Search found 86 matches

by jpohio
Wed Jul 22, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: top suvs for tall driver & good mpg
Replies: 36
Views: 2351

Re: top suvs for tall driver & good mpg

Between us, DW and I have owned Honda CRV, Lexus Rx450, Honda Accord and Volvo XC60. I am 6'5". All of them had sunroofs, head room was not an issue in any of them. Best gas mileage was the CRV, Rx450 and Accord were close seconds. CRV, Accord and Volvo are 4 cylinder, Rx was 6. I would not own anot...
by jpohio
Wed Jul 15, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for Golf Ball Through Windshield
Replies: 93
Views: 5795

Re: Liability for Golf Ball Through Windshield

Years ago I hit my drive into a windshield, did the same thing you did. Didn't even pursue insurance. Paid for the repair, moved on.

I am sure my golf game is worse than yours, but hats off to you for handling this as you did. Not everyone would.
by jpohio
Fri Jul 10, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: windows 10 file shredder
Replies: 13
Views: 843

windows 10 file shredder

Please provide suggestions for file shredding programs for Windows 10. I am looking for something that will "shred" sensitive files from my local hard drive.

Thanks
by jpohio
Wed Jul 08, 2020 7:27 am
Forum: Personal Finance (Not Investing)
Topic: How to sell my car in these times
Replies: 19
Views: 1246

Re: How to sell my car in these times

Consider selling to somebody like Carvana or Carmax. They come to your house with a check, you sign a couple documents, hand them the keys, they hand you a check. They can also electronically deposit funds if you prefer. I sold two cars to Carvana, very easy.
by jpohio
Tue Jul 07, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 70
Views: 4934

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

DW drove a Lexus 350 for 10+ years. We would likely have bought another Rx to replace it, but she hates the front grill. Now own a 2020 XC60. She drove a 2020 Rx 350 and the XC60, like the XC60 much better, but clearly that is an individual taste item. So far we really like the XC60, but have not ow...
by jpohio
Thu Jul 02, 2020 4:47 pm
Forum: Personal Investments
Topic: Vanguard balanced funds
Replies: 14
Views: 1686

Re: Vanguard balanced funds

You might consider Wellington, especially for an IRA
by jpohio
Sun Jun 07, 2020 7:52 am
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 3972

Re: Retirees: what is your AA?

I am 69, DW 68. Pension for me, both get SS. 25% - 30% equities, 60% - 65% fixed income, 10% cash. All index funds plus Wellington & Wellesley in out IRA’s

Sleeping well at night is high priority
by jpohio
Sun May 31, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal
Replies: 80
Views: 7842

Re: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal

We live in Ohio, are retired, and have owned a second home in Naples since 1999. We are not on the beach and do not rent the house out. I won't go over the points made by others, but will say from about mid-November to Easter the Sunday edition of the local paper has multiple ads from law firms, inv...
by jpohio
Sun May 10, 2020 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax help:1099-div box 11
Replies: 12
Views: 592

Re: Turbotax help:1099-div box 11

Vanguard issues a report every year showing the percent of income/assets by state for various tax exempt funds. You should find it under the tax center area on the VG website. For the obio tax ex fund, I believe all of it gets allocated to Ohio. For the intermediate tax ex fund, there is probably a ...
by jpohio
Wed Apr 29, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Safe Driving App
Replies: 45
Views: 3241

Re: State Farm Safe Driving App

We use the SF app on all our cars, and driving habits similar to yours. Easy to set up and use. Our discounts range from around 8% to about 20%. Some folks don’t want to use it because you are giving them a lot of info.
by jpohio
Thu Apr 16, 2020 8:35 pm
Forum: Personal Investments
Topic: VUSXX vs FDIC Bank Accounts
Replies: 29
Views: 2264

Re: VUSXX vs FDIC Bank Accounts

I believe VUSXX is now closed to new investors.

https://www.prnewswire.com/news-release ... 42326.html
by jpohio
Sun Apr 12, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6773

Re: What Amazon Prime (free) movies y'd recommend ?

Bosch, Goliath, Jack Ryan.
by jpohio
Wed Apr 08, 2020 10:00 am
Forum: Personal Investments
Topic: Wellington vs. 3 fund
Replies: 17
Views: 2605

Re: Wellington vs. 3 fund

You might want to run portfolio visualizer with three scenarios - 100% Wellington, 100% VBIAX (VG Balanced Index fund) and a combination of VTSAX, VBTLX and VTIAX (Total Stock index, Total Bond Index, Total Intl Stk Index). I ran it without any international, 65% VTSAX + 35% VBTLX, 100% VBIAX and 10...
by jpohio
Wed Apr 08, 2020 9:55 am
Forum: Personal Investments
Topic: Wash sale - two different accounts
Replies: 6
Views: 385

Wash sale - two different accounts

My son sold one fund in his brokerage account to TLH. He would like to buy the same fund in his Roth IRA. If he buys the fund in his Roth prior to 30 days from when he sold it in his brokerage account, is that considered a wash sale or doesn't it apply given he is buying the fund in a separate accou...
by jpohio
Thu Apr 02, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a New Car in Current Market Conditions
Replies: 17
Views: 1770

Re: Buying a New Car in Current Market Conditions

Most car dealers in our area are advertising that the entire process can be done without going to dealership. They will email the paperwork, deliver the car. I imagine if you know about what you want, and researched pricing, all negotiations could be done by phone or email.
by jpohio
Tue Mar 31, 2020 8:54 pm
Forum: Personal Investments
Topic: wire funds from VG account
Replies: 5
Views: 388

wire funds from VG account

I may need to wire some funds from one of my Vanguard accounts. Is this possible? I looked on the website, if that is an option, I cannot find it. For those who may have done this, can you just point me to where on the website to look?

Thanks
by jpohio
Mon Mar 16, 2020 9:16 pm
Forum: Personal Investments
Topic: Vanguard VMMXX to VUSXX
Replies: 4
Views: 394

Re: Vanguard VMMXX to VUSXX

If by last night you mean Sunday, won’t process until tonight.
by jpohio
Sun Feb 23, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-DIV [Help with tax return]
Replies: 5
Views: 675

Re: Vanguard 1099-DIV

On my VG 1099 DIV there is a section of the statement that lists the dividends for each fund/security, split by ordinary dividends, qualified dividends, etc. For me, I just took the total shown for Federal MMKT, multiplied by the % provided by VG, and entered the dollar amount in TurboTax - which as...
by jpohio
Mon Feb 03, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: Will, Trusts & Health Directive: DIY or Hire Lawyer?
Replies: 20
Views: 1131

Re: Will, Trusts & Health Directive: DIY or Hire Lawyer?

Hire an attorney. This is not something you want to get wrong.
by jpohio
Mon Jan 27, 2020 9:04 am
Forum: Investing - Theory, News & General
Topic: Your RMD Service confirmation is ready
Replies: 25
Views: 2050

Re: Your RMD Service confirmation is ready

My mother got two documents from VG. One is a letter indicating that she will have a RMD due in 2020, along with the 2020 calculation based on 12/31/19 balance. The other document is the terms and conditions for their RMD service. She is not enrolled in the service.
by jpohio
Thu Jan 23, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 6858

Subaru Outback engine stop/start

I test drove a 2020 Subaru Outback yesterday and was very impressed with the looks, ride, quality, and features/functions. When I stopped at a stop sign, the engine apparently shut off, and when I pressed the gas pedal the engine started up again. Sales person said that "feature" could be turned off...
by jpohio
Sat Jan 18, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17177

Re: Some possible luxury SUV choices to buy: Opinions?

OP, I am in very similar situation. DW is looking at replacing her 10+ year old Lexus. She hates the Lexus grill, so we are investigating others: Acura RDX, XC 60, Audi. We have a CRV as well,and she loves it, but I am unconvinced oil dilution problem is fixed. Drove a Mazda CX 5, a bit smaller and ...
by jpohio
Sat Jan 11, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: 2020 Lexus RX 350L Advice
Replies: 30
Views: 4921

Re: 2020 Lexus RX 350L Advice

DW has 2010 Rx450h. Great ride, very reliable. She likes driving a hybrid, with gas prices relatively low I am guessing I didn’t make up the premium paid for the hybrid. Agree on other comments on relatively expensive maintenance but over 10 years so far no problems with the car. We are in Ohio, 450...
by jpohio
Sun Jan 05, 2020 12:32 pm
Forum: Personal Investments
Topic: Tax treatment of TIra withdrawal vs Roth conversion
Replies: 3
Views: 335

Tax treatment of TIra withdrawal vs Roth conversion

I am considering doing my first Roth conversion and have a couple questions related to tax treatment. DW and I both have traditional IRAs at VG. My wife has a Roth, I do not. I believe whether I withdraw funds from a Traditional IRA and spend it or convert the same amount from traditional IRA to a R...
by jpohio
Mon Dec 16, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 14
Views: 1794

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Another vote for Lexus RX 450h. DW has a 2010, no issues in 10 years. New we models have all the safety stuff. Their Nav system is okay, not great. Will probably be hard to find one without the Nav
by jpohio
Tue Oct 29, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Drone for nephew
Replies: 2
Views: 531

Drone for nephew

I am looking for recommendations on a drone for my 9 year old nephew. He has no drone experience, and I would look to spend around $75 - $100 or so. He would use this drone with his parents, and I think ease of use, flight time, basic camera, return-to-home would be essential features, but I know ne...
by jpohio
Thu Oct 17, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Remembering a Beloved Family Pet
Replies: 14
Views: 1082

Re: Remembering a Beloved Family Pet

Sorry for your loss, been through that several times. I suspect your local animal shelter provides the ability to contribute money “in memory of”. Doesn’t lessen your sadness but does help another dog find a home
by jpohio
Mon Sep 23, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10657

Re: Physical activity suggestions for a non athletic youth

Investigate orienteering. Combines walking in the wood,learning to use map and compass. See if there is a local orienteering club, they have training events, and regular events about monthly during most of the year.
by jpohio
Sun Aug 25, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4850

Re: Medicare Part D Plan - Input Needed

DW and I both have had Silverscript for Medicare Part D for 4 years. Great service, I think they are rated 4 or 4.5 stars. I don't know if they are the cheapest, but we have never had issue with delivery/billing, etc.
by jpohio
Thu Aug 15, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 44
Views: 4024

Niece divorce and house

[Thread merged into here, see below. --admin LadyGeek] My niece is nearing the end of a divorce. She and her husband have a house (in his name only, and mortgage is in his name only) that she might want to keep as it is near the school that their child attends. I am posting this to confirm or corre...
by jpohio
Tue May 14, 2019 1:48 pm
Forum: Personal Investments
Topic: RMD timing question
Replies: 5
Views: 636

Re: RMD timing question

Thank you.
by jpohio
Tue May 14, 2019 1:42 pm
Forum: Personal Investments
Topic: RMD timing question
Replies: 5
Views: 636

RMD timing question

If I turn 70 in August 2019, thus reach 70.5 in February 2020, is my first RMD due in 2020 or 2021, the year after I turn 70.5? If I am understanding the IRS language correctly, the requirement is to take the RMD no later than April 1 of the year following the year I turn 70.5, which means the first...
by jpohio
Sat Feb 23, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Password protect Dropbox folder
Replies: 5
Views: 431

Re: Password protect Dropbox folder

Thank you for the replies. Created the guest account, worked exactly as I hoped.
by jpohio
Sat Feb 23, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Password protect Dropbox folder
Replies: 5
Views: 431

Password protect Dropbox folder

I have a Windows 10 PC I want family members to be able to use, but do not want them to access my Dropbox folder on that computer. My research so far has not found a way to do this, short of password protecting the entire PC or removing Dropbox from that computer. Password protecting the PC doesn't ...
by jpohio
Fri Feb 15, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2015
Views: 216157

Re: Personal favorite TV/cable series

Bosch
Goliath
Longmire
Inspector Lewis
by jpohio
Thu Feb 14, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Skype problems
Replies: 4
Views: 333

Skype problems

I am a long time Apple user on multiple platforms and have used facetime to communicate with my son numerous times without issue. He replaced his iPhone with an Android phone (Samsung) and I assumed Skype was the app we would now use instead of facetime. Downloaded the Skype app on my iPad, he has i...
by jpohio
Fri Feb 08, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1174
Views: 187521

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

From the Consumer Reports October 2018 article: "Honda says the repair—which will be free to owners—will include new software for the engine and transmission control units, an oil change, and in come cases, a replacement air-conditioning control unit. The company says engines in 2019 CR-Vs will be r...
by jpohio
Tue Jan 15, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 4864

Re: Any good reason to get a smartwatch?

I have a Garmin forerunner that I use to track lap pool swimming, but I got it as a gift years ago and if it broke I would not replace. I know how much I swim each day, don't need the Garmin. I am 67, have a couple friends that bought an Apple watch - after 6 months, both watches sit on a shelf. Bot...
by jpohio
Tue Dec 18, 2018 9:32 am
Forum: Personal Investments
Topic: TLH VTSAX to VFIAX - Wash sale?
Replies: 3
Views: 566

TLH VTSAX to VFIAX - Wash sale?

If I TLH Total Stock Market Index (VTSAX) to 500 Index (VFIAX) will IRS consider that a wash sale?
by jpohio
Wed Dec 05, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 3116

Re: Travel now & work a bit longer, OR the other way around?

Go now. We went to Galapagos this year and Katmai in 2015, glad we did them and wish we had gone sooner. I am 67, DW is 66. Both trips are amazing, you will not regret going now.
by jpohio
Thu Nov 29, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: $25k -18 days Galapagos & Machu Picchu Trek (family of 4).
Replies: 32
Views: 3608

Re: $25k -18 days Galapagos & Machu Picchu Trek (family of 4).

We visited Galapagos this past May on a Celebrity Cruise. The ship has 96 passengers, and offers an extension to Machu Picchu - you fly to Lima from Quito flying to Quito from Baltra (Galapagos airport). We did not extend to Machu Piccu, but about 25% of the folks on our cruise did. Based on what we...
by jpohio
Sun Oct 21, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: No power in half the house
Replies: 17
Views: 1840

Re: No power in half the house

Exact same thing happened to me. Had to have electrician replace one of two main breakers on outside of house.
by jpohio
Thu Sep 27, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 5443

Re: Ventilated car seats?

Have had ventilated seats on last 3 cars. Would never buy another car without them.
by jpohio
Thu Aug 16, 2018 4:05 pm
Forum: Personal Investments
Topic: Treasury Direct vs Vanguard for purchase
Replies: 7
Views: 1179

Treasury Direct vs Vanguard for purchase

I plan to invest in iBonds and 2, 3, and 5 year treasury notes. My intent is to buy them through the auction, not secondary market. I have purchased Ibonds before via Treasury Direct and understand that process. For the treasury notes, it appears I can purchase them either through Treasury Direct or...
by jpohio
Wed Aug 15, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2795

Re: Travel over thanksgiving holiday, drive or fly?

Send them a nice gift, stay home and avoid the trip, which, no matter how you go, has a high probability of significant delays and misery. Facetime or Skype the couple, wish them well, and enjoy Thanksgiving at home.
by jpohio
Tue Aug 14, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 4051

Re: Best consumer products - made in USA

Weathertech floor mats and other car accessories. Last forever
by jpohio
Sat Aug 11, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Planning a Florida Gulf Coast trip next February/March
Replies: 5
Views: 659

Re: Planning a Florida Gulf Coast trip next February/March

For the Estero down to Marco Island area, which includes Naples, if you want walking access to the beach you need to find a place west of US 41. I believe there are numerous condo/house rentals available in that area. One issue might be length of stay - most folks renting their condo/house in that a...