Search found 726 matches

by JohnFiscal
Fri Nov 15, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Vanguard CSV files for account transactions ?
Replies: 12
Views: 847

Re: Vanguard CSV files for account transactions ?

wow! Thank you Kevin. This is great. Now I know what to expect. Maybe I won't even be discouraged having to re-program this stuff again. FWIW, this programming, on which I've spent untold hours, has saved me at least as many untold hours entering transactions into my own ledgers kept in Excel. As w...
by JohnFiscal
Fri Nov 15, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Vanguard CSV files for account transactions ?
Replies: 12
Views: 847

Re: Vanguard CSV files for account transactions ?

Vanguard sent me a very informative reply to my inquiry. CSV downloads still available (as reported by others) and there are some slight differences in formatting of the fields. So any custom programming to extract data from the new files will have to be modified. Probably not too bad. From Vanguard...
by JohnFiscal
Fri Nov 15, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 80
Views: 6920

Re: What tools do you use to track your finances?

still using a basic excel spreadsheet... +1 +1 although mine aren't so basic. I also keep track of finances for several family members. I do this in Excel but export to Google Sheets for reporting/sharing, and also to provide some budgeting sheets for them. This applies to some elderly parents-in-l...
by JohnFiscal
Thu Nov 14, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Vanguard CSV files for account transactions ?
Replies: 12
Views: 847

Re: Vanguard CSV files for account transactions ?

wow! Thank you Kevin. This is great. Now I know what to expect. Maybe I won't even be discouraged having to re-program this stuff again. FWIW, this programming, on which I've spent untold hours, has saved me at least as many untold hours entering transactions into my own ledgers kept in Excel. As we...
by JohnFiscal
Thu Nov 14, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Vanguard CSV files for account transactions ?
Replies: 12
Views: 847

Re: Vanguard CSV files for account transactions ?

Silk McCue wrote:
Thu Nov 14, 2019 11:59 am
I just logged into VG to check for you as I am on the Brokerage account. Yes, as expected, an option to download a CSV file is available along with Quicken and Microsoft Money.

Cheers
Thank you. Much obliged!

I’ve asked Vanguard if the format is the same.
by JohnFiscal
Thu Nov 14, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Vanguard CSV files for account transactions ?
Replies: 12
Views: 847

Vanguard CSV files for account transactions ?

With Vanguard transitioning to the "new" "brokerage" account system I am wondering how this will affect my custom spreadsheet programming. I download the account values and transactions using the CSV file format from the Vanguard site. I then have some custom programming to extract data and enter in...
by JohnFiscal
Thu Oct 17, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10441

Re: What percent of net worth should a persons house be?

masonstone wrote:
Thu Oct 17, 2019 5:37 am
What percent of net worth should a persons house be?
There was a similar thread recently "Net-worth rule of thumb for house purchase?"

viewtopic.php?f=2&t=288193&p=4698420#p4698420
by JohnFiscal
Sun Oct 13, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Who has or Plans to Sign up for an IRS IP PIN
Replies: 14
Views: 1619

Re: Who has or Plans to Sign up for an IRS IP PIN

Not certain if this is the same as the IRS account that I registered for a few years ago. In any case, I tried to log into my IRS account on Friday and it wouldn't let me in as too much time had elapsed and I had to re-recognize myself. I went through their questions which are the common ones about ...
by JohnFiscal
Fri Oct 11, 2019 11:38 am
Forum: Personal Investments
Topic: Roth conversion
Replies: 10
Views: 1052

Re: Roth conversion

Yes, that's a strategy that I am investigating at this very moment (with the ORP program and my own Excel spreadsheet). I am 67 and planning for my first Roth conversion very soon. I suggest trying the free ORP software (www.i-orp.com), admittedly there is a learning curve to this. But it may recomm...
by JohnFiscal
Wed Oct 09, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: tax "training" using TurboTax CD ?
Replies: 12
Views: 1059

Re: tax "training" using TurboTax CD ?

Thanks for all the tips. I'll look around for a good price on a legitimate CD. I do have my own income tax Excel spreadsheet that I've used for 20+ years for annual budget planning purposes and verifying W2s. Retired now but it is still useful. But I have in mind several tax issues that may come up ...
by JohnFiscal
Tue Oct 08, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: checking Amazon Store Card billings
Replies: 10
Views: 960

Re: checking Amazon Store Card billings

Just got this for my wife a couple days ago: Chase Amazon Visa card. We've not received any documentation yet (other than confirmation email and the $70 Amazon credit), not even the card number or account number. Am I correct in assuming that all the charges and statements, etc, are going to show up...
by JohnFiscal
Tue Oct 08, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: tax "training" using TurboTax CD ?
Replies: 12
Views: 1059

tax "training" using TurboTax CD ?

I'm interested in exploring different tactics for my Federal income tax over the next several years. I'm used to using various software for engineering calculation/design purposes from my working career. It occurs to me that I ought to be able to use TurboTax the same way, to investigate various "de...
by JohnFiscal
Sat Sep 28, 2019 10:55 am
Forum: Non-US Investing
Topic: headaches for US owner of Canadian family rental property?
Replies: 12
Views: 1055

Re: headaches for US owner of Canadian family rental property?

Is your spouse also a US citizen? Spouse has both US and Canadian citizenship. I didn’t follow through with it, but from what I recall you have to pay an as-you-go 25% withholding tax (on the gross rent) to CRA. Sorry I can’t tell you more Thank you Eddy. Yes, that is so with the 25% withholding, s...
by JohnFiscal
Fri Sep 27, 2019 11:31 pm
Forum: Non-US Investing
Topic: headaches for US owner of Canadian family rental property?
Replies: 12
Views: 1055

Re: headaches for US owner of Canadian family rental property?

EddyB wrote:
Fri Sep 27, 2019 11:13 pm
Is your spouse also a US citizen?
Spouse has both US and Canadian citizenship.
by JohnFiscal
Fri Sep 27, 2019 10:59 pm
Forum: Non-US Investing
Topic: headaches for US owner of Canadian family rental property?
Replies: 12
Views: 1055

Re: headaches for US owner of Canadian family rental property?

If you don't want advice on the merits of the whole scheme and are just seeking the tax implications, why not go see a tax accountant and talk to them instead of soliciting tax advice here. How many people can respond to you on BH who have that narrow scope of knowledge? It always amazes me that so...
by JohnFiscal
Fri Sep 27, 2019 10:48 pm
Forum: Non-US Investing
Topic: headaches for US owner of Canadian family rental property?
Replies: 12
Views: 1055

Re: headaches for US owner of Canadian family rental property?

https://www.financialwisdomforum.org/forum/ (that link is on this Forum as a board). You are more likely to find someone who knows the issues there, than here, I would guess. Thanks. I have used that forum a number of times, and I know there are other Bogleheads who belong to both forums. I have ev...
by JohnFiscal
Thu Sep 26, 2019 1:26 pm
Forum: Non-US Investing
Topic: headaches for US owner of Canadian family rental property?
Replies: 12
Views: 1055

Re: headaches for US owner of Canadian family rental property?

This sounds like a terrible idea. You really want to be a landlord to family, with said rental property in a different country? Do you really feel a need to add more stress to your life? Good luck. -TheDDC It may not be a great idea for some considerations. But there are other considerations in lif...
by JohnFiscal
Thu Sep 26, 2019 1:00 pm
Forum: Non-US Investing
Topic: headaches for US owner of Canadian family rental property?
Replies: 12
Views: 1055

headaches for US owner of Canadian family rental property?

ahoy! Situation: I live in the US (citizen). Wife and I are considering purchasing a property in Canada for the benefit of some of her family members for which they will pay rent (with or without a formal lease). This is not a profit-making venture but I do not want to be subsidizing their housing e...
by JohnFiscal
Sat Sep 21, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: CMS direct debit hit twice [Medicare]
Replies: 47
Views: 3508

Re: CMS direct debit hit twice

Yes, me too. Based on your post I just checked, mine is drawn on the 20th.
by JohnFiscal
Mon Sep 16, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand I-orp results
Replies: 35
Views: 1703

Re: Please help me understand I-orp results

I don't know why ORP users complain about high taxes for Roth conversions or other reasons. The relevant critical number reported by ORP is the disposable income...the higher, the better. Maximizing disposable income may come at the cost of high income tax in some years...but the amount of tax is ir...
by JohnFiscal
Sun Sep 15, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand I-orp results
Replies: 35
Views: 1703

Re: Please help me understand I-orp results

... It is not. The author is an octogenarian and that change isn't likely going to happen, the best you can do is Monte Carlo. He recommends running it yearly once in retirement to get updated results for the next year. I do not look forward to the day when we no longer have James with us to handle...
by JohnFiscal
Sun Sep 15, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Improving Lighting in a Dimly Lit Condo
Replies: 26
Views: 1725

Re: Improving Lighting in a Dimly Lit Condo

do you have any aesthetically pleasing track lighting suggestions? Are there certain styles of lamps that are effective at filling the room with light? what is your favorite LED light color temperature for various rooms (daylight 5000k, cool white 4100k, soft white 2700k)? We have a lot of 'can' li...
by JohnFiscal
Sun Sep 15, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand I-orp results
Replies: 35
Views: 1703

Re: Please help me understand I-orp results

[So I-Orp is advocating a sub 3% withdrawal rate. That is ridiculously low in my opinion and I am sure most on this forum would agree. (I realize there are a few very conservative folks here who believe sub 3% withdraws are prudent.) i-ORP is not advocating any particular withdrawal rate. In fact, ...
by JohnFiscal
Sun Sep 15, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand I-orp results
Replies: 35
Views: 1703

Re: Please help me understand I-orp results

The program shows you inflated dollars. $69k today equals $184k at 70 due to inflation. Same purchasing power. OP, The reports (at least for the "Extended" input sheet) show both "nominal" and "real" values. Nominal being at the inflated dollars for the particular year, and real being current dolla...
by JohnFiscal
Wed Sep 11, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: using Apple iWatch with non-Apple iPhone
Replies: 4
Views: 436

Re: using Apple iWatch with non-Apple iPhone

my wife got a 'deal' on a iWatch 2 years ago. She thought it would be useful alone and would pair with her Android phone. I ended up buying her an iPhone (lot of dough) just so that she could use the Apple watch. The watch came in very helpful last December on a long flight. It alerted her to her ra...
by JohnFiscal
Mon Sep 02, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1650

Re: new laptop - Windows S Mode??

I use NordVPN (when needed) on Windows 10 Pro laptop. Like it.

I read about S mode in another forum which pointed to Microsoft’s FAQ:
https://support.microsoft.com/en-us/hel ... in-s-mode-

Edit...yeah, the faq says switching out is permanent
by JohnFiscal
Sat Aug 31, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5258

Re: Cash & Checkbook Register Reconciliation

I am possibly one of the very few who actually does maintain a check account ledger (and for other accounts as well). Sure, i can log in at any time and see what transactions have cleared. But that is not how I use my ledger. I don't really care about the instantaneous account balance. I use an Exce...
by JohnFiscal
Fri Aug 30, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Home Insurance Offsets Tax Advantage?
Replies: 28
Views: 2266

Re: Florida Home Insurance Offsets Tax Advantage?

Sarasota here. 2550 sf home, built 1998, worth about $450k.

Insurance is about $1400 per year. Flood insurance about $450. Not directly in flood zone.

HOA is modest, $800. Prop taxes about $3300.

Edit.. now that I'm retired I want to move away from here for a potpourri of reasons
by JohnFiscal
Fri Aug 30, 2019 11:49 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 44410

Re: How Bad was 2008, really?

Like the REM song "it's the end of the world as we know it" It was pretty bad. Pretty Awful. Certainly some people came through very well! (I did, as I just hung on and fortunately my work and income was untouched). But entire businesses and maybe industries were devastated. Peoples' lives impacted,...
by JohnFiscal
Fri Aug 30, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: i-ORP: rates of return and inflation ?
Replies: 3
Views: 248

Re: i-ORP: rates of return and inflation ?

We end up with more or less a "chart" of what covers our view of the most likely scenarios from the low end to the high end. We find it very helpful to view that range and then check the situation in more details with both RPM and then tax software for specific years. smitcat, Thank you for the tip...
by JohnFiscal
Fri Aug 30, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: i-ORP: rates of return and inflation ?
Replies: 3
Views: 248

i-ORP: rates of return and inflation ?

I am using ORP (i-orp.com) to study my disposable income during retirement. I'd appreciate some comments on appropriate values to use for some of the inputs. Hopefully from people experienced with ORP. I am disappointed to see my current projections being so low, lower than I remembered them being. ...
by JohnFiscal
Fri Aug 30, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Educating Spouse on Personal Finance
Replies: 60
Views: 3865

Re: Educating Spouse on Personal Finance

I had a first go last night that was very successful. I hid the spreadsheets but did do a formal powerpoint, lol. Last night's topic was income, deductions, and order of investments. Next I plan on reviewing all our investment/bank accounts. Last, will be the big one - budget. There will be a lot o...
by JohnFiscal
Fri Aug 30, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Social Security age 70 or bust?
Replies: 81
Views: 5008

Re: Social Security age 70 or bust?

(I do often wonder how many Bogleheads who advocate waiting until 70, are actually at FRA or older.) Here is one (me) that is 67+ and beyond FRA. I plan to hold off until 70. But I do "feel the pain" of the drain on non-qualified accounts. My BIL took SS at 68. He figured he'd split the difference,...
by JohnFiscal
Thu Aug 29, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Social Security age 70 or bust?
Replies: 81
Views: 5008

Re: Social Security age 70 or bust?

I have investigated this scenario on my own with my Excel models and found that my "early death" was a more critical case for my spouse/widow than my "living too long and using up all the dough". I bought an additional 10 year term life policy as a consequence of this exercise.) Interesting. This w...
by JohnFiscal
Thu Aug 29, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Social Security age 70 or bust?
Replies: 81
Views: 5008

Re: Social Security age 70 or bust?

OTOH, I feel your pain... the loss of actual cash assets paid out while waiting to collect SS. Based on my own experience that (in my case) there is little difference in "income" annually regardless of when I take SS you might consider how worthwhile is it to leave your survivor a potentially larger...
by JohnFiscal
Thu Aug 29, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Social Security age 70 or bust?
Replies: 81
Views: 5008

Re: Social Security age 70 or bust?

smitcat took the words out of my mouth before I could reply. I've used the MMSS software in the past (even reporting a bug for case of more than 10 years difference in spouses' ages) and I find Kotlikoff (program author) a font of information on social security. And at one time I was interested in "...
by JohnFiscal
Sun Aug 25, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit limit increase in retirement?
Replies: 18
Views: 1676

Re: Credit limit increase in retirement?

I am in a similar situation as the OP and have similar concerns. At the moment (for the past 5 years or so) my "primary" credit card has been an Amex Delta Platinum card. Due to conditions we were flying Delta a lot, and internationally to boot. Those Skymiles (sky pesos) added up. Especially as I s...
by JohnFiscal
Sun Aug 18, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: New laptop advice
Replies: 39
Views: 2523

Re: New laptop advice

Sounds good to me. I have a Thinkpad T460. I loaded up the ram (20 GB?), got the i5 processor instead of the i7 due to some articles I read indicating little benefit and some drawbacks to the higher processor for my purposes . I stayed away from the touchscreen as those seem to have less overall cla...
by JohnFiscal
Wed Aug 14, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Net-worth rule of thumb for house purchase?
Replies: 123
Views: 6494

Re: Net-worth rule of thumb for house purchase?

For what it's worth, I had the same question recently...being as I am now retired and do not expect any more "salary income" in order to plug into one of the handy rules of thumb. In my case, I was contemplating what % of my current net worth is it advisable to (potentially) spend on a new home, in ...
by JohnFiscal
Fri Aug 02, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 29248

Re: Social Security -- Take it at 62, 67 or 70

Maybe this has been covered. But I found our optimal ages varied as the option to reduce SS benefits with the upcoming potential shortfall. Depending on your age, apply this option or not. I find it funny that when people are talking about claiming SS benefits, they portray their remaining life expe...
by JohnFiscal
Sun Jul 14, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Gold Coin for fun, not for investment or numismatics [Canadian Maple Leaf]
Replies: 31
Views: 2894

Gold Coin for fun, not for investment or numismatics [Canadian Maple Leaf]

My wife retains her Canadian citizenship (and has had US citizenship for a long time) and I would like to get her a gold Maple Leaf coin (likely 1 oz) produced by the Canadian Mint (the government mint). I don't care about preserving its value as "untouched by human hands", or a special commemorativ...
by JohnFiscal
Tue Jul 09, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment-Part B only
Replies: 15
Views: 1771

Re: Medicare enrollment-Part B only

Info,. Affirmative on all counts. No problems. Delaying SS for several more years.

InfoMaven wrote:
Sun Jul 07, 2019 5:56 pm
JohnFiscal:

I presume you are now happily retired?

Did ALL go well with all the forms the SS Lady sent you and you were approved with NO hassles?
by JohnFiscal
Sat Jun 15, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4578

Re: My Bad Experience With Angie's List

Now if cashier calls me an idiot and I get a hamburger with a bite already taken out of it, then I will post a bad review. This actually happened to me once. The Saturday morning that I had a migraine and feeling ill. McD was a madhouse. I ordered my Quarter Pounder and eventually get it, then sit ...
by JohnFiscal
Wed Jun 12, 2019 7:51 pm
Forum: Personal Investments
Topic: VG website gone wonky?
Replies: 9
Views: 1308

Re: VG website gone wonky?

just checked. Looked same old to me. Using Chrome browser in Windows 10.

trying rebooting. That failing, clear your browser cache.
by JohnFiscal
Mon May 20, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: Lies, Damned Lies, And Index Funds
Replies: 43
Views: 6114

Re: Lies, Damned Lies, And Index Funds

Just read the article, then came here to see if there were any posts. Great article!
by JohnFiscal
Thu May 16, 2019 1:58 pm
Forum: Personal Investments
Topic: Vanguard information security
Replies: 18
Views: 1498

Re: Vanguard information security

I also use Yubikeys. Regarding SMS for Vanguard. I wonder if the remedy might simply be to provide them with a phone number that is (normally) incapable of texting. eg: a landline: POTS ("plain old telephone service"). Yes, I suppose some dedicated party might actually be able to hijack that number ...
by JohnFiscal
Mon May 13, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 41
Views: 3708

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

FWIW, I love my 2011 S60 T6. The first year of that particular model run. I love the T6. I've always driven 4 cyl small cars. The V6 with turbo is especially nice for me now. The T5 version of this car had 250 hp versus the 300 of the T6, but I think the power delivery is smoother with the 6. I'll d...
by JohnFiscal
Sat May 11, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How to Wire Funds from Vanguard
Replies: 9
Views: 1018

Re: How to Wire Funds from Vanguard

"Wire" option is located on the screen where you are withdrawing money from an account ("selling shares"). Complete the first box for "where's the money coming from", then work on other box "where's the money going?" ... there are options to select the bank, and to select electronic bank transfer or...
by JohnFiscal
Fri May 10, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Self-Propelled Lawn Mower
Replies: 19
Views: 1121

Re: Self-Propelled Lawn Mower

My Toro has run for 17-18 years in Houston and Florida...meaning pretty much year 'round (even twice a week in the spring). Has the Toro "GTS" engine (GTS = guaranteed to start on first or second pull), not the more expensive Briggs and Stratton. But the Toro engine has run fine and still starts mos...
by JohnFiscal
Sun Apr 28, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to send USD to Australia
Replies: 13
Views: 844

Re: Best way to send USD to Australia

Agreed, use a Foreign Exchange service. I sent well over $30K US to Canada last December. No problem. The service I used was much cheaper than a bank wire, and the exchange rate was way better. I don't recall having to jump through hoops for the over-$10K transaction. I suppose the banks all documen...