanks for the info!
by jkrm
Thu Apr 18, 2019 12:23 pm
Forum: Personal Investments
Topic: Fidelity email notifications
Replies: 7
Views: 910

Re: Fidelity email notifications

TaxingAccount wrote: Thu Apr 18, 2019 12:07 pm If you don't like it move your account to Ally Invest.
I've actually thought about doing this. How do you like Ally Invest? Pluses and minuses? Important to me - how is their customer service, and how good is their account security?
by jkrm
Tue Mar 19, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 58
Views: 4183

Re: Medicare annual physical vs wellness visit

If you have a Medigap plan (I am thinking F or G), wouldn't that pick up the cost of a physical? Or are you still stuck with just an annual wellness visit?
by jkrm
Thu Mar 14, 2019 12:28 pm
Forum: Personal Investments
Topic: SEC requirements for customer info
Replies: 7
Views: 402

Re: SEC requirements for customer info

Thanks to all for the very quick responses, and especially for the FINRA link. I looked at that page and saw that it clearly states that a customer does not need to provide that info, just that companies should seek it. I will talk to my wife tonight about how much we want to push back. I guess if w...
by jkrm
Thu Mar 14, 2019 11:36 am
Forum: Personal Investments
Topic: SEC requirements for customer info
Replies: 7
Views: 402

SEC requirements for customer info

My wife is set to receive a small inheritance from her mother. The funds are in an account at Merrill Lynch. To receive their money, she and each of her siblings must open an account at Merrill. The funds will be deposited into that account, after which they can keep it or cash it out. My wife inten...
by jkrm
Wed Mar 06, 2019 11:11 am
Forum: Personal Investments
Topic: Your thoughts on pulling the money out
Replies: 4
Views: 970

Your thoughts on pulling the money out

I am getting close to retirement (end of the year - I will be 65) and am thinking about strategies for pulling my money out. I'd like some advice/ thoughts/cautions from folks on this board in making my plan. I am fortunate enough to have enough money in a taxable account, invested in the Vanguard T...
by jkrm
Tue Mar 05, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: ESPlanner or MaxiFi for an early accumulator?
Replies: 7
Views: 918

Re: ESPlanner or MaxiFi for an early accumulator?

I started using ESPlanner a long time ago - around 1998 maybe? - when it was pretty new and I was a "mid" accumulator. I thought it did a lot for me. My wife and I were saving as much as we could, and still worried that we were not saving enough. Plus there were a lot of variables to deal ...
by jkrm
Tue Mar 05, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323818

Re: Retiree Portfolio Model

Excel 2011 MAC help is not working Dunno why DELETE isn't working for my dup post. Why does it think that one of us is going to die in 3 years? FYI the choice popup is miniscule for this: Shouldn't choosing 'i" flag an error if you are Not Using the "itemized deductions" ? at Ages &a...
by jkrm
Fri Jan 04, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323818

Re: Retiree Portfolio Model

I’m having the same problem. I suspected the load macro but haven’t had time to experiment to be sure of that. It seems like the computations all work fine though.
by jkrm
Mon Dec 03, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: First Triathlon. What bike to buy?
Replies: 33
Views: 2201

Re: First Triathlon. What bike to buy?

I don't do triathlons, but my son does. He's actually pretty good - he has a couple of outright wins, a few age-group placings, and a couple of age-group wins. I say that to lend a bit of credibility to my recommendation. My son did his first two triathlons on an old Schwinn comfort bike. His swim a...
by jkrm
Mon Oct 22, 2018 12:13 pm
Forum: Personal Investments
Topic: Vanguard's Personal Advisor
Replies: 8
Views: 2272

Re: Vanguard's Personal Advisor

If you have any personal interest in financial planning and investing, and can do some pretty simple math, you really don't need the advisory service. You can do really well with advice from this forum. Take whatever you have in assets, multiply by .003, and ask yourself if personal advice from Vang...
by jkrm
Thu Oct 18, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 161
Views: 26659

Re: Fidelity Full View transition to eMoney

I never used Full View before but this got me to take a look. I notice that it assigns categories to transactions. I tried to customize those categories, but that does not seem to be possible. I can add a new subcategory, but I cannot create a top-level category, or rename or delete one. Also can't ...
by jkrm
Tue Oct 09, 2018 9:25 am
Forum: Personal Investments
Topic: Fidelity or Vanguard [Portfolio help requested]
Replies: 23
Views: 3246

Re: Fidelity or Vanguard

You will be fine with either. Both offer excellent investment options and good customer service. Your decision to manage the money yourself is the one with more impact (and a good one!) I have found in the last few weeks in doing transfers of assets between the two that, contrary to what most posts ...
by jkrm
Fri Sep 21, 2018 5:02 am
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13940

Re: How real is cyber risk?

The problem is that Vanguard's implementation makes it very easy for a "bad guy" to circumvent the entire Ybikey process through a "SIM swap" Yep, you're right. This is far from ideal. Suppose a bad actor has somehow gotten hold of my Vanguard account password and has executed a...
by jkrm
Thu Sep 20, 2018 3:43 pm
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13940

Re: How real is cyber risk?

" So you don't have to worry if for some reason you lost it. " In other words, your Yubikey adds no extra security over SMS security codes, so why bother? What's rather scary is that Ellen Rinaldi is Vanguard's Chief Information Security Officer, and Jeffrey Lampinski is their Head of Glo...
by jkrm
Thu Sep 20, 2018 1:40 pm
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13940

Re: How real is cyber risk?

Previously in this thread I mentioned that Vanguard had recently had a webinar on account security. Today they sent out an email with highlights from that webinar, including their approach to multifactor authentication. The link to that part is https://investornews.vanguard/what-is-multifactor-authe...
by jkrm
Tue Sep 18, 2018 1:01 pm
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13940

Re: How real is cyber risk?

Don't worry, I can make you feel worse about those institutions too. :D Example #1: Not too long ago there was an outage of the symantec TFA backend service. During that outage, which lasted many hours, Fidelity did not require TFA at all. U+P was enough. Example #2: Try out the Fidelity phone syst...
by jkrm
Tue Sep 18, 2018 9:12 am
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13940

Re: How real is cyber risk?

I have read only about half of this thread, so I apologize if someone has already mentioned this. With regard to Vanguard's implementation of Yubikey as a second factor, I agree that the use of an SMS text message as a backup is a poor decision on their part. The National Institute of Standards and ...
by jkrm
Fri Aug 17, 2018 8:05 am
Forum: Personal Investments
Topic: Choosing a retirement plan
Replies: 8
Views: 851

Re: Choosing a retirement plan

Thank you, everyone, for your advice. In the end my daughter chose the defined contribution plan. My impression is she was leaning that way anyway, but just wanted assurance that she was not making a huge mistake. Having to make an irrevocable decision like this in only a couple of days, when you ha...