Search found 4397 matches

by joe8d
Thu May 21, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6342

Re: Discarding Music CDs

Any Music I want is on You Tube.
by joe8d
Mon May 11, 2020 9:32 pm
Forum: Investing - Theory, News & General
Topic: Reacting to low interest rates
Replies: 80
Views: 5944

Re: Reacting to low interest rates

Unfortunately,for us that want interest on our savings,this Pandemic will cause rates to be at the bottom to accommodate credit borrowers that will needed to restart the economy.
by joe8d
Sun May 10, 2020 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Medicare viability and planning for potential reduced benefits
Replies: 8
Views: 965

Re: Social Security Medicare viability and planning for potential reduced benefits

My guess is this sort of hypothetical discussion isn't really allowed on this forum. The way the system was established was as a sort of insurance benefit, not a needs based system. An insurer shouldn't be allowed to change the coverage after you've paid the premiums. The term "Third rail of politi...
by joe8d
Thu Apr 30, 2020 8:47 pm
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 2985

Re: Are gamblers using the market now that casinos are closed?

In NY,they cash their Stimulus check and buy Lotto tickets :(
by joe8d
Thu Apr 30, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5434
Views: 1349585

Re: What Movie Have You Recently Watched?

" Peanut Butter Falcon". A heart warming story.
by joe8d
Tue Apr 28, 2020 9:27 pm
Forum: Personal Investments
Topic: RMDs
Replies: 13
Views: 868

Re: RMDs

"The RMD holiday is a gift to people who don't need income from their tIRA to live on."

Yes.
by joe8d
Sun Apr 26, 2020 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes, RMD, and COVID-19 Relief (CARES) Act
Replies: 5
Views: 361

Re: Estimated Taxes, RMD, and COVID-19 Relief (CARES) Act

My RMD for 2020 would have been about a third of my total income for this year.I just reduced my ES tax payments by a third. My Personal Opinion is that everything is so screwed up by this Pandemic that they won't be penalizing anything.
by joe8d
Sun Apr 19, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10156

Re: Laid off!!

Sorry to hear, OP. As an engineer in embedded software your skills will get you through. 1. It is highly likely that signing the severance agreement is in your best interest. Call HR or your boss tomorrow and ask to arrange to come in and sign. Try hard to be friendly and accommodating. A lawsuit i...
by joe8d
Sun Apr 12, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment vs. work at Amazon warehouse/CA
Replies: 84
Views: 5870

Re: Unemployment vs. work at Amazon warehouse/CA

This is what was mentioned that people would be incentivized to not work. However I am on the side of it selfishly if it’s me or my family. 1.) I’ve heard Amazon is an absolutely horrible place to work. 2.) she makes more money NOT working there 3.) she stays isolated without the threat of infectio...
by joe8d
Sat Apr 11, 2020 10:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5434
Views: 1349585

Re: What Movie Have You Recently Watched?

Roma and Peanut Butter Falcon. Both very good.
by joe8d
Sun Apr 05, 2020 11:44 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

Well,I guess I'll have to take up the violin.
by joe8d
Fri Apr 03, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: confused about stimulus check
Replies: 27
Views: 2240

Re: confused about stimulus check

As a SS Recipient with RMD 's, I will still get a portion of the stimulus. I'll be honest in saying I should not be getting anything.The debt this going to incur for the future generation will be astronomical. Joe, I agree with your sentiments. Our SS will be steady, my withdrawal covering the rest...
by joe8d
Thu Apr 02, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: confused about stimulus check
Replies: 27
Views: 2240

Re: confused about stimulus check

As a SS Recipient with RMD 's, I will still get a portion of the stimulus. I'll be honest in saying I should not be getting anything.The debt this going to incur for the future generation will be astronomical.
by joe8d
Fri Mar 27, 2020 10:08 pm
Forum: Investing - Theory, News & General
Topic: 90% of individual investors at Vanguard are staying the course
Replies: 48
Views: 4943

Re: 90% of individual investors at Vanguard are staying the course

Actually,I bought some STIG bonds and NYLT bonds this week.
by joe8d
Tue Mar 24, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55521

Re: How to get Toilet Paper ? seriously.

Guy on the corner today was selling " loosies" for a penny a sheet.
by joe8d
Thu Mar 19, 2020 10:56 pm
Forum: Personal Consumer Issues
Topic: Census 2020 question
Replies: 27
Views: 2448

Re: Census 2020 question

What's the big deal? I did my census form and BTW, my name and phone number is listed in the phone book.
by joe8d
Tue Mar 17, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55521

Re: How to get Toilet Paper ? seriously.

The local joke in these parts is people are using their CVS receipts. (CVS is known for producing a 3 foot long cash register receipt for a single item purchase). On the other hand, its only about 3" wide and not very soft :happy I've notice that the " free" newspapers that are offered at supermark...
by joe8d
Tue Mar 17, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: do people TLH even if there is no loss but it’s close?
Replies: 9
Views: 570

Re: do people TLH even if there is no loss but it’s close?

There is no point in selling just for tax reasons unless you have a loss. However, there may be other reasons to sell for a small gain. If you want to switch funds anyway, a large gain might deter you from switching, while a small gain makes switching worthwhile. Similarly, if you want to do someth...
by joe8d
Thu Feb 20, 2020 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: As of 2/20, has Vanguard released all 2019 tax documents?
Replies: 7
Views: 878

Re: As of 2/20, has Vanguard released all 2019 tax documents?

Have non VG funds in Brokerage account.I'm still waiting for that.
by joe8d
Thu Feb 13, 2020 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I find a different job with a better commute?
Replies: 50
Views: 3472

Re: Should I find a different job with a better commute?

To those who do 1-2 hour commutes,what kind of shape are you in to start your workday? twenty minutes is the maximum travel time I can put up with.
by joe8d
Wed Feb 12, 2020 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I find a different job with a better commute?
Replies: 50
Views: 3472

Re: Should I find a different job with a better commute?

Quick version: Last year, I earned $160,000 with a mechanical enginerering degree and 10 years experience. This is likely considered well compensated for my educational background and career choice. In addition to the compensation, I am accuring a pension, healthy retirement benefits, and healthy e...
by joe8d
Fri Feb 07, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3590

Re: New Grad with fashion design degree looking for job in that field

slick_dealer_05 wrote:
Fri Feb 07, 2020 8:57 am
Fashion design degree wont get her anywhere...but I guess u knew it 4 years back.
Unfortunately true.A job at Target is probably the end result.
by joe8d
Thu Jan 23, 2020 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Making funeral arrangements? Consider "pre-need" insurance
Replies: 35
Views: 4025

Re: Making funeral arrangements? Consider "pre-need" insurance

I would recommend Pre-planning of a funeral, which I just did for myself, but not prepaying. BTW, the the prices are locked in.
by joe8d
Wed Jan 22, 2020 8:20 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26557

Re: Sad news: LadyGeek's husband has passed

Sad for you.
by joe8d
Sat Jan 18, 2020 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16857

Re: Why retire?

For many retirement is involuntary.My regular employment ended at 61.5 due to company relocation. I still work P/T now at 77.
by joe8d
Thu Jan 16, 2020 9:46 pm
Forum: Personal Investments
Topic: 30/70 in Accumulation Phase?
Replies: 80
Views: 8043

Re: 30/70 in Accumulation Phase?

For retirement money,100% stock.The no interest rate environment is designed to drive up stocks in this election year.
by joe8d
Fri Jan 10, 2020 10:41 pm
Forum: Personal Investments
Topic: My EE Bonds have just reached face value.
Replies: 7
Views: 1144

My EE Bonds have just reached face value.

I bought 15K worth of EE Savings Bonds in Jan 2003 and just realized they just reached face value 30K :D
by joe8d
Wed Jan 08, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: Cosmetology School vs Traditional College
Replies: 99
Views: 6107

Re: Cosmetology School vs Traditional College

Many Liberal Arts Majors go on to be Barbers and Bartenders.
by joe8d
Wed Jan 08, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5434
Views: 1349585

Re: What Movie Have You Recently Watched?

The Farewell.
In Chinese with subtitles. Enjoyed it very much.
by joe8d
Fri Jan 03, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Drops Agreement Not to Compete With TurboTax
Replies: 82
Views: 9871

Re: IRS Drops Agreement Not to Compete With TurboTax

my state insists that if you efile federal, you must efile state, too. They don't provide their own fillable forms, though. You have to use commercial SW to efile. They have an approved list of free SW, but it changes from year to year. You also have to start thru the free file links on the state t...
by joe8d
Thu Dec 19, 2019 10:25 pm
Forum: Investing - Theory, News & General
Topic: You’re never going to make enough money if you have 40% of your money in bonds
Replies: 186
Views: 17288

Re: You’re never going to make enough money if you have 40% of your money in bonds

Given today's low interest rate environment,I think Retirement money should all be in Equity.
by joe8d
Mon Nov 25, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 421
Views: 30741

Re: Retirement Friendly States

States with no state income taxes: Washington, Nevada, Texas, Wyoming, South Dakota, Florida and Alaska People primarily on SS may not pay any income taxes, State or Fed.No state tax states may benefit high income working individuals who feel they will come ahead after paying for private schools et...
by joe8d
Mon Nov 25, 2019 12:41 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88430

Re: Found hidden safe, should we crack?

Call local Parole board. Find out the safe crackers that just got out. Hire them.
by joe8d
Fri Nov 22, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: What to do with my Dad's Toy Soldier Collection?
Replies: 26
Views: 3813

Re: What to do with my Dad's Toy Soldier Collection?

Have you checked with the dealer who bought the first box for possible buyers? I imagine there are collectors out there who would love to have them. Try googling to see if you can find some. Alternately, there are probably some museums that would love to take them off your hands. Don't scrap them. ...
by joe8d
Fri Nov 22, 2019 10:45 pm
Forum: Investing - Theory, News & General
Topic: Latest on transition to new investment platform - Vanguard
Replies: 35
Views: 3086

Re: Latest on transition to new investment platform - Vanguard

I converted just recently to have all my holdings in one place ( VG funds, outside funds, IRA and Roth) to make things easier for my Executor.
by joe8d
Sat Nov 09, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 8537

Re: Do you charge your employer for the time that you spend working on your off days?

MathIsMyWayr wrote:
Fri Nov 08, 2019 11:13 pm
If you are an exempt employee, there is not much for you to do about it.
Sadly, yes.
by joe8d
Fri Nov 08, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20885

Re: Vanguard brokerage account transition

With the old statements, they were, indeed, year-to-date so you could toss the previus statements and end up with one December statement that covered all the transactions for the year. Are you still using paper statements? Most certainly. When systems crash and I need proof, paper is king. :thumbsu...
by joe8d
Tue Nov 05, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4872

Re: Weddings - The good? The bad?

The best weddings I've been to, have been the Fire Hall/Buffet kind.
by joe8d
Fri Nov 01, 2019 8:27 pm
Forum: Personal Investments
Topic: Do you consider pensions as part of your overall asset allocation?
Replies: 67
Views: 5634

Re: Do you consider pensions as part of your overall asset allocation?

No. Pensions, SS and my case P/T job earnings are my " Retirement Income Sources ".
by joe8d
Fri Oct 11, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need help !!! US or Canadian universities?
Replies: 56
Views: 4013

Re: Need help !!! US or Canadian universities?

One more consideration... If given the choice 15 years from now would your son choose a state university degree and financially independent parents or an ivy league degree and supporting his parents in their "retirement"? I know which I would choose and which I'll provide for my child. :thumbsup
by joe8d
Sat Oct 05, 2019 10:48 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 7142

Re: Social Security Card as Identification for Real ID

I just got my Real ID NYS Licence. Had to show current licence, original birth certificate,original SS card and current utility bill. BTY, that licence employs Facial Recognition Technology.
by joe8d
Tue Oct 01, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: What work to expect in an hour from construction
Replies: 14
Views: 1601

Re: What work to expect in an hour from construction

All These job sites have half the guys talking or texting on their cell phones :(
by joe8d
Tue Oct 01, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 66
Views: 5316

Re: How did your Windows 10 upgrade go?

Just ordered a new computer with Windows 10.
by joe8d
Mon Sep 30, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: Long Term Bond Funds from age 70 to 80?
Replies: 12
Views: 1544

Re: Long Term Bond Funds from age 70 to 80?

At age 77,I don't even buy green bananas.
by joe8d
Tue Sep 10, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Financial Literacy Certification?
Replies: 18
Views: 2528

Re: Boglehead Financial Literacy Certification?

David Jay wrote:
Mon Sep 09, 2019 10:49 pm
joe8d wrote:
Mon Sep 09, 2019 8:05 pm
I've been doing these things myself even to the point writing my own Obit.
Turns out you really were a great scholar, athlete, executive, philanthropist and statesman. :happy
And "The Richest Man in Graveyard"
by joe8d
Mon Sep 09, 2019 8:05 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Financial Literacy Certification?
Replies: 18
Views: 2528

Re: Boglehead Financial Literacy Certification?

The real test and certification has two parts; one when you retire and the other when you pass away. Yes, Part 2. More attention needed to deal with your end of life and final wishes planning: Will Health Care Proxy POA List of assets and location ACH Bill paying setups Funeral Pre-plan and many ot...
by joe8d
Mon Sep 02, 2019 10:14 pm
Forum: Personal Investments
Topic: 100% asset allocation in single stock, want to sell and put in 3 fund portfolio
Replies: 12
Views: 1634

Re: 100% asset allocation in single stock, want to sell and put in 3 fund portfolio

Apple ? You just might want to keep it. Do indexing with new money.