Search found 141 matches

by yohac
Fri Jun 07, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3554

Re: Preventing Identity Theft

Create your "my Social Security" account at ssa.gov, even if you're young. Arguably, sign up for USPS Informed Delivery. Both of these to prevent someone else from doing it. Set up alerts on your financial accounts.
by yohac
Tue Jun 04, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4264

Re: Amazon free shipping, bait-and-switch?

I'm not a prime member and I get these options for the link for braun: Choose a delivery option: FREE Two-Day Shipping on this order: Get fast, free delivery on this order by selecting "FREE Two-Day Shipping with a free trial of Amazon Prime" below. Wednesday, June 5 FREE Two-Day Shipping with a fr...
by yohac
Fri May 24, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 67
Views: 2780

Re: House votes to change RMDs to 72

Effective 2020. DW turns 70 1/2 in November, so she must take her first RMD this year. Unclear if this law means she can skip next year.
by yohac
Thu May 16, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4083

Re: Reservations about job offer

"until the guys on the team can trust me"

So whether you get the lead position or not is totally subjective. No way would I accept condition like that.
by yohac
Tue May 14, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3158

Re: Police and Troopers fund.

Always good to hand them off to Lenny.

https://www.youtube.com/watch?v=XSoOrlh5i1k
by yohac
Mon May 13, 2019 11:05 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10456

Re: Does your retirement plan work if stocks are flat or in decline for decades?

If stocks return nothing for decades, most likely the entire worldwide economic system has collapsed. So I'd have go with No.
by yohac
Sat May 11, 2019 9:48 am
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 13864

Re: Help my broker is trying to freak me out

Almond wrote:
Sat May 11, 2019 9:22 am
I called my broker and he started saying I was making a grave mistake
Are you implying that you will cut your broker loose if you do this? Then of course he would say that. They learn that on the first day of broker school.
by yohac
Tue May 07, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7665

Re: Walk away from my auto lease?

Unfortunately you may have to sue. In court, they would have the burden to prove you abused it.
by yohac
Mon May 06, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Roku
Replies: 35
Views: 3639

Re: Roku

Katietsu wrote:
Mon May 06, 2019 8:34 am
If hardwire is not an option and no 4K TVs, would you still prefer the Ultra.
The stick works fine if you have good wifi, but it is a bit slower than the Ultra. Whether it's $50-worth slower is a personal decision.
by yohac
Tue Apr 30, 2019 4:33 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7530

Re: "The market is overvalued"

I'm a lot older than you, and I can't remember a time when people weren't saying the market was overvalued.
by yohac
Tue Apr 30, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 6723

Re: Rolled over and melting down

I know I should be breathing but man, it's a first for me to have more than 100k ....LOST IN SPACE. I don't know where your money is, but I definitely know the feeling of having a ton of money in limbo, and it's awful. The fact that these rollovers are still done by paper checks over snail mail is ...
by yohac
Tue Apr 30, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Low Cost Will?
Replies: 13
Views: 567

Re: Low Cost Will?

Since you asked, we used this: https://www.amazon.com/Quicken-Willmake ... 1413325556

Simple, cheap. Whether it's actually a good idea, TBD.
by yohac
Tue Apr 30, 2019 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 6723

Re: Rolled over and melting down

This is just a data point, which may not be applicable to your plan. Money from an old 403B that I rolled into my last 401K was definitely available for rolling out into an IRA, even while I was still employed. This showed up as a separate amount available for withdrawal or rollover. Of course money...
by yohac
Sun Apr 28, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: How much cash in Reykjavik and Dublin
Replies: 19
Views: 1563

Re: How much cash in Reykjavik and Dublin

If Dublin is a prepaid tour, I wouldn't take much if any cash. Visa and MasterCard are accepted pretty much anywhere.
by yohac
Tue Apr 23, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Madness, Seeking Help
Replies: 23
Views: 2972

Re: Credit Card Madness, Seeking Help

Assuming she's asking for advice (and if not, then respectfully, butt out) she should insist that hubby surrender that card. If he won't, the marriage is basically over anyway.
by yohac
Tue Apr 23, 2019 3:30 pm
Forum: Personal Investments
Topic: Techniques for doing NOTHING?
Replies: 48
Views: 4641

Re: Techniques for doing NOTHING?

The only thing that really worked for me was to put most of our money in Life Strategy funds. Otherwise I was continually tempted to tweak/rebalance/reallocate/whatever word sounds good.
by yohac
Tue Apr 23, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Underassessment by County Assessor
Replies: 29
Views: 1727

Re: Underassessment by County Assessor

We had this situation too. The condo next door, virtually identical to ours, was assessed 10% lower. Got nowhere on the appeal. They go on recent comparable sales, and only if there are none, will they consider other data like appraisals, asking prices, less comparable sales, etc. Specifically exclu...
by yohac
Wed Apr 17, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 8004

Re: I’m a Loser Stuck in a Dead End Job

A loser is someone who quits trying. That's not you. If you're that good at coding, don't feel like no degree means you can't get a job in IT. Good web developers are in high demand. (Even bad ones are getting jobs.)
by yohac
Mon Apr 15, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6666

Re: After financial independence, do you play credit card bonus games?

Only if we have a big trip or something coming up, that covers the signup bonus spending requirement in one shot. Otherwise it's not worth it to me.
by yohac
Mon Apr 15, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 6214

Re: What defines "income" on a retiree's credit card application?

I use MAGI from last tax return. But there are no real rules. I've gotten a lot of cards over the years and have never been asked for income verification. Granted some places do ask, like PenFed.
by yohac
Mon Apr 15, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: How to fix jerky images on streaming TV?
Replies: 29
Views: 1643

Re: How to fix jerky images on streaming TV?

Speaking from personal experience, Roku sticks do not as much range as their boxes. And of course they have no cable connector. Definitely the first thing to check is whether moving the TV next to the router helps. If so, I'd probably just get a Roku Ultra rather than investing in repeaters, which t...
by yohac
Sat Apr 13, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Young And Senior Community
Replies: 10
Views: 1202

Re: Young And Senior Community

On the plus side, you generally don't have to worry about loud music and all-night hot tub parties.
by yohac
Fri Apr 12, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Any way I can hire my parents?
Replies: 45
Views: 2292

Re: Any way I can hire my parents?

If you hire him as an employee, you're on the hook for employment taxes (SS, Medicare, unemployment) reducing any tax advantage. If you hire him as an independent contractor, which he certainly would not be, you're asking for trouble.
by yohac
Wed Apr 10, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Seeking ideas for name of Project
Replies: 27
Views: 737

Re: Seeking ideas for name of Project

sksbog wrote:
Wed Apr 10, 2019 9:18 am
its the middleware + API management, reattime integrations
Hmm, the stuff nobody sees. Well, I looked for a synonym of "communication". How about "Project Intercourse"? Everyone will remember it!
by yohac
Wed Apr 10, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Seeking ideas for name of Project
Replies: 27
Views: 737

Re: Seeking ideas for name of Project

No acronyms - they're out of style.

"Refresh", "Re-platform", seem too vague. What does the software actually do?

We've had informal naming contests among the team members (with eternal bragging rights as the only prize.)
by yohac
Tue Apr 09, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6505

Re: How Much Do You Pay For Haircut?

Nothing, self-buzz cut. But our household average is 50 bucks a month.
by yohac
Tue Apr 09, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3545

Re: Is a work-at-home job have the same expectations as the office job?

My thought was that a normal job allows for a (2) 15 minute breaks plus (1) 30 minute lunch break each day. I would think that employers would have the same rules for employees that work at home too. Is this not a correct understanding? It's more flexible than that. But now that I'm remote part-tim...
by yohac
Sat Apr 06, 2019 6:31 am
Forum: Investing - Theory, News & General
Topic: Valuation Informed Indexing
Replies: 37
Views: 2131

Re: Valuation Informed Indexing

Are you aware the market has earned nothing or next to nothing over long periods of time in the past where you would have been better off with cash equivalents? CAPE has been "dangerously" high since the 1990s. Anyone avoiding stocks for that reason (like Bennett) has lost out big time. Shiller him...
by yohac
Fri Apr 05, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: Valuation Informed Indexing
Replies: 37
Views: 2131

Re: Valuation Informed Indexing

The guy behind passionsaving.com is notable only for his constant trolling of the Bogleheads board at Morningstar, leading to the creation of this properly moderated board.
by yohac
Tue Apr 02, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 136
Views: 6071

Re: Scam alert - USPS new feature playing a role

I don't think a credit freeze stops somebody who you already have a "relationship" with from getting your credit report. They can get your report for their own internal purposes, but I know for a fact that Chase won't issue you a credit card if your credit is frozen, even if you have other cards wi...
by yohac
Tue Apr 02, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 136
Views: 6071

Re: Scam alert - USPS new feature playing a role

There have been so many horrendous data breaches that most scammers don't bother with Informed Delivery or breaking into mailboxes anymore. That's too much work. They just buy your data online. Everyone should freeze their credit reports.
by yohac
Sat Mar 23, 2019 3:50 pm
Forum: Investing - Theory, News & General
Topic: Why past performance does not predict future?
Replies: 70
Views: 2881

Re: Why past performance does not predict future?

When it comes to stocks or stock market, why is it said that past performance does not predict future performance? Whereas in most areas of life, that does appear to be the case: - In sports, the performance is not random. Good players tend to perform good. - In education, a 4.0 GPA in one semester...
by yohac
Wed Mar 20, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 2240

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

I use just straight CallCentric, no Google Voice. As I make few calls, it's like 4 bucks a month, and my old OBi100 works perfectly.
by yohac
Wed Mar 13, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred: Cancel/Downgrade Question
Replies: 13
Views: 1610

Re: Chase Sapphire Preferred: Cancel/Downgrade Question

From what I've read, they won't claw back your points, but they won't allow a product change until your anniversary. And even then, they may not allow you to directly change to a Freedom. They're a little weird that way.
by yohac
Wed Mar 13, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6526

Re: Any credit cards that can beat the Citi doublecash?

If the description of your spending habits is complete, and you want to keep things simple, I think your Citi card is the best choice.
by yohac
Fri Mar 08, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: simple will for a catastrophic event
Replies: 88
Views: 3370

Re: simple will for a catastrophic event

You probably should create a trust, but assuming you are trying to avoid that, many states have "transfer on death" deeds, where you could name your eldest (if an adult) the beneficiary of your home, avoiding probate. And obviously you should have beneficiaries set on your investment accounts. That ...
by yohac
Sun Mar 03, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to decline additional responsibilities in work?
Replies: 14
Views: 2064

Re: How to decline additional responsibilities in work?

Unless this "request" was a nicely worded ultimatum, you can always say No. Just say that the 2/3 schedule suits you and you don't want to increase it. Better that than agreeing to do something you hate, and will therefore probably suck at. Of course, they in turn will push your name higher up the l...
by yohac
Mon Feb 25, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 38
Views: 2768

Re: Dental Insurance

After retiring, the only dental insurance that made any sense for us was Cigna. $33 a month covers two exams per year for me and DW, which is less than half what we would pay out of pocket. Our dentist doesn't believe in breaks for cash customers.

Anything beyond an exam, we self-insure.
by yohac
Sat Feb 23, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Purchase --Back Out Advice?
Replies: 27
Views: 2288

Re: Real Estate Purchase --Back Out Advice?

Since your loan is already approved, you're in a tough spot. You can't just refuse to remove the finance contingency. The seller's agent would certainly insist on seeing the loan rejection letter, and lacking that, they would keep the earnest money. Why don't you first try to settle with the seller ...
by yohac
Thu Feb 21, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Married Filing Separately to control IRMAA costs
Replies: 11
Views: 835

Re: Married Filing Separately to control IRMAA costs

See https://secure.ssa.gov/poms.nsf/lnx/0601101020

For married filing separately, the Part B premium at the first IRMAA tier (MAGI > $85K) is 433.40, which the same as the fourth tier for married filing jointly (MAGI > $320K).
by yohac
Wed Feb 06, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: What do you blame for unhappiness in retirement?
Replies: 53
Views: 3873

Re: What do you blame for unhappiness in retirement?

flyingaway wrote:
Wed Feb 06, 2019 9:34 am
So, my question is: What do you blame for your (occasional) unhappiness in retirement?
Haven't had an unhappy day yet, but if I did, it would be because I had no answer to "What am I going to do today?"
by yohac
Wed Feb 06, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Should I get a rear dashcam to deal with tailgaters?
Replies: 50
Views: 2188

Re: Should I get a rear dashcam to deal with tailgaters?

You can't control other people. Personally I just ignore them. If you're cruising down the highway, why keep checking the rearview mirror?

You could just randomly touch the brake pedal. Some people may back off a little, if they think you're nuts.
by yohac
Thu Jan 24, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Negotiating a part-time schedule for a career that is typically full-time?
Replies: 22
Views: 838

Re: Negotiating a part-time schedule for a career that is typically full-time?

At this point, you'd probably have to at least imply that you're burned out and ready to quit. Then they might consider it - if they think you're indispensable.
by yohac
Tue Jan 22, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings for Income Manipulation for ACA Purposes?
Replies: 84
Views: 4936

Re: Too Much Savings for Income Manipulation for ACA Purposes?

For someone with that much in taxable, and presumably as much or more in tax-deferred, the ACA subsidy is barely a rounding error. In any case there aren't any quasi-index funds that pay zero dividends. Closest thing I suppose would be Berkshire Hathaway - and that's not close.
by yohac
Sat Jan 12, 2019 10:36 am
Forum: Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 42
Views: 2564

Re: Rollover - why checks instead of wiring funds?

As for "delays" when checks are used, such as from 403b to an IRA, sometime approximately 10-15 years ago, TIAA-CREF (then the name) took weeks and weeks, and then more weeks to move a significant sum of cash. VERY annoying. TIAA is terrible, even today. I transferred my 403B to an IRA at TIAA, thi...
by yohac
Fri Jan 04, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Wife spends too much money on housewares / decorating stuff.
Replies: 39
Views: 1602

Re: Wife spends too much money on housewares / decorating stuff.

Buying stuff just to buy stuff fills some emotional need for her. Until she agrees it's a problem, showing her numbers probably won't help. I wouldn't try putting her on a leash.
by yohac
Wed Jan 02, 2019 5:01 pm
Forum: Personal Investments
Topic: Vanguard Returns Extremely Disappointed
Replies: 44
Views: 5193

Re: Vanguard Returns Extremely Disappointed

When I started with VG when I was young, I had 100% invested in Wellington. It sucks that Wellington by far outperformed what I did. Wellington's performance has equalled Total stock with much less volatility. I'm surprised that Wellington has done so well so consistently. Presumably you left Welli...
by yohac
Wed Jan 02, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: How long before real estate becomes stale? (Advice)
Replies: 14
Views: 1807

Re: How long before real estate becomes stale? (Advice)

defscott627 wrote:
Wed Jan 02, 2019 7:50 am
At what point would you decide to take closer to $450,000?
It would depend on how urgently I needed to sell.

Of course you can always take it off the market and relist it later.
by yohac
Fri Dec 28, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2536

Re: Why do people buy- performance cars?

Based on the posters at car enthusiast sites, the answer is: If you have to ask, you'll never get it.
by yohac
Wed Dec 26, 2018 4:14 pm
Forum: Personal Investments
Topic: Order cancellation at Vanguard
Replies: 12
Views: 2140

Re: Order cancellation at Vanguard

Yesterday I was able to cancel a Vanguard bond fund exchange, a couple hours before the close. I'm on the "new" platform.