Search found 816 matches

by JohnFiscal
Sun Aug 02, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: Best Home Blood-Pressure Monitor for Accuracy?
Replies: 19
Views: 2097

Re: Best Home Blood-Pressure Monitor for Accuracy?

I've had my Omron for years and just finally took it in to be re-calibrated and it didnt need it. I would strongly recommend them, I have even dropped it several times. Sidenote I dont have skinny arms because i lift but my wife does, she has high blood pressure at times so has to be tracked and re...
by JohnFiscal
Wed Jul 22, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Utility of a Living Trust for our particular situation?
Replies: 14
Views: 1027

Re: Utility of a Living Trust for our particular situation?

Sorry if I missed the state of residence in previous posts. Florida is mentioned in some posts but I couldn't find details from the OP. If it is Massachusetts, and a few other states, there is a state estate tax. This can be minimized by appropriate use of revocable trusts. If this is applicable, t...
by JohnFiscal
Tue Jul 21, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: New 10 yr term life policy for a 60 yr old?
Replies: 6
Views: 744

Re: New 10 yr term life policy for a 60 yr old?

I will give you comments on what I actually did in a somewhat parallel situation. If I understand correctly you are now without the life insurance, or will be soon (6 months or less); yet there is a not inconsequential balance left on the mortgage as well as some other debts. Let's say that you died...
by JohnFiscal
Tue Jul 21, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Utility of a Living Trust for our particular situation?
Replies: 14
Views: 1027

Re: Utility of a Living Trust for our particular situation?

Thank you all for your comments. I had overlooked (or forgotten) that there are some practical reasons for putting assets into the living trust, as several posters mentioned. Gosh, this all just makes my head spin, and it's only one of several major life decisions/plans to be making over the next sh...
by JohnFiscal
Mon Jul 20, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Utility of a Living Trust for our particular situation?
Replies: 14
Views: 1027

Utility of a Living Trust for our particular situation?

(continuing on from my related post https://www.bogleheads.org/forum/viewtopic.php?t=317894) DW (56) and I (68) are planning for our estates. We are working with a lawyer (one visit so far) and will have wills and possibly a revocable living trust. Our estate runs to around $2.5 million, including o...
by JohnFiscal
Mon Jul 20, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Where can I go to talk to a CPA for a single tax question?
Replies: 4
Views: 767

Re: Where can I go to talk to a CPA for a single tax question?

White Coat Investor has list that you could reach out to: https://www.whitecoatinvestor.com/tax-strategists/ Thanks, that was a very handy list, even for me, a non-physician. One firm mentioned deals with "international" tax issues and that may be me in the near-ish future should wife and I proceed...
by JohnFiscal
Sun Jul 19, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - 12% per year from mutual funds?
Replies: 118
Views: 5045

Re: Dave Ramsey - 12% per year from mutual funds?

Lots of discussions about DR, but I have to say that I'm astonished that Ramsey is still promulgating this nonsensical return information. He must know himself that this is patently false and yet he continues to mislead his -mostly unsophisticated- listeners. It's like he helps them get out of debt ...
by JohnFiscal
Tue Jul 14, 2020 9:26 pm
Forum: Personal Consumer Issues
Topic: Coffee bean grinder
Replies: 34
Views: 1590

Re: Coffee bean grinder

We've used several types of "cheap" grinders, including some like you show at Amazon, as well as some hand-operated burr grinders. The blade grinders "pulverize" the product (as I read it described once), whereas the burr grinder actually grinds the product the way that old-time mils ground wheat in...
by JohnFiscal
Wed Jul 08, 2020 2:24 pm
Forum: Investing - Theory, News & General
Topic: Does it really matter when you claim Social Security
Replies: 109
Views: 9244

Re: Does it really matter when you claim Social Security

I am 68 now, "retired" (having stopped working at one month beyond my FRA of 66). I am still waiting and plan to collect SS at 70. Like many others here, I have analyzed the heck out of this over a number of years and created my own spreadsheets and used iORP for additional verification. I think it ...
by JohnFiscal
Sun Jul 05, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5771

Re: Boglehead Way to buy an Audi

I'm in the market for a small/mid SUV/crossover and am seriously considering an Audi Q5. ... Should you still be considering other makes, I suggest checking the Volvo XC40 and XC60. Pretty nice vehicles. I was an Audi guy since 1978 with my Audi Fox. Had an Audi 90 and then my beloved 2000 A4 1.8T ...
by JohnFiscal
Thu Jun 25, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Retiring Abroad
Replies: 109
Views: 11142

Re: Retiring Abroad

Personally, my wife and I have long considered moving back to her home of Canada from the US. She has Canadian citizen (as well as US), I do not. I've been retired for 2 years and there's nothing keeping us here in Florida, we moved here only for my job transfer. I would be very happy to move. Find...
by JohnFiscal
Thu Jun 25, 2020 6:59 am
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 151
Views: 7320

Re: What famous investing quote reminds you of your investing style?

"Where are the customers' yachts?"
- Fred Schwed

"Pay yourself first"
- my Dad
by JohnFiscal
Wed Jun 24, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Email Address Used to Create Employer Retirement Plan Account
Replies: 14
Views: 861

Re: Question About Email Address Used to Create Employer Retirement Plan Account

These days you can obtain email addresses cheaply..as in "free" (years ago you had to pay for them as part of your internet service). So feel free to create a new email address to be used strictly for personal financial dealings. This segregates it from your employer, even idle snoopers at your work...
by JohnFiscal
Wed Jun 24, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Perigold (Wayfair affliate) Furniture
Replies: 9
Views: 521

Re: Perigold (Wayfair affliate) Furniture

Good points from veindoc. In fact, over the past few months we have been non-recipients of some Amazon orders. But even worse, is Amazon pantry. If you like all your canned goods dented feel free to use Amazon pantry. Also they are quite happy to dump your canned items on top of fragile items like F...
by JohnFiscal
Wed Jun 24, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Perigold (Wayfair affliate) Furniture
Replies: 9
Views: 521

Re: Perigold (Wayfair affliate) Furniture

delamer wrote:
Wed Jun 24, 2020 11:54 am

Zappos also has kept up its quick shipping.
Zappos has been owned by Amazon for a number of years now.
by JohnFiscal
Wed Jun 17, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: I need to get a Will
Replies: 26
Views: 1422

Re: I need to get a Will

You mention your wife as beneficiary, but have you named secondary beneficiaries in case something happens to both of you in the same accident? Excellent point, sailaway. I've created an Excel spreadsheet to document all "accounts" (financial, investment, life insurance, etc) with their form of own...
by JohnFiscal
Wed Jun 17, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: I need to get a Will
Replies: 26
Views: 1422

Re: I need to get a Will

thanks Tibbitts. I did post those issues in my second post. It's a balancing act... making a post too long with too much detailed information...and then few people will bother to wade through the whole thing. Or posting a simple question ...which is more likely to be read, then providing further inf...
by JohnFiscal
Wed Jun 17, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: I need to get a Will
Replies: 26
Views: 1422

Re: I need to get a Will

All, thank you for the replies. Very useful. Senex, yes, you get my concern. $95 (plus two witnesses) for an online will today would be cheap insurance against dying intestate. Not that I plan on dying soon but one never knows (in fact, my sister is dealing both with a BIL who died intestate and a f...
by JohnFiscal
Wed Jun 17, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: I need to get a Will
Replies: 26
Views: 1422

I need to get a Will

I'd like some comments regarding wills for my wife and me. We currently do not have wills and I urgently want to get this done. I am uncertain if we should simply use some software (WillMaker, LegalZoom, etc) or go to a local professional. On the one hand, our wills could be simple, there are no chi...
by JohnFiscal
Tue Jun 16, 2020 9:12 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11105

Re: Should I sell my stash of dental floss now worth $3,000?

I am concerned about this and also confused. Are we talking about the sort of waxy/woven-y/very stretchy non-cotton floss from Johnson & Johnson? I have in my hand two packages of such (both J&J): (1) purple "REACH TOTAL CARE with LISTERINE flavors" and (2) blue "LISTERINE ULTRACLEAN" I love this st...
by JohnFiscal
Tue Jun 16, 2020 8:29 pm
Forum: Personal Consumer Issues
Topic: Retiring Abroad
Replies: 109
Views: 11142

Re: Retiring Abroad

Check Social Security for retiring abroad. They won't pay benefits if you live in some countries (very few). There are reciprocal agreements with a number of other countries for benefits. On the other hand, if your benefit is deposited into a US bank and you can maintain a US mailing address then p...
by JohnFiscal
Thu Jun 11, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: Retiring Abroad
Replies: 109
Views: 11142

Re: Retiring Abroad

Personally, my wife and I have long considered moving back to her home of Canada from the US. She has Canadian citizen (as well as US), I do not. I've been retired for 2 years and there's nothing keeping us here in Florida, we moved here only for my job transfer. I would be very happy to move. Findi...
by JohnFiscal
Sat Jun 06, 2020 2:29 pm
Forum: Forum Issues and Administration
Topic: "Will" not a valid search term in forum
Replies: 6
Views: 814

Re: "Will" not a valid search term in forum

Yes, "will" works in regular search, just not a search of user's own posts. Thanks for the tips all on workarounds.

I'm getting there. I just didn't want to post something that was a dupe of something I'd posted 5 years ago.

Maybe the admins can work on that "white list" of permitted "simple" words.
by JohnFiscal
Sat Jun 06, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 447
Views: 25041

Re: What fun car should I get in the $150k - $200k range?

Myself, I would go for an Audi R8. Not Spyder. OTOH, in reality I, myself, would likely go for some sort of a hot-rodded 4 banger, very light. Maybe an old Lotus. Much cheaper. I think low HP cars like this can be realistically driven as a hot rod on real roads without excessive speed and risk of da...
by JohnFiscal
Wed Jun 03, 2020 5:44 pm
Forum: Forum Issues and Administration
Topic: "Will" not a valid search term in forum
Replies: 6
Views: 814

"Will" not a valid search term in forum

I wanted to search my own posts to see if I had asked about making a "will" previously. I got this result: "The following words in your search query were ignored because they are too common words: will." I'll assume that "Trust" is also too common of a word. I agree that "will" is a word that has ot...
by JohnFiscal
Wed May 27, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: International Health Insurance! Established (Cigna, Allianz, IMG etc) vs niche (Safety Wing etc) players; how to pick?
Replies: 4
Views: 200

Re: International Health Insurance! Established (Cigna, Allianz, IMG etc) vs niche (Safety Wing etc) players; how to pic

I will have to pay more attention to this in the future myself, with likely splitting my retirement time between US and Canada. In any case, please just remember that this is "insurance". The primary point being to cover catastrophic illnesses. Various cancers, major accident, etc. This would be one...
by JohnFiscal
Fri May 08, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 114
Views: 14216

Re: Capital One 360 Savings Promo

The MM funds are no longer offered as a new account (either to new clients or existing clients to my understanding). There was a thread late last year about the new Performance Savings, which seem to be a better account all-round. I switched two accounts from MM to Performance a few months ago, disc...
by JohnFiscal
Fri May 08, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: Audi A8 or keep looking?
Replies: 30
Views: 2464

Re: Audi A8 or keep looking?

I have owned 2 Audis (and I was super hot to get a 2011 A4 Avant but ended up happy with the then-all-new 2011 Volvo S60 T6). During a certain period of years Audi was big on putting CVTs into their cars. Don't know if they were in A8s but certainly a lot of A6s. I don't like CVTs myself and that wo...
by JohnFiscal
Thu May 07, 2020 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 114
Views: 14216

Re: Capital One 360 Savings Promo

I've used Cap One 360 for many years (had the ING Orange accounts, they had to sell out of the US for some reason, and Capital One bought them) for both checking and savings. I always found the old Capital One "What's in your wallet" marketing to be pretty smarmy, but I have to say that using them a...
by JohnFiscal
Sat Apr 25, 2020 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Quarantined Musician with Financial Questions
Replies: 24
Views: 1706

Re: Quarantined Musician with Financial Questions

My sister (now retired) was/is a musician (bassoon) and a music teacher (got to pay the bills). So best wishes to you. Sounds like you're doing well. I'm sure that those with more expertise will be along shortly to comment. I just wanted to add my own two bits. Myself, I would like to see more accu...
by JohnFiscal
Wed Apr 01, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with the I-95 Florida checkpoint?
Replies: 12
Views: 2107

Re: Anyone have experience with the I-95 Florida checkpoint?

We are driving to Florida tomorrow from NC. I can see that there is a 1-2 mile backup before the checkpoint on Google Traffic indicated in orange. But I don't know how slow orange is. I'm in FL south of Tampa, staying in. FDOT has cameras on the highways that might help you with your travels. Defin...
by JohnFiscal
Mon Mar 30, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question(s)
Replies: 8
Views: 676

Re: Social Security Question(s)

...Secondary question for retired folks on the forum - how big a factor is social security in your financial planning / monthly budget? If both my spouse and I wait and collect something like 3K each a month - that's 6K a month. If we are able to pay off our house by then, I figure we could live on...
by JohnFiscal
Thu Mar 19, 2020 8:55 pm
Forum: Personal Investments
Topic: How can I get to my "sleep at night " allocation ?
Replies: 24
Views: 1785

Re: How can I get to my "sleep at night " allocation ?

Tony, for what it's worth, I am in a similar financial position as you are but I am already retired (2 yrs ago at age 66+). My AA is 55-45 (equity- bond) and I am sleeping pretty well at night. Though to be honest it was annoying when the Dow dropped below 20,000 (an arbitrary marker anyway). I plan...
by JohnFiscal
Wed Mar 18, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: Updated 3/18 - "You can't hide in bonds" article
Replies: 183
Views: 10156

Re: "You can't hide in bonds" article

This has been a great thread, and special thanks to Nisiprius for the post. Something I don't get from Savage's article; she writes "The pros are selling bonds, and bond funds now — before all those ordinary investors who thought bonds were “safe” have figured it out!" Who are these "pros" she's ref...
by JohnFiscal
Sun Mar 15, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Question on FBAR reporting - 2019
Replies: 2
Views: 145

Re: Question on FBAR reporting - 2019

thanks AJ,

I had already just pulled the lever, or pushed the button, to file the form.

AlohaJoe wrote:
Sun Mar 15, 2020 9:31 am
No, it won't result in a letter.

Also, I'm not sure what you'd do differently if you "expected a letter". Worrying about things out of your control is pointless.
by JohnFiscal
Sun Mar 15, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Question on FBAR reporting - 2019
Replies: 2
Views: 145

Question on FBAR reporting - 2019

I'm concerned with the reporting requirements of IRS Form 8938 and FinCEN Form 114 (FBAR). The former is required when total assets exceed $100,000 and the latter when assets exceed $10,000. My wife has a bank account in Canada and we have been filing the FBAR (FinCEN Form 114) for a number of years...
by JohnFiscal
Sat Mar 14, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 5066

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

seems like about everyone where I live in Florida does this. Often it's their "old" frig from when they moved here so they put it in the garage...and these are typically attached garages but not (typically) under air con. We did that as well and and when the old one went out we bought a "cheap" scra...
by JohnFiscal
Fri Feb 28, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: TurboTax importing Vanguard tax forms?
Replies: 6
Views: 887

Re: TurboTax importing Vanguard tax forms?

I had to do the same thing (log into Intuit when using desktop TT) for it to be able to log into Vanguard and import forms. There was some sort of message presented to me that it was necessary to securely log into the Intuit account so that it could securely log into my Vanguard account (and so bypa...
by JohnFiscal
Mon Feb 10, 2020 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Tax Credit (2019)?
Replies: 6
Views: 781

ACA Tax Credit (2019)?

short version: For 2019 wife's health insurance (an ACA plan) was purchased from a local representative of the insurer (FloridaBlue). To obtain the ACA tax credit I believe we need form 1095-A. But it seems that this form is sent out only by "the Marketplace" (healthcare.gov), not by "the insurer". ...
by JohnFiscal
Mon Feb 10, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax & ACA tax credit ? [2019]
Replies: 7
Views: 446

Re: TurboTax & ACA tax credit ? [2019]

An update to my original post. So, I have been using TurboTax for Web - Deluxe and it has not yet presented me with the question about, or option to enter, information about the ACA policy that wife has and our ACA tax credit. As far as TT was concerned it would just ship off the tax form without th...
by JohnFiscal
Fri Feb 07, 2020 12:04 am
Forum: Personal Consumer Issues
Topic: Finding GOOD flights, not necessarily cheapest flights
Replies: 40
Views: 3178

Re: Finding GOOD flights, not necessarily cheapest flights

So what tools/methods do you use to find good seats / flights, not just "cheap flights"? I like Google flights (www.google.com/flights). This may not give you all airlines; for example, Southwest and WestJet are omitted, if I remember correctly. Those and any others can be checked manually. The "fu...
by JohnFiscal
Tue Feb 04, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 166
Views: 12088

Re: Cybersecurity and passwords

... What happens when (not if) the computer storing your local Excel password file crashes/fails/gets stolen/etc? At that point JohnFiscal either restores from their online/offsite backup (or possibly an external drive they have backed up to). OR, JohnFiscal is a very, very sad Panda and will spend...
by JohnFiscal
Tue Feb 04, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 166
Views: 12088

Re: Cybersecurity and passwords

... What happens when (not if) the computer storing your local Excel password file crashes/fails/gets stolen/etc? well, I have several back-ups of my personal data [until recently the "personal data" were all entirely on a fully encrypted USB thumb drive for my daily use, in addition to backups. I ...
by JohnFiscal
Mon Feb 03, 2020 9:12 pm
Forum: Personal Consumer Issues
Topic: Update: Vanguard required re-registration of Yubikeys
Replies: 6
Views: 828

Update: Vanguard required re-registration of Yubikeys

So, I had re-registered my two Yubi keys with Vanguard as per the email they sent a few weeks back. All was good until today. I tried to log in and site would not accept the keys. So I log in with the SMS code. I saw that my two keys had been "expired". Deleting them and re-registering them (again) ...
by JohnFiscal
Mon Feb 03, 2020 9:04 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 190
Views: 14741

Re: Books that changed your life

'Calculus' textbook by Purcell

I was a late bloomer in higher education and successfully working through this higher level mathematics for an entire year (4 quarters) gave me the confidence to carry on and succeed in multiple areas of my life.
by JohnFiscal
Mon Feb 03, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 166
Views: 12088

Re: Cybersecurity and passwords

I've been following this thread with some interest. Long ago I started using passwords that were as complex as the site would accept. I started using a password generator to create them (I sometimes even use the same means to create user names). As the number of accounts proliferated over time (and ...
by JohnFiscal
Thu Jan 30, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 22812

Re: Capital One 360 shaking up savings accounts

Is there a simpler way to do this than opening the Performance online, then transferring my Money Market funds to the Performance and closing the Money Market? Thanks. I am also in the process of transmogrifying two MMF accounts to the new Performance accounts. I recall how a couple years ago I did...
by JohnFiscal
Thu Jan 30, 2020 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 22812

Re: Capital One 360 shaking up savings accounts

I remembered this thread from last fall and now I'm at a point where I want to "exchange" my (our) two Cap One 360 money market savings accounts to the New and Improved Performance Savings. The website still makes no provision for creating a joint account (at least up through the stage at which I ba...
by JohnFiscal
Wed Jan 29, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Capital One says up to 10 weeks to clear a Canadian check?
Replies: 12
Views: 1019

Re: Capital One says up to 10 weeks to clear a Canadian check?

I think that is a very common issue. It's not so bad when sending checks from US to Canada, they are used to this sort of thing. But not here in the US. A recent thread in the Bogleheads' sister forum in Canada discusses ways to send a small-ish amount of money from Canada to a relative in the US. I...
by JohnFiscal
Tue Jan 28, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Vanguard 1099-DIV - Discrepancy?
Replies: 3
Views: 321

Re: Vanguard 1099-DIV - Discrepancy?

"Ah, yes. I see" said the blind man. Thank you very much. The form doesn't use quite the logical progression in which my mind goes, but I see how it works now. Maybe there were such discrepancies in the past and I hadn't noticed them. You had Foreign Taxes taken out and so those did not even show up...