Search found 1186 matches

by retire2022
Sun Jun 28, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Annual Credit Report - what good is it?
Replies: 11
Views: 643

Re: Annual Credit Report - what good is it?

Op

I have free monthly FICO scores via Citibank Costco Visa on its websites.

Also the Discover card has disclosed FICO scores as well on its monthly statements.
by retire2022
Sat Jun 27, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: Investing vs working
Replies: 67
Views: 5192

Re: Investing vs working

If there's a tipping point where one makes more investing than from labor it's likely nowhere near the median here in the US. I'm mid-50s, fairly close to a median earner, and also close to average investment holdings for my age (likely above the median, though -- I'm not sure even half of adults i...
by retire2022
Thu Jun 11, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Primary residence questions
Replies: 1
Views: 338

Re: Primary residence questions

Op, In the local county website there should be a UCC-1 which is standard form you had filled out for the original loan, and to close out the mortgage, you should receive a copy of UCC-3 Termination and it should be recorded to local county website as record your loan is paid off. https://www.invest...
by retire2022
Thu Jun 11, 2020 8:24 pm
Forum: Personal Investments
Topic: $0.08 left in Vanguard account
Replies: 43
Views: 3506

Re: $0.08 left in Vanguard account

I can see how that would result in 23 cents ($0.23), but not 0.23 cents ($0.0023) If you scroll up to original statement by me, you can see it is 0.23 not 0.0023, so I am not sure what your statement implies. Your original statement says: there is 0.23 cents 1 cent is $0.01, so 0.23 cents is $0.002...
by retire2022
Thu Jun 11, 2020 6:56 pm
Forum: Personal Investments
Topic: $0.08 left in Vanguard account
Replies: 43
Views: 3506

Re: $0.08 left in Vanguard account

ruud wrote:
Thu Jun 11, 2020 6:53 pm

I can see how that would result in 23 cents ($0.23), but not 0.23 cents ($0.0023)
If you scroll up to original statement by me, you can see it is 0.23 not 0.0023, so I am not sure what your statement implies.
by retire2022
Thu Jun 11, 2020 6:51 pm
Forum: Personal Investments
Topic: $0.08 left in Vanguard account
Replies: 43
Views: 3506

Re: $0.08 left in Vanguard account

Op i have this issue with my Roth Settlement account, there is 0.23 cents need a rally to sell so i can do a sweep. How did you manage to get a quarter of a cent in an account? Wouldn't 1 cent be the minimum? It is easy, deposit $7,000 in settlement account, buy an ETF and since Vanguard only allow...
by retire2022
Thu Jun 11, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: Are any market timers cashing out soon?
Replies: 74
Views: 7874

Re: Are any market timers cashing out soon?

This past rally has solidified that nobody knows less about the market than I do. I'm buy and hold (and buy some more) and will continue to do so. Anyone going to cash out or move into a more conservative allocation? I sold my Janus Global Technology D shares JNGTX, monday June 8, 2020, when it hit...
by retire2022
Thu Jun 11, 2020 10:23 am
Forum: Personal Investments
Topic: $0.08 left in Vanguard account
Replies: 43
Views: 3506

Re: $0.08 left in Vanguard account

sophienose wrote:
Thu Jun 11, 2020 9:29 am
retire2022 wrote:
Wed Jun 10, 2020 11:48 am
Op i have this issue with my Roth Settlement account, there is 0.23 cents need a rally to sell so i can do a sweep.
just take care not to spend it all in one place :beer
Roth account is expected to be drawn down last in the future, at least 10+ years.
by retire2022
Wed Jun 10, 2020 11:48 am
Forum: Personal Investments
Topic: $0.08 left in Vanguard account
Replies: 43
Views: 3506

Re: $0.08 left in Vanguard account

Op i have this issue with my Roth Settlement account, there is 0.23 cents need a rally to sell so i can do a sweep.
by retire2022
Sat Jun 06, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Letting go of actively managed funds
Replies: 15
Views: 1521

Re: Letting go of actively managed funds

Op I'd just transferred my inherited Traditional IRA as beneficiary in kind, TRowe Price Equity Income (PRFDX) ER 0.64 since my mother passed, and the transfer to Vanguard was easy. It took about two weeks but it just showed up. I wanted to wait for a few more days when market recovers then I will s...
by retire2022
Sat Jun 06, 2020 9:13 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 20668

Re: Markets back near all time highs - how are you feeling and path forward ?

I am feeling very irritated. I'm in the accumulation phase and my 401k contributions go in every month, which means with bear markets that last for a couple weeks, I never get stocks at cheaper valuations. These V recoveries are terrible for those of us that don't have the cash on hand to put a hug...
by retire2022
Sat Jun 06, 2020 9:08 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 20668

Re: Markets back near all time highs - how are you feeling and path forward ?

denovo wrote:
Sat Jun 06, 2020 5:04 am
Grt2bOutdoors wrote:
Fri Jun 05, 2020 8:36 pm
gwe67 wrote:
Fri Jun 05, 2020 7:50 pm
I was asleep for a few months. What did I miss?
Toilet paper shortage...... :D
My local Costco was still out of toilet paper.
Not mine in Long Island City Vernon Blvd location, they have stacks of the Kirkland brand (today) for 16.99 plus tax, albeit one per customer.
by retire2022
Wed May 20, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 60
Views: 4882

Re: what to do about 1000s of dandelions/weeds?

+1 My yard is a sea of dandelions, clover, creeping charlie, and (at the moment) trilliums. The bees and insects seem to enjoy it. So do the rabbits. The birds enjoy the insects. The hawks enjoy the birds and the rabbits, and so on and so forth. I won't mow for the first time for at least 2 more we...
by retire2022
Sun May 10, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3465

Re: Vanguard Technology Fund

abuss I'm 59.5 and have 16% VGT in my portfolio, it is the only fund which has been positive during Covid, other portfolio visualizer has VGT higher than VTI, it is a personal choice and a personal decision. VGT is an ETF it is the mutual fund VITAX which is the Admiral Shares which requires 100k mi...
by retire2022
Sat May 09, 2020 11:30 pm
Forum: Personal Investments
Topic: 50K to invest, Where to put it??
Replies: 13
Views: 1545

Re: 50K to invest, Where to put it??

Okay alot of people are against this, Why not build your army of dollars bills to work harder than sitting in my house saving me 3% interest. Let me know what you think. Thanks :sharebeer Unbrokenspark please read the cause of the Great Depression, borrowing on a depreciating asset is dangerous thi...
by retire2022
Sat May 09, 2020 6:20 pm
Forum: Personal Investments
Topic: Goal Reached - Now What?
Replies: 30
Views: 3401

Re: Goal Reached - Now What?

Op I'm 59.5 with 1.5 million portfolio and 2.1 million net worth, I have 34 years in and my projected pension is expected to be 66K a year which will include healthcare premiums paid out of my sick time. edit: I was originally going to leave my job end of April 2020, now I am targeting retirement De...
by retire2022
Sat May 09, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5422

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

What is your plan when you reach 89? My plan is make as many friends as possible many ages, different backgrounds. Btw my mom when she was younger ask me the same question, it is same answer to you. Hopefully if I survive this pass 59.5 with my 1.5 million portfolio at total 2.1million net worth, i...
by retire2022
Sat May 09, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5422

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

Really the only way out of the situation of being set aside in senescence is extraordinary fortune. The majority of us will just have to take our chances and hope for the best, and then take the ride. It would be wise to respect our children, and to be kind to those around us . Historically, useles...
by retire2022
Thu May 07, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: CARES Act 2019 or 2020?
Replies: 17
Views: 1032

Re: CARES Act 2019 or 2020?

Alan S see CNBC article this confirms what you have predicted, thanks very much PS Her SSA check and pension check was clawed back reverse direct deposit ACH, but the stimulus check has yet to show up, since she died March 28, 2020 before checks went out. https://www.cnbc.com/2020/05/07/the-irs-want...
by retire2022
Wed May 06, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9945

Re: How Do Early Retirees Pay for Medical

Op My state retirement system allows for my 1500 hours of sick time to fund healthcare premiums until Medicare at 65, or I could use the sick time until death (edit) As long as I'm vested as tier 4, 30 years at 55 full pension, and rolling off of payroll into retirement. People who have less than 30...
by retire2022
Sat May 02, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55949

Re: How to get Toilet Paper ? seriously.

all check out this somewhat funny 6.53 minute video of two stranded dudes in Florida, living out of a trailer RV making their own TP, a Vice news video

https://www.youtube.com/watch?v=7VSYTyjZW60
by retire2022
Mon Apr 27, 2020 2:18 pm
Forum: Personal Investments
Topic: Using 457 for emergency funds
Replies: 12
Views: 388

Re: Using 457 for emergency funds

OP see Forbes article https://www.forbes.com/advisor/retirement/cares-act-retirement-account-rules-covid-19/ The CARES Act allows eligible participants in certain tax-advantaged retirement plans — including 401(k)s, 403(b)s, 457s, and Traditional IRAs — to take an early distribution of up to $100,00...
by retire2022
Sun Apr 26, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: iPhone for Grandparents
Replies: 25
Views: 1590

Re: iPhone for Grandparents

maybe Straight-Talk: https://shop.straighttalk.com/shop/en/straighttalk/phones/f/brand_apple?ds_rl=1244644&gclid=CjwKCAjw4pT1BRBUEiwAm5QuR4HKOp3XBizRnqa7fVc3v4P-hPStsKYZ6eoDQX0D5c_dZPW3ZbL2lBoCgkQQAvD_BwE&gclsrc=aw.ds +1 OP I have Walmart's Iphone 6/6S Straight Talk for since 2017 using the Verizon...
by retire2022
Sun Apr 26, 2020 9:48 am
Forum: Personal Investments
Topic: Pros/Cons of Hiring an Advisor to optimize COVID-recovery
Replies: 19
Views: 1610

Re: Pros/Cons of Hiring an Advisor to optimize COVID-recovery

Op

If it means anything Vanguard and Fidelity investors did not flinch, stay the course.

Vanguard and Fidelity investors didn't flinch as the market tanked

https://money.yahoo.com/vanguard-and-fi ... 48314.html
by retire2022
Sat Apr 25, 2020 3:59 pm
Forum: Personal Investments
Topic: Pros/Cons of Hiring an Advisor to optimize COVID-recovery
Replies: 19
Views: 1610

Re: Pros/Cons of Hiring an Advisor to optimize COVID-recovery

Op Your future advisor won't be a soothsayer nor have a crystal ball, random walk, Burton Malkeil. With that said, I predict sectors funds, consumer staples, biotech, tech, long term treasuries (bonds) and VTI/VSTAX will be possible winners. Once the economy recovers, those sectors will change. I sa...
by retire2022
Sat Apr 25, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Tree Service Cost
Replies: 34
Views: 2261

Re: Tree Service Cost

I have chainsaws, hand saws, climbing gear, and do my own work in CA. The gear is far less than the exorbitant prices here. Worker’s compensation has a bit to do with our cost as well. Fortunately, I’ve got a background that allows me to do my own work. I have a small chipper too. I have an unmarri...
by retire2022
Fri Apr 24, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9749

Re: Best Covid19 resistant job

I've noticed a ton of people saying government in general. Do you all think those jobs will be safe? I'm not talking the personalities mentioned above, but more so reg government workers. In my city they have already announced massive cuts to city jobs, because of the loss of tax revenue. I'm NYS C...
by retire2022
Fri Apr 24, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Tree Service Cost
Replies: 34
Views: 2261

Re: Tree Service Cost

op

It cost me $1600 in upstate NY in 2016 to cut 9 trees wrapped around electrical line it was worth it.

more on this discussed previously

viewtopic.php?f=11&t=286228

viewtopic.php?f=11&t=280116
by retire2022
Fri Apr 24, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Mobile Deposits/ATM
Replies: 42
Views: 1638

Re: Mobile Deposits/ATM

Op

Just did three times with Citibank App, deposit went right in and seconds it was in pending and the cash was recognized in my checking account.
by retire2022
Wed Apr 22, 2020 6:17 pm
Forum: Personal Investments
Topic: 457b and the Risk of State Bankruptcy Question
Replies: 10
Views: 650

Re: 457b and the Risk of State Bankruptcy Question

Is it ERISA protected plan? https://www.irs.gov/retirement-plans/tax-exempt-457b-plans-key-characteristics-and-common-mistakes Tax-Exempt 457(b) Plans: Key Characteristics and Common Mistakes Eligible 457(b) plans maintained by state or local governments (governmental 457(b) plans) share many chara...
by retire2022
Wed Apr 22, 2020 6:11 pm
Forum: Personal Investments
Topic: Refinancing (My Rental Property) or other options to have the cash to max out my 457B
Replies: 4
Views: 305

Re: Refinancing (My Rental Property) or other options to have the cash to max out my 457B

Joetheelectrician I would get a second gig, or part time work, I assume you are an electrician, if that is case you definitely have marketable skills. If you have an second gig or established business, you could have a 401k and are allowed to contribute to 457b and Roth IRA as long as you are under ...
by retire2022
Wed Apr 22, 2020 4:35 pm
Forum: Personal Investments
Topic: 457b and the Risk of State Bankruptcy Question
Replies: 10
Views: 650

Re: 457b and the Risk of State Bankruptcy Question

Governmental 457(b)s are safe. Plan participants have individual accounts that are not impacted by the employer's finances. No need to do anything because of bankruptcy concerns. Nongovernmental 457(b)s are another matter entirely. Also, I don't believe that states can declare bankruptcy. +1 anonen...
by retire2022
Tue Apr 21, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55949

Re: How to get Toilet Paper ? seriously.

Good article on Charimin factory from npr

This Charmin Toilet Paper Factory Keeps Humming Amid Lockdown - https://www.npr.org/2020/04/20/83855740 ... kered-down
by retire2022
Sun Apr 19, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4360

Re: How to get Liquid Hand Soap? seriously.

Target has been great! They are even better for toilet paper. Just go there 20 minutes before they open. Tuesdays and Wednesdays are senior hours from 8 - 9 AM. Do not go Sunday. No truck delivers on those days. Otherwise been great. Awesome for sanitary wipes. Just one pack per person. However, I ...
by retire2022
Sat Apr 18, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: NY State Tax Return Status
Replies: 13
Views: 632

Re: NY State Tax Return Status

Edge215

I filed my 2019 taxes March 18 got the federal refund on Apri 1 and NYS Taxation April 15 two days ago, edit: as standard deduction.

As a NYS civil servant, the entire state workforce has been ordered by the Governor to work remotely. This could had been a cause for your delay.
by retire2022
Sat Apr 18, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4360

Re: How to get Liquid Hand Soap? seriously.

Weird that it's not available for you, I see a ton of it around, even at local dollar store and other grocery surplus outlets... as long as you're not picky about a specific brand/product. Do you see liquid dish soap around, or bar soaps.. can you just use those? Bar soap has bacteria, which is why...
by retire2022
Sat Apr 18, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4360

Re: How to get Liquid Hand Soap? seriously.

Dawn dish soap works fine. Carving off flakes from a bar of soap and mixing in water works fine. Pump soap has an interesting origin story because all those plungers had to be designed and manufactured. Note how much plastic waste is created by them. Before launching SoftSoap, Taylor had made a cru...
by retire2022
Sat Apr 18, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4360

Re: How to get Liquid Hand Soap? seriously.

I second lakpr

I brought two pack Softsoap 2x80 fluid oz or 160oz total

Got Costco Kirkland disinfectant wipes four 72 wipe packs

I brought one twelve rolls of Kirkland paper towels added to mix

Two pack 70% rubbing Alcohol
by retire2022
Sun Apr 12, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Citi website
Replies: 22
Views: 1585

Re: Citi website

Op

I use Firefox Mozilla without problems and use mobile app as well.

The other day their four branches of ATM rejected some bills i wanted to deposit and it ate one of my $20 bills.

Best of luck
by retire2022
Thu Apr 09, 2020 4:50 pm
Forum: Personal Investments
Topic: 457 b ?
Replies: 23
Views: 1302

Re: 457 b ?

retire1123 If you have beneficiaries, you maybe better off with retirement in Roth, nevertheless it is up to you I am 72% in Traditional 457 and 28% Roth IRA. It is matter of pay now small amount of tax or tax on your profits with Traditional 457/traditional IRA. Also do to your state pension, you m...
by retire2022
Mon Apr 06, 2020 7:45 pm
Forum: US Chapters
Topic: New York City Local Chapter established
Replies: 273
Views: 105758

Re: New York City Local Chapter established

neurosphere wrote:
Mon Apr 06, 2020 7:36 pm

Eager to hear more about your problems, so that we can troubleshoot for the next meeting.
Why not use Google Hangout, Skype or Whatapp?

The downloaded software did not bring up any usable prompts, I kept staring into blank screen. Was on PC Laptop, Windows 10.
by retire2022
Mon Apr 06, 2020 5:10 pm
Forum: US Chapters
Topic: New York City Local Chapter established
Replies: 273
Views: 105758

Re: New York City Local Chapter established

I just wanted to make sure everyone saw the Zoom link and password for tonight's meeting starting at 6pm: https://meetings.ringcentral.com/j/1482208886?pwd=MVQ4azFOTDBkcEZjTWsrMWFRYk9tZz09 Password: bh This is NOT working, I'd downloaded software, registered and this is really clunky and was not ab...
by retire2022
Sat Apr 04, 2020 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: CARES Act 2019 or 2020?
Replies: 17
Views: 1032

Re: CARES Act 2019 or 2020?

Ok I have a question, what happens to person who expires? My mother was 89 and was getting social security via direct deposit and had expired march 28,2020. Her income has not changed 13k per year. Is she still entitled? Death certificate has yet to be issued Anyone has thoughts? Complete rebate ha...
by retire2022
Sat Apr 04, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: CARES Act 2019 or 2020?
Replies: 17
Views: 1032

Re: CARES Act 2019 or 2020?

Ok I have a question, what happens to person who expires?

My mother was 89 and was getting social security via direct deposit and had expired march 28,2020.

Her income has not changed 13k per year.

Is she still entitled? Death certificate has yet to be issued

Anyone has thoughts?
by retire2022
Sun Mar 29, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14893

Re: Wife's oncologist has stopped treatment, is recommending hospice

My condolences to you and your family

My 89 year old mother passed away in her apt yesterday as well as far as we can tell from natural causes.

Take care
by retire2022
Thu Mar 26, 2020 8:46 am
Forum: Personal Investments
Topic: Bought Vanguard Total Stock market 2 weeks ago, now ready to sell, how do I do this?
Replies: 17
Views: 1460

Re: Bought Vanguard Total Stock market 2 weeks ago, now ready to sell, how do I do this?

Op While I have not done this personally, a friend of mine suggested their is an Exchange function where you could exchange VTSAX for VTI and then youcould sell VTI which will allow you for a preciser pricing. In the website it is my Account>buy Sell> invest with Vanguard mutual funds> Buy funds>sel...
by retire2022
Thu Mar 26, 2020 8:27 am
Forum: Personal Investments
Topic: Vanguard Removed Option to Open Mutual Fund Only Non Brokerage Account?
Replies: 24
Views: 1625

Re: Vanguard Removed Option to Open Mutual Fund Only Non Brokerage Account?

Sound like story of Sleepy Hollow, Ichabod Crane which he woke up and the world has changed.

The brokerage account option as Catlady put it been several years and it functions more or less the same way as MF only.
by retire2022
Wed Mar 25, 2020 6:37 pm
Forum: Personal Investments
Topic: Sell Tech to Buy Energy - Thoughts?
Replies: 19
Views: 1136

Re: Sell Tech to Buy Energy - Thoughts?

Plus Russian oil and OPEC dumping oil globally there is an oil commodity war

They are losing money

Currently USA is also global producers

Not sure why you are seeking dividends when they are over leveraged
by retire2022
Wed Mar 25, 2020 6:06 pm
Forum: Personal Investments
Topic: Sell Tech to Buy Energy - Thoughts?
Replies: 19
Views: 1136

Re: Sell Tech to Buy Energy - Thoughts?

Energy has been over leveraged

They are currently out of favor

VGT held up better than VTI

I had 15.6% of VGT now 16% because of pullback

Do a portfolio visualizer of all three including energy you shall see