Search found 4340 matches

by joe8d
Mon Jul 15, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 176
Views: 6621

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: 139
Views: 6498

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: 68
Views: 7675

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: 5488

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: 4594
Views: 1182045

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: 151
Views: 7786

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: 4594
Views: 1182045

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: 3402

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: 2738

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: 1895

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: 10143

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: 773
Views: 85417

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: 7247

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: 4999

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: 1398

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: 16534

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: 2023

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: 548

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: 221
Views: 12785

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: 221
Views: 12785

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: 325

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: 27
Views: 1957

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: 1919

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: 768

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: 28396

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: 4594
Views: 1182045

Re: What Movie Have You Recently Watched?

"The Mule' and "Green Book". Both recommended.
by joe8d
Wed Apr 24, 2019 10:17 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 420
Views: 89544

Re: "Vanguard converting mutual fund accounts to brokerage?

Can Outside Mutual Funds being Transferred "In Kind" to a Vanguard Brokerage account? Thanks for any replies. Depends on the fund. There are some proprietary funds that cannot be held outside of the fund company that runs them (I don't know any of them off the top of my head but I know they exist)....
by joe8d
Wed Apr 24, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 420
Views: 89544

Re: "Vanguard converting mutual fund accounts to brokerage?

Can Outside Mutual Funds being Transferred "In Kind" to a Vanguard Brokerage account? Thanks for any replies.
by joe8d
Mon Apr 22, 2019 8:16 pm
Forum: Personal Investments
Topic: Short Term Bond Index vs. Prime Money Market
Replies: 30
Views: 3503

Re: Short Term Bond Index vs. Prime Money Market

I use the Short Term Investment Grade Bond Fund.I use Index for Stocks,VG Active for bonds.
by joe8d
Thu Apr 18, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3843

Re: Windows 7 end of support - Jan 14, 2020

samsoes wrote:
Thu Apr 18, 2019 9:22 am
To borrow a phrase, "they'll have to pry Windows 7 out of my cold, dead hands."

Windows 10 is an abomination.
:thumbsup
by joe8d
Tue Apr 02, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16849

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

Most people's retirement savings plan probably doesn't include this but it probably should. This affects things like savings rate, portfolio allocation, planned retirement date, etc. A recent study by the Urban Institute and Propublica found that over half of workers over the age of 50 will at some...
by joe8d
Fri Mar 22, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4594
Views: 1182045

Re: What Movie Have You Recently Watched?

Cold War (2018) Slow, subtle love story against the backdrop of a dreary communist Poland. Time frame is 1949-1960s with the black and white motif working perfectly for this film. Lots of twists and turns and a brief change of setting, via Paris, livens things up just a little. I liked this movie b...
by joe8d
Sun Mar 17, 2019 9:55 pm
Forum: Personal Investments
Topic: Vanguard: "Your Account Needs to be Transitioned"
Replies: 27
Views: 4785

Re: Vanguard: "Your Account Needs to be Transitioned"

telemark wrote:
Sun Mar 17, 2019 8:52 pm
This is a new and peculiar use of the word need, meaning roughly that Vanguard really really wants all its customers to use brokerage accounts. I have been ignoring this for several years now, with no consequences other than having to click through yet another plea when I sign in.
Same here.
by joe8d
Thu Feb 28, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 627
Views: 55436

Re: Discontinuing VanguardAdvantage Accounts

Jack FFR1846 wrote:
Thu Feb 28, 2019 10:43 am
Don't most places receiving payments have some kind of auto payment available? Although about 20 payments are done automatically for me, zero are pushed from my home base. I guess it's why I've never seen value in "bill pay" services.
Same.
by joe8d
Tue Feb 26, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 11887

Re: Why Working as a Senior Male is Wise...

Seniors working at semi-menial jobs is very common. From Walmart greeters and cashiers to elderly baggers, cashiers and stock boys in supermarkets. As well as cleaners in malls, etc., etc. I don't think any of these folks would be doing those jobs if they had the money to afford living or there was...
by joe8d
Mon Feb 25, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 7535

Re: Who does their own taxes?

I've always done my own taxes. Did them by hand until late 1990s. Typed out the IRS' PDF forms and printed and mailed until about 2004. Used Turbo Tax from then until maybe 2012, then switched to TaxAct because they were cheaper. Now that TaxAct has raised their prices, I'm planning to try FreeTaxU...
by joe8d
Mon Feb 25, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 7535

Re: Who does their own taxes?

Cloud wrote:
Sun Feb 24, 2019 6:29 pm
I use and suggest FreeTaxUSA.....

https://www.freetaxusa.com

This was my 3rd year using it and I really like it.
Same here.
by joe8d
Mon Feb 25, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 11887

Re: Why Working as a Senior Male is Wise...

Retired in 2004 and since I don't fish, got a P/T job at the library which I continue to enjoy doing.
by joe8d
Sun Feb 24, 2019 11:53 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4594
Views: 1182045

Re: What Movie Have You Recently Watched?

"Ed Wood". Real off beat.
by joe8d
Sat Feb 23, 2019 11:53 pm
Forum: Personal Investments
Topic: No emergency fund?
Replies: 51
Views: 3914

Re: No emergency fund?

Apparently,this was the case with many Fed workers recently : :(
by joe8d
Wed Feb 13, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fast turnaround on Federal Tax
Replies: 40
Views: 3717

Re: Fast turnaround on Federal Tax

True Bogleheads do not get Tax Refunds.
by joe8d
Thu Feb 07, 2019 7:57 pm
Forum: Personal Investments
Topic: What do you use for your bond exposure?
Replies: 47
Views: 3323

Re: What do you use for your bond exposure?

Short Term Investment Grade.
by joe8d
Thu Feb 07, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone planning on using TurboTax Basic for 2018 taxes?
Replies: 12
Views: 1209

Re: Is anyone planning on using TurboTax Basic for 2018 taxes?

joe8d wrote:
Mon Feb 04, 2019 8:10 pm
It does not support the foreign tax credit.
Sorry, I meant the Free Version.