Search found 124 matches

by Jazzysoon
Thu Jul 30, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: "The Steak Dinner Annuity Pitch"
Replies: 114
Views: 12373

Re: "The Steak Dinner Annuity Pitch"

With Covid, I was wondering what the new approach would be for their marketing. But I just got my first Dinner invite since Covid started. (No I'm not going, but it is at a nice place).

Anyone else starting to get invites again? Kind of surprised as numbers are increasing in my area.
by Jazzysoon
Fri Jun 05, 2020 11:22 pm
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2649

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

Good microfiber cloths work well. Norwex is the cadillac brand sold through home parties at premium prices. E-Cloth is a good quality competitor. I'd recommend the 8 cloth E-cloth cleaning set which has a dusting cloth included. But I'd spring for a Norwex dusting mitt on ebay, it actually makes du...
by Jazzysoon
Tue Apr 21, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3752

Re: Coffee Experts - Help with an online coffee order

re: 4. I may try a flavored coffee for cold brew. Something like coconut. Ideally I'd like the flavor to come from the actual ingredients and not a syrup but won't be too picky. : I'm not a huge fan of flavored coffee beans or syrups (usually sugar water), here's a recipe for coconut cold press mixi...
by Jazzysoon
Tue Apr 14, 2020 11:45 pm
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 84
Views: 6453

Re: Best Way to Watch British Mystery Shows

I'd recommend Acorn TV, it's only about $5/month or ~$50/yr (I pay annually). Lots of great British, Irish & Australian shows. Never really had watched much Australian TV before, but there are some great Mystery shows there also. Only dangerous/downside is that British/Australian shows sometimes ten...
by Jazzysoon
Sun Mar 29, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Pros/Cons on Retiring to Florida Gulf Coast & Recommended Areas Input Please
Replies: 33
Views: 3677

Re: Pros/Cons on Retiring to Florida Gulf Coast & Recommended Areas Input Please

I've been going to Venice area last few winters and have had similar thoughts about staying longer/making it permanent. When it gets to mid 80's and constant sun in early March, makes it hard to do physical activities late morning to late afternoon. I can't imagine what the summers are like and have...
by Jazzysoon
Tue Mar 17, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury extends [tax payment date 90 days, filing deadline still April 15]
Replies: 80
Views: 3057

Re: Income tax payment deadline extended to July 15

I saw this and was looking for info on other related dates as I need to do an IRA to keep AGI/MAGI where I need and need to do taxes to determine amounts. There were a lot of articles that said only payment delayed but they were the first articles out, I found this article which was the latest one: ...
by Jazzysoon
Thu Mar 12, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12683

Re: Are you still going to the gym ...

It's down at my gym, don't need to park in overflow lots anymore. I recently started playing Pickleball and I need my daily fix, so will continue to go. It's funny though one coach won't touch paddle handles at end of game because people's hands sweat, yet we play with one ball that is constantly pa...
by Jazzysoon
Mon Feb 10, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead's Edward Jones Question
Replies: 46
Views: 4548

Re: A Boglehead's Edward Jones Question

While 1% fee for AUM is sort of a general guideline, it's can vary significantly depending on what the total portfolio that is under management. If its less than 500k most firms charge more. EJ should be able to provide fees/portfolio size.
by Jazzysoon
Mon Jan 27, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Pickleball Shoes / tennis shoes
Replies: 22
Views: 1629

Re: Pickleball Shoes / tennis shoes

I've been playing only for a few months, but also am looking for a shoe. I'm using my running shoes which don't have much lateral support. I also have a bit of plantar fasciitis on occasion. I saw these and am going to try them on later today. https://www.midwestsports.com/k-swiss-express-light-wome...
by Jazzysoon
Sun Jan 26, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Medical Evacuation Insurance
Replies: 41
Views: 2637

Re: Medical Evacuation Insurance

A couple in my bike group were injured day 1 of a bike tour in Italy. It wasn't their fault. Years later they were still trying to deal with Ins companies and being repaid, and the $25,000 air flight to get him back home was on them. Ever since then I've gotten sep policy when I travel usually less ...
by Jazzysoon
Fri Jan 24, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing SS application after FRA (update and new questions)
Replies: 9
Views: 665

Re: Withdrawing SS application after FRA (update and new questions)

I'd expect more of the same kind of ordeal. In fall of 2018 with supposedly plenty of time to have it all happen during same tax year, I submitted my withdrawal inperson at local office. My amount to repay was clear, and I tried multiple times in person and over phone to get it paid by 12/31, but wi...
by Jazzysoon
Tue Jan 07, 2020 12:09 pm
Forum: Personal Investments
Topic: just completed my first year of retirement! so far so good
Replies: 37
Views: 6264

Re: just completed my first year of retirement! so far so good

@ Jazzysoon After you turn 65 and are on Medicare, what is your plan for your wife's heath insurance until she qualifies for Medicare? You may still need to manage your AGI/MAGI if you want to continue with ACA for her. That is a big question that I haven't really thought about yet. That is frighte...
by Jazzysoon
Mon Jan 06, 2020 9:12 am
Forum: Personal Investments
Topic: just completed my first year of retirement! so far so good
Replies: 37
Views: 6264

Re: just completed my first year of retirement! so far so good

After you turn 65 and are on Medicare, what is your plan for your wife's heath insurance until she qualifies for Medicare? You may still need to manage your AGI/MAGI if you want to continue with ACA for her.
by Jazzysoon
Wed Dec 25, 2019 11:41 pm
Forum: Personal Investments
Topic: Age 62 - just lost job - seeking advice
Replies: 110
Views: 12208

Re: Age 62 - just lost job - seeking advice

If you think you/your wife will start working again, you might consider reversing your SS decision(has to be within 12months). You only get 1 'undo', but with collecting SS it impacts how much can potentially be subject to tax and adds to your AGI for the ACA. And of course delaying increases the mo...
by Jazzysoon
Wed Dec 25, 2019 9:50 am
Forum: Investing - Theory, News & General
Topic: Disentangle from a "fixed indexed annuity" (equity indexed annuity)?
Replies: 18
Views: 1080

Re: Disentangle from a "fixed indexed annuity" (equity indexed annuity)?

I had this exact product before I knew better. Had income and LTC rider so fees really bad and cap about 3%. Planner had that chunk of money growing at 8% on his projections. Once I realized what it and fees were, I pulled out during the surrender period. Call Allianz due to what I thought was signi...
by Jazzysoon
Fri Dec 20, 2019 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 72
Views: 9100

Re: Vanguard vs. Fidelity??

I have both, but have always found Fidelity transfers money much faster. Today was even faster, requested transfer this afternoon (thinking I'd see it early next week), already hit my bank tonight!! Points to Fidelity!
by Jazzysoon
Sat Oct 12, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 11015

Re: Do you carry your passport with you during international travel?

I stay more in B&B's than hotels, and always carry both my passports, a small wallet, and room key with me in a small very thin Baggallini cross body bag that is under my jacket/top. Nothing in pockets or outwardly visible.
by Jazzysoon
Mon Oct 07, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 7
Views: 1474

Re: Social Security

To clarify it's not 8% from age 62 > FRA. Varies each year and not always 8%, ranges from6.x to 8.x

http://www.socialsecuritychoices.com/blog/?p=563
by Jazzysoon
Tue Oct 01, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 353
Views: 22905

Re: Caution Alert - Verizon Wireless

Thanks for posting this. It's a Reminder to always be diligent, I just received a txt on my Verizon Samsung Android phone with 2FA code for my Apple ID I supposedly requested along with phone number to call to enter it. I'm not even going to try to dial the number.
by Jazzysoon
Tue Sep 17, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: Volunteer opportunities for a traveler?
Replies: 3
Views: 458

Re: Volunteer opportunities for a traveler?

Special Olympics is always in need of 'day of' volunteers for their games/events during the year. They have County/Area/State Games for the sports offered. Easy to sign up and drop in to help for 3-4hr shift. They always offer training at beginning of your shift, for example I was Scorer this past w...
by Jazzysoon
Fri Sep 13, 2019 12:48 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 32
Views: 3110

Re: Best Triathlon Bike?

Orbea makes very nice bikes, if you are with a local tri/fitness clubs sometimes you can get discounts at local bike shop. At some price point most bikes are the same, what will make the most difference is getting a professional bike fit so your body is matched to get the most performance out of the...
by Jazzysoon
Thu Sep 05, 2019 10:58 pm
Forum: Investing - Theory, News & General
Topic: "The Callan Periodic Table of Investment Returns"
Replies: 33
Views: 3869

Re: "The Callan Periodic Table of Investment Returns"

Taylor, Thanks for posting the updated table. The way the data is shown in this graphic is SO Impactful. Makes it is hard to argue against a 3 fund portfolio (for someone trying to sell you managed funds with AUM model, because they know have a 'secret sauce' worth the AUM fee).
by Jazzysoon
Fri Aug 23, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1856

Re: Best time to purchase airline tickets to London

You might also want to factor in UK School Holidays. When they are on Summer Holiday it's prime time for families to travel, so Crowded, long lines.

https://www.schoolholidayseurope.eu/sch ... s-2020-uk/.
by Jazzysoon
Tue Aug 13, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2432

Re: October in Minnesota

+1 for the North Shore along Lake Superior, especially if you can hit the Fall Colours. Also, Stillwater, one of MN oldest towns rich with logging history is just 30min from St Paul/Mpls along beautiful St Croix River. Hudson is also a nice river town. If you have an afternoon for a drive, head sout...
by Jazzysoon
Tue Aug 13, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: "Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be"
Replies: 40
Views: 4404

Re: "Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be"

I know it's inevitable but I hope Christine Never retires. Her Messaging is so succinct and always resonates with me.

Taylor - Thanks for posting this.
by Jazzysoon
Wed Jul 31, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3875

Re: Personal Trainer for Physical Balance

I agree with the suggestions of yoga. If you are close to a YMCA they have Many classes geared towards those above 50... And they also have Personal Trainers that specialize in issues facing older population, quality of trainers varies by location. IF you do have a Y and started attending some free ...
by Jazzysoon
Mon Jul 22, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 3498

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

You don't mention how much business your customers will do outside, if it's just walk from car to building and go inside may not bother them too much, but if you have product outside and they are looking at it, I would be bothered as the barking sometimes makes conversations more difficult. Also, if...
by Jazzysoon
Thu Jul 18, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: SERIOUS MONEY book is 20 years old this month
Replies: 13
Views: 2010

Re: SERIOUS MONEY book is 20 years old this month

Rick - Thanks for making this available & at a price to please most Bogleheads!
by Jazzysoon
Thu Jul 18, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Ameriprise Insurance selling to American Family Insurance - thoughts?
Replies: 3
Views: 446

Re: Ameriprise Insurance selling to American Family Insurance - thoughts?

I switched to American Family a number of years ago. They have a large presence where I live in Midwest. Rates seem comparable, office staff has always been very responsive. With my bundled Home/Auto policies, when I looked to add Umbrella ins, rate was great. I've also added extra ins ($25/yr) to c...
by Jazzysoon
Sun Jul 07, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Lightning strikes sailboat
Replies: 11
Views: 2181

Re: Lightening strikes sailboat

From https://www.boatingmag.com/gear/how-to-prepare-lightning-strikes/ There is no absolute protection against lightning aboard a boat. But there are steps you can take to avoid or minimize damage. The most likely targets are antennas, fishing rods, towers, T-tops or any elevated electrically conduc...
by Jazzysoon
Wed Jun 19, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 2229

Re: Recommend toaster

I have a Waring 2 Slice toaster and it works Great! Bought it from local department store with nicer kitchen brands, had it for a few years now, works great-never an issue, defrost & bagel are nice options, (bagel setting also works if you want to toast some buns) http://www.waringpro.com/catalog.ph...
by Jazzysoon
Sat Jun 15, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 5429

Re: Radon levels in home

You don't mention where you live or time of year of test. For example in the upper Midwest a test in winter on upper levels when windows are closed and not much outside airflow will be higher than spring/summer/fall with windows open. My county has test kits, if I were you I'd close up the house and...
by Jazzysoon
Sat Jun 15, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching a 4 Year old donating with quarters
Replies: 13
Views: 1348

Re: Teaching a 4 Year old donating with quarters

I think its very admirable you starting to install values of compassion at an early age to your 4yr old. What about setting aside quarters and going shopping towards Christmas time (if that works with your faith) and letting them pick out a donation to Toys for Tots? You should be able to do that an...
by Jazzysoon
Wed May 29, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 18928

Re: Fun paid jobs after FIRE

I got a seasonal part time job at National Home Improvement chain with a great rep for quality in Garden Center. I have shopped there for years so sensed the culture and saw that people of similar age hired. I'm in my 2nd week and I LOVE it. I get to walk around and help people make their lawns/gard...
by Jazzysoon
Tue May 21, 2019 2:57 pm
Forum: Personal Investments
Topic: Moving an HSA from Optum to Vanguard
Replies: 11
Views: 872

Re: Moving an HSA from Optum to Vanguard

I moved my HSA from Optum Bank to Fidelity in Jan 2019. I created an account at Fidelity and they pulled the account over. I could not transfer in kind, S&P Index fund I had my HSA in at Optum had to be sold, and at least in Jan, Optum only would send paper check so out of market for 10+ days (of c...
by Jazzysoon
Tue May 21, 2019 10:08 am
Forum: Personal Investments
Topic: Moving an HSA from Optum to Vanguard
Replies: 11
Views: 872

Re: Moving an HSA from Optum to Vanguard

I moved my HSA from Optum Bank to Fidelity in Jan 2019. I created an account at Fidelity and they pulled the account over. I could not transfer in kind, S&P Index fund I had my HSA in at Optum had to be sold, and at least in Jan, Optum only would send paper check so out of market for 10+ days (of co...
by Jazzysoon
Thu May 16, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6971

Re: Which car has the best or most comfortable cabin under 35K

You don't say if your longer commute is due to congestion or longer miles, but I'd also consider a high mileage car a requirement. I'd look at a pre-owned Volvo - Famous for their comfortable seats, and high mileage. I just did 1629 miles in 2 days and was happy to be sitting for that long in my Vol...
by Jazzysoon
Tue May 14, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4768

Re: Instant Coffee?

I've had Nescafe single Serve packets in Ireland and UK and it was pretty good . https://www.nestleprofessional.us/tasters-choice/nescafe-tasters-choice-house-blend-single-serve-packets-80-ct-x-17-g I have a nice coffee maker at home and use Peets coffee, but if I want a super quick 1 cup later on i...
by Jazzysoon
Wed May 08, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 266
Views: 17908

Re: How do YOU make coffee?

Lot of replies to cleaning the French Press question I asked. Thank you. Well, my answer is I have no idea if grinds are bad for the plumbing and/or septic systems. I am on a septic so typically exercise much caution with anything that goes down the drain. Perhaps it doesn't matter and I am making ...
by Jazzysoon
Thu May 02, 2019 9:24 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 39
Views: 3227

Re: Should I go to a Fidelity Office to Set up Account?

I'd go into local office, that will give you a good sense of how it's run. I have accounts at both Vanguard and Fidelity. I like that I can go to local Fidelity office to do some things like a Medallion signature that I needed and also just recently while being a snowbird I dropped in local Fl offic...
by Jazzysoon
Sat Apr 27, 2019 1:34 pm
Forum: Investing - Theory, News & General
Topic: A good retirement
Replies: 4
Views: 1964

Re: A good retirement

Thanks for posting. I just listened to it, good discussion.
by Jazzysoon
Wed Apr 24, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 4258

Re: Teeth Whitening

I found the at home trays cumbersome and am using this toothpaste. It had great reviews and I do think it makes a difference. https://www.ulta.com/activated-charcoal-whitening-toothpaste?productId=pimprod2003910&sku=2542825&CPMID=CSBING&CAWELAID=330000200001720163&catargetid=330000200000867179&CADEV...
by Jazzysoon
Thu Apr 18, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky
Replies: 16
Views: 3184

Re: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky

Bob,
Thanks for posting this, I did attend this morning. It's an interesting challenge and I found it very informative. I wonder if the new acronym GLIP will catch on :happy - I think the speaker made it up on the fly.
GLIP=Guaranteed Life Income Program.
by Jazzysoon
Tue Apr 09, 2019 1:02 pm
Forum: Personal Investments
Topic: Need to hire a financial advisor
Replies: 12
Views: 1706

Re: Need to hire a financial advisor

Does your mother want the convenience of a local office either to meet face to face, at least initially to build trust or to drop things off in person? I like that Fidelity has local offices and yesterday just dropped my 2018 HSA check at the local office. Last year I needed Medallion signature and ...
by Jazzysoon
Fri Apr 05, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Approx. cost of 2 new garage doors?
Replies: 14
Views: 1530

Re: Approx. cost of 2 new garage doors?

If you are planning on being in the house for awhile, buy the doors you fell in love with. Especially if your garage door is prominent in the front of the house. If you try to save a thousand or so, you'll regret it every time you drive up the driveway. And yes to the larger windows, if you do any w...
by Jazzysoon
Sat Mar 30, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Anyone looking to retire in FL?
Replies: 18
Views: 2651

Re: Anyone looking to retire in FL?

Like everything there are always pro's and con's and you need to decide what you can live with. I'm in South Sarasota for the first time renting to avoid Midwest winter. Weather is great, lots to do, beaches are not far away. But it's Snowbird season and very crowded, high rents and Traffic is horri...
by Jazzysoon
Wed Mar 27, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Withdrawal Request/SSA-1099 Question
Replies: 10
Views: 1010

Re: Social Security Withdrawal Request/SSA-1099 Question

CountingDown2014 - You are right, we did get different letters, weird that it should be different for different people with same situation. Seems like you should be fine with keeping it all in 2018 with an explanation like you say to IRS. Good Luck.
by Jazzysoon
Wed Mar 27, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Withdrawal Request/SSA-1099 Question
Replies: 10
Views: 1010

Re: Social Security Withdrawal Request/SSA-1099 Question

OP - I received the same 2 letters as your spouse. I was told that my first letter in Nov timeframe was a confirmation they received my request and a Re-REMINDER I had to pay it back if approved. My formal approval was not receive til next calendar year in March. For me they would not take a check f...
by Jazzysoon
Wed Mar 27, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Withdrawal Request/SSA-1099 Question
Replies: 10
Views: 1010

Re: Social Security Withdrawal Request/SSA-1099 Question

OP - My timing was somewhat similar to yours and I filed my Withdrawal request in person at SS office. I was told 45 days for approval which in my case they said would pretty much be guaranteed. I didn't want it to cross tax years. In December with no final approval letter yet, twice I went to local...