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FBAR and FUBAR are ---sssooo--- very close.... I stopped doing these for folks; I now have a one-page info sheet that I hand to clients with foreign accounts. I just include the 8938 (or whatever it is) with the 1040, as needed.

And in case you don't know, a 'lumper fee' is the amount paid for the labor to unload a container. The people that do this work are called lumpers. And a reefer is a refrigerated truck, not something you smoke. and a "reefer mile" (which refers to the period of time that the engine for the refrigerator unit kicks in in order to keep the temperature at 41 degrees) is a separate charge you may come across.

"...and it is just as good as a Xerox!"

omg.....bet he works for Obamacare now.

Funny, yes, -- but in the following kind of way:

And when you use a Password Manager, you only have to remember the password to THAT,, and can, if you choose, let it generate the passwords for you. To remember that 'master' password, you can use a phrase you know you will remember, then get creative. For example, say you use the phrase "I hate changing passwords". That can become "iH8cHgiNPa$Ws" you will remember it, but it's going to be hard to guess unless you know the phrase.

Likewise, if you have two feet, you have more than the average number.

My nerdiness is really gong to show here. For passwords that I must remember, I use some kind of keyboard pattern, usually alternating holding down the shift key. For example, start with a, and make some kind of shape/trail across the keyboard, holding down and letting go of the shift key every 2 digits for example. Another popular method is creating a few pronounceable syllables, and separating them with hyphens: foj-mip-mong-foog. You could substitute letters with numbers too. Maybe add a question mark or an exclamation point to the end. Really, as long as a dictionary word doesn't appear anywhere in the password, and you have a digit and a special character (preferably breaking up the letters instead of added to the end), it's pretty difficult to crack. I have no chance of remembering my passwords, though, so I don't try. I have about 270 passwords that I keep track of for websites that I build and websites that I use. They're all between 12-20 characters, but usually closer to 20. They are random letters, numbers, and symbols. I use an application called KeePass to generate, remember, and organize all of them which itself is an encrypted and password protected database. I keep the database file stored in my Google Drive folder, which syncs across the few computers I regularly use, so every time I add a password at one computer, the database is updated on all 4 machines. It's helpful that the database format is supported by password software available for Windows, Mac, Android, and Linux. Probably iOS too.