Search found 4361 matches

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: 7402

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: 81
Views: 9205

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: 4177

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: 5043

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: 3439

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: 6127

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: 1469

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: 60
Views: 3965

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: 1367

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: 2310

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: 2310

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: 1585

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.
by joe8d
Mon Aug 26, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Death in family (not sure how to proceed)...
Replies: 30
Views: 5410

Re: Death in family (not sure how to proceed)...

For what it's worth:

I have not only a current Will, POA and Heath Care Proxy, but also a List of assets,where things are located etc and just added a Funeral Preplan. All accessible by my executor.
by joe8d
Thu Aug 15, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4810

Re: Brown Bag Lunch Ideas

Sandwich and a piece of fruit.That was my standard fare during regular work career.
by joe8d
Wed Aug 14, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 10198

Re: Breakfast Menu After Retirement

McDonald's serves breakfast ALL DAY LONG which is ideal for retirees and those on the dole.
by joe8d
Sun Jul 28, 2019 10:25 pm
Forum: Forum Issues and Administration
Topic: Why is the forum blue?
Replies: 17
Views: 3697

Re: Why is the forum blue?

Blue is my favorite color
by joe8d
Fri Jul 19, 2019 8:57 pm
Forum: Personal Investments
Topic: Why keep low-interest I Bonds?
Replies: 24
Views: 3032

Re: Why keep low-interest I Bonds?

I have $5000 I-Bonds issued 4-03 with 1.6 fixed.
I also have $15000 face value EE Bonds issued 1-03. They will double on 1-20.

I didn't do bad with those.
by joe8d
Mon Jul 15, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 199
Views: 10214

Re: Medigap vs Advantage: Which did you select?

Advantage.WNY Independent Health Plan.Been on for 12 years now.
by joe8d
Sat Jul 13, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 8411

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Some thoughts: Your education taught you to think and do many things other than the specific subject $24/hr and PAID OT is probably great in a LCOL area ( Fed min wage state? ) Explore other Opportunities in your current company as there be some new technology coming that they will have you trained ...
by joe8d
Fri Jul 12, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: Retired: Do you withdraw from investments or cash ?
Replies: 74
Views: 9577

Re: Retired: Do you withdraw from investments or cash ?

77 and still have not used any savings and in fact have added to them.
by joe8d
Thu Jul 11, 2019 7:46 pm
Forum: Investing - Theory, News & General
Topic: Three most important elements of investment success
Replies: 67
Views: 6693

Re: Three most important elements of investment success

Complexity is the mother of simplicity. The more I read on Bogleheads about the optimal blend of 37 different factors in a portfolio, the more I'm reminded that none of that matters to your success. The three key elements of investment success are: 1) Spend below your means and save the excess. 2) ...
by joe8d
Tue Jul 09, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244894

Re: What Movie Have You Recently Watched?

Delete Never heard of that one.What's it about? Duuuudddeee....Where ya been? :confused It's a Marvel (2019) animated action-docu-comeddrama. Think: Mashup of "Avengers" meets "Big Bang Theory" meets "Jack Bogle" meets "normal people like us". That last one's to be taken at face value, btw - not a ...
by joe8d
Tue Jul 09, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10182

Re: Who cuts your hair? And for how much?

Since my Barber retired last year,It's been Great Clips.They do a good job. $12 ( senior )+ $3 tip.
by joe8d
Mon Jul 08, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244894

Re: What Movie Have You Recently Watched?

SoAnyway wrote:
Sun Jul 07, 2019 12:40 am
Delete
Never heard of that one.What's it about?
by joe8d
Wed Jun 26, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3877

Re: Pickleball Paddle recommendation?

Wish I could play, but have a balance problem.
by joe8d
Wed Jun 19, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to estimate taxes during retirement?
Replies: 39
Views: 3006

Re: How to estimate taxes during retirement?

I Just pay the amount of taxes I paid last year in 4 equal installments.
by joe8d
Mon Jun 17, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bank won't give Medallion Signature Guarantee for anything related to savings bonds
Replies: 17
Views: 2155

Re: Bank won't give Medallion Signature Guarantee for anything related to savings bonds

I just had to go to the bank regarding my cashing in of HH Bonds. I had to download a form from the Treasury, fill it out and and take it to the bank, sign in their presence and have them affix a BOND STAMP ( not Medallion) to the form.
by joe8d
Mon Jun 17, 2019 7:56 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 110
Views: 10984

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

Taylor Larimore wrote:
Mon Jun 17, 2019 2:26 pm
glass3:

In my latest book, The Bogleheads' Guide to the Three-Fund Portfolio, I recommend a 20% international allocation for U.S. investors. You can read why here:

How Much International?
A Suggestion


Best wishes.
Taylor
:thumbsup
by joe8d
Wed Jun 12, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 146471

Re: Fidelity as a one stop shop

Can an Ally Bank Savings account be moved to a Vanguard Brokerage Account?
by joe8d
Mon Jun 10, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 73
Views: 7626

Re: Anything you wish you had spent money on when you were younger?

I saved way too much for retirement.That's all I say.
by joe8d
Sun Jun 09, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5345

Re: Gillette Fusion razors

Always go with the newest Gillette razor.The" Skin Sensitive "will be next.
by joe8d
Mon Jun 03, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Confirm my Understanding of Estimated Taxes
Replies: 15
Views: 1490

Re: Confirm my Understanding of Estimated Taxes

Ybsybs wrote:
Mon Jun 03, 2019 1:31 pm
I go for withholding 100% of what was owed last year. You can know for sure what was owed last year. This year's income and resulting taxes can surprise you.
Yes :thumbsup
by joe8d
Wed May 29, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17626

Re: Fun paid jobs after FIRE

Going on 13 years working the desk P/T at the local public library. Love it.
by joe8d
Wed May 22, 2019 9:24 pm
Forum: Personal Investments
Topic: Should I rollover my 401k from old megacorp to new megacorp?
Replies: 36
Views: 2171

Re: Should I rollover my 401k from old megacorp to new megacorp?

One of the biggest problems with this is the time it takes to liquidate the funds, get a check from the old 401k custodian, send it to the new 401k custodian, have it deposited, and invested. This is a process that can take weeks or more. During that time, you will be uninvested. The market can mov...
by joe8d
Tue May 21, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Guanteed check from Vanguard?
Replies: 2
Views: 601

Re: Guanteed check from Vanguard?

Does Vanguard issue anything like a cashier's or certified check on one of its money market accounts? I need a "guaranteed" check to pay for a car. I think I need to transfer funds to my bank and then ask them to do the guaranteed check. But I'm hoping I'm wrong and Vanguard provides such a service...
by joe8d
Mon May 20, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 14547

Re: Should I encourage my kids to work in high school/college?

I actually told my son to stop working during the high school year. He was in a sport (track) that had fall, winter and spring seasons. He had a total of about 3 weeks where he did not have to practice during the school year. Typical day was practice from 3 to 5:15. Get home, take shower, eat dinne...
by joe8d
Mon May 20, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 14547

Re: Should I encourage my kids to work in high school/college?

mortfree wrote:
Mon May 20, 2019 2:10 pm
Summer jobs are good enough if they have transportation.

Otherwise their job right now is to be a kid and do well in school.

If that doesn’t fit their personalities then maybe they can start working now.
:thumbsup Great advice.
by joe8d
Sun May 12, 2019 10:11 pm
Forum: Personal Investments
Topic: Interest rates on fixed account
Replies: 3
Views: 353

Re: Interest rates on fixed account

Online Banks should have the best rates.
by joe8d
Fri May 10, 2019 7:53 pm
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 34
Views: 3125

Re: Calling all Western NY Bogleheads

Maid of the Mist wrote:
Sun Apr 14, 2019 6:18 pm
Tomorrow, I will check with the libraries in N Tonawanda, Tonawanda, and Amherst and see if I can reserve a room.

M of the M
You can get a room at my library,Eggertsville Snyder.
by joe8d
Mon May 06, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Will vs POD?
Replies: 16
Views: 2067

Re: Will vs POD?

I will say this. While probate is a pain. If you want to be buried in a nice place make sure you have that planned and sufficient assets in the probate estate to pay for it. All pod are their funds and while technically can be pulled back for debts its unlikely to happen. Please do NOT put charitie...
by joe8d
Tue Apr 30, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Designations, Will, and Estate Planning
Replies: 9
Views: 861

Re: Beneficiary Designations, Will, and Estate Planning

Beneficiary designations on financial accounts take precedence over anything you might say in a will or a trust. Financial accounts with beneficiary designations can be passed to survivors without any probate action whatsoever. There is generally no issue as long as the beneficiary is of legal age....
by joe8d
Tue Apr 30, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30300

Re: 20 countries where 200K in retirement savings will last you decades

# 10 on the list is the Philippines. Having just returned from a 5 week stay there I was wondering if it would be on this list. The Phils seems to be popular among certain expats, and I thought it might be representative of the countries in such a list. Let me tell you, life there is HARD . Whether...
by joe8d
Sat Apr 27, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244894

Re: What Movie Have You Recently Watched?

"The Mule' and "Green Book". Both recommended.