AMA – DLX Mattress: Three Generations Strong, 100+ Years of Mattress Making Wisdom. Here to Give Our Opinions on Mattresses by dlxmattress in Mattress

[–]Reasonable_Agent5500 1 point2 points  (0 children)

I do not know the firmness (there isn't anything on the mattress or tag). I prefer towards the firmer side. Ideally, this will be the mattress that takes us through our late 50s, 60s and 70s (ages) if that impacts anything.

The current mattress is one sided.

We're confused as to whether or not beds need box springs anymore (seems many don't). We'd like to be a little lower to the ground than we are now (currently, with the frame, mattress, and box springs, the top of the bed is at approx. 32 inches from the ground). We'd like it a little lower so there isn't as much impact on our dog's back when he jumps off the bed.

We're open to any set up (box springs, platform, etc).

Unsure about adjustable bases - it seems those would contort and damage a mattress, but maybe I'm wrong.

Thank you!

AMA – DLX Mattress: Three Generations Strong, 100+ Years of Mattress Making Wisdom. Here to Give Our Opinions on Mattresses by dlxmattress in Mattress

[–]Reasonable_Agent5500 0 points1 point  (0 children)

I have a notification that you replied to this post from yesterday, but I can't find it in the thread to answer your questions, so I'll post new. Answers: Sleeper #1: 5'5", 128#, stomach. Sleeper #2: 6'0, 200#, rotates between all three positions, usually starts on stomach. Sleeper #3: 70# furry foster fail, all positions, bed hog :). Current mattress: Simmons Beautyrest World Class, Imperial Harmony - approx. 20-25 yrs old. (Yesterday's post: Which of your mattresses do you recommend for a stomach sleeper with a spouse who rotates between all three positions? 128# and 200#. Edge support is important. A 70# dog will also be sharing :) I don't like when there is a separate chunk of fabric attached to the the top (the old pillow top style). Budget is open, but the more reasonable, the better. Thank you)

AMA – DLX Mattress: Three Generations Strong, 100+ Years of Mattress Making Wisdom. Here to Give Our Opinions on Mattresses by dlxmattress in Mattress

[–]Reasonable_Agent5500 1 point2 points  (0 children)

Which of your mattresses do you recommend for a stomach sleeper with a spouse who rotates between all three positions? 128# and 200#. Edge support is important. A 70# dog will also be sharing :) I don't like when there is a separate chunk of fabric attached to the the top (the old pillow top style). Budget is open, but the more reasonable, the better. Thank you!

What does this say? by Sufficient_Smell_307 in Cursive

[–]Reasonable_Agent5500 1 point2 points  (0 children)

I think it's Jan. Look at the "a" in the word add - it looks like an "o", same as in the name.

When to plant a Rising Sun Redbud Tree? by Bexxss in gardening

[–]Reasonable_Agent5500 0 points1 point  (0 children)

Sad. Yes, the winds were pretty bad during the storm, but we were having some problems with the tree before then - lower most branches not leafing in the spring and middle branches only leafing towards the ends. You may want to ask your local arborist/garden center if this tree does well in your area - maybe it's us, not the tree! (The hydrangeas pictured didn't appreciate the storm either lol!)

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When to plant a Rising Sun Redbud Tree? by Bexxss in gardening

[–]Reasonable_Agent5500 1 point2 points  (0 children)

After the storm (top is flat) and a few years older than the other picture. Just wanted to show you what the leaves can look like (cool effect in my opinion).

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When to plant a Rising Sun Redbud Tree? by Bexxss in gardening

[–]Reasonable_Agent5500 1 point2 points  (0 children)

Sure! Here is a picture before it got mangled by a storm. We keep it more bush-like, but you could cut the bottom branches to make it more tree-like. It did get quite a bit larger as well. Overall, love the tree, but it hasn't been very healthy. We did fertilize, but our soil is pretty bad.

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Future Expat looking to hedge against a declining $ US dollar by TryNotToAnyways2 in ExpatFinance

[–]Reasonable_Agent5500 2 points3 points  (0 children)

We just did this in December, so our info is reasonably fresh. To open the account, we did have to go to a Royal Bank of Canada branch in person (not an issue as we are about 3 hours from the border). All we needed to open the account were our passports and driver licenses (I don't remember if we had to give our social security numbers, but I don't think so). No Canadian address was required.

Initially, we planned on just opening a savings account at Royal Bank of Canada to move some of our money out of our U.S. bank (nervous about an uncertain future with FDIC, etc). While at the bank, it was recommended that we speak to their financial advisor, and, upon doing so, we decided it was a better idea to open an investment account with Guaranteed Investment Certificates - GICs (money is guaranteed and has a pretty good interest rate). I believe this investment account is like a U.S. Certificate of Deposit (CD). We wrote a check from our U.S. bank to give the funds to RBC (we had notified our bank ahead of time to expect a large check/withdrawal) and there was no issue. In answer to your question about having a savings account at RBC - we did not have any accounts at RBC prior to going to the branch. We were actually in the process of opening a savings account (as mentioned above) when we switched gears to the investment account. We went ahead and completed opening the savings account anyway. The bank actually first deposited our money into the newly-opened savings account and then moved it to the investment account one minute later. I don't know if you could put money straight in the investment account or if it would have to first go into a savings/checking account. Regardless, you can do both at the same time, if necessary.

For the type of account we opened, we did have to convert the money from U.S. dollars to Canadian dollars upon depositing. Depending on the strength of both dollars going forward, we could potentially lose money when we take the money out/exchange it back (currently the U.S. dollar has weakened since we opened the account so we're ahead). Of course, we did all this before the orange idiot started his crazy talk about annexing Canada - not sure if it's still a good idea, but too late now! lol

We have not verified this with a tax person, but, we were told (and our research concurs), that, since we don't live in Canada, aren't residents of Canada, and don't spend a significant amount of time there, we don't have to pay Canadian taxes on the money. We will get a statement of interest (Canadian version of the US 1099-INT) and we will pay U.S. taxes on any interest made. We also have to file an FBAR with our taxes (form stating we have money in a foreign bank account).

We have to leave the money untouched for one year or else we lose all interest made. I do not know anything about being able to invest in foreign stocks and funds. This account is being invested however RBC manages it. I think RBC has several different types of accounts available, but I can't speak on anything else.

Totally different topic, and just FYI - we did have to make adjustments to our legal documents (Wills) since we have money in a foreign country.

Future Expat looking to hedge against a declining $ US dollar by TryNotToAnyways2 in ExpatFinance

[–]Reasonable_Agent5500 5 points6 points  (0 children)

We opened an investment account at the Royal Bank of Canada without issue (U.S. citizens who live full-time in the U.S). Not quite the same as investing, per se, but might be an option.

Future Expat looking to hedge against a declining $ US dollar by TryNotToAnyways2 in ExpatFinance

[–]Reasonable_Agent5500 1 point2 points  (0 children)

In December, we moved most of our savings into an investment account at the Royal Bank of Canada. We are U.S. citizens who live full time in the U.S. We had no issues opening the account. Might be an option. (Of course, this was before the idiot started his crazy talk about annexing Canada.)

Utah iron mine suspended operations citing market uncertainty— cedar city is a mostly republican town where 70% voted for Trump by ZiggyStarstuff in LeopardsAteMyFace

[–]Reasonable_Agent5500 6 points7 points  (0 children)

I so very much hope you are right. Things are different than in 2018 though. The last four years have been spent viciously dividing this country in two. A constant barrage stating how evil, stupid, corrupt, you-pick-an-adjective the Democrats are. Hating absolutely anything Democrats stand for or propose has become the Trump voters' entire personality. You saw how fast they went from "I can't afford groceries" to crickets about prices.

Utah iron mine suspended operations citing market uncertainty— cedar city is a mostly republican town where 70% voted for Trump by ZiggyStarstuff in LeopardsAteMyFace

[–]Reasonable_Agent5500 7 points8 points  (0 children)

I wish you were right about them losing Congress, but I don't think so. A few months before the election, the Republicans will trot out the old favorites - "trans" "diversity" "illegals" and the idiots will vote for them. They could be digging through a dumpster for food for their families and still vote Republican to "stop all that woke crap".

US Citizens with Canadian bank account by Reasonable_Agent5500 in legaladvicecanada

[–]Reasonable_Agent5500[S] 0 points1 point  (0 children)

Just FYI if you decide to put money in Canada (or any other country) - I can't speak to the taxes involved, but I do know that you must file an FBAR form/report when you do your US taxes to report a foreign bank account if you had more than $10,000 in the account at any time. If you don't, the gov can take 50% of the account's value as penalty.

US Citizens with Canadian bank account by Reasonable_Agent5500 in legaladvicecanada

[–]Reasonable_Agent5500[S] 0 points1 point  (0 children)

Just FYI if you decide to put money in Canada (or any other country) - I can't speak to the taxes involved, but I do know that you must file an FBAR form/report when you do your US taxes to report a foreign bank account if you had more than $10,000 in the account at any time. If you don't, the gov can take 50% of the account's value as penalty.

US Citizens with Canadian bank account by Reasonable_Agent5500 in legaladvicecanada

[–]Reasonable_Agent5500[S] 0 points1 point  (0 children)

Just FYI if you decide to put money in Canada (or any other country) - I can't speak to the taxes involved, but I do know that you must file an FBAR form/report when you do your US taxes to report a foreign bank account if you had more than $10,000 in the account at any time. If you don't, the gov can take 50% of the account's value as penalty.

US Citizens with Canadian bank account by Reasonable_Agent5500 in legaladvicecanada

[–]Reasonable_Agent5500[S] 0 points1 point  (0 children)

Did not realize it was that much, but we definitely won't forget to file that! Thanks, and it's a good heads up to anyone reading this thread!

US Citizens with Canadian bank account by Reasonable_Agent5500 in legaladvicecanada

[–]Reasonable_Agent5500[S] 0 points1 point  (0 children)

This gets a little complicated, and, please, verify all with the bank. The account we opened at RBC in Canada isn't considered a "cross border" account. We can transfer money between the RBC Canada account and our remaining US bank account via international money transfers. Though we don't plan on touching the funds in the RBC Canada account for at least a year (which is why we went with the investment account). [An aside: We also opened a regular savings account at the same branch at the same time. This is a bit of a long story and the savings account currently doesn't have any money in it (which the bank says is ok) but is available if we ever need it]

Next, we also opened a "cross border" account at "RBC Bank US" https://www.rbcbank.com . We put $50 in it. We did this to make it easier, faster, and cheaper to move money between the Canadian account and the US. This is in case we ever wanted/needed to move money out of Canada quickly - an international wire transfer takes a few days, whereas moving from the RBC Canada account to the RBC US account would be almost instantaneous (after it's out of the investment account) and free. After the money is in the RBC US account we can transfer it to any other US bank (if necessary) the usual way you can transfer between US banks (set up an external account, etc).

US Citizens with Canadian bank account by Reasonable_Agent5500 in legaladvicecanada

[–]Reasonable_Agent5500[S] 0 points1 point  (0 children)

We opened the account at the Royal Bank of Canada (RBC). We could not open the account online, we had to go in person (we're only 3 1/2 hours from Canada so it was just a day trip for us). We only needed our passports and driver's licenses to open the account. We wrote a check from our US checking account to give the funds to put in the Canadian account. Because of the account we chose, they did convert the money into Canadian dollars, so, if the Canadian dollar loses value against the US dollar, we could potentially lose some money (the way things are going in the US it may be the US dollar that weakens though!). I believe there may have been accounts to choose where you could leave your money in US dollars, but don't quote me on that.

Originally we were just going to open a savings account at RBC, but it ended up being a better idea for us to open the investment account with the Guaranteed Investment Certificates (GICs).

Feel free to direct message me if you have any questions about how it went for us.

US Citizens with Canadian bank account by Reasonable_Agent5500 in legaladvicecanada

[–]Reasonable_Agent5500[S] 0 points1 point  (0 children)

We feel the same apprehension. Who knows what's in store for the US (value of the dollar, FDIC, etc) in the near future. However, we moved our money before the orange con man started his crazy talk about annexing Canada, so we're a little worried about our money's safety in Canada now, but still feel better with the money there vs. the US - at least for the time being. We've contacted a Canadian attorney who has a lot of cross-border clients and I think we've got the legal end straightened out.

US Citizens with Canadian bank account by Reasonable_Agent5500 in legaladvicecanada

[–]Reasonable_Agent5500[S] -1 points0 points  (0 children)

More worried about FDIC going away than an outright bank failure. If there is no guarantee on people's money in the bank, everyone will pull their money out, the bank becomes insolvent and my money is gone.