Search found 4521 matches

by joe8d
Mon Jan 22, 2024 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Ira Distribution Code wrong?
Replies: 7
Views: 713

Re: Roth Ira Distribution Code wrong?

What did you invest in?
by joe8d
Mon Jan 22, 2024 10:03 pm
Forum: US Chapters
Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Replies: 429
Views: 41898

Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂

Happy 100th Birthday to Taylor :sharebeer .
by joe8d
Wed Nov 15, 2023 11:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

" Past Lives". Watched on Library DVD. Excellent story line, acting and a heartfelt ending. if a movie gets you emotionally involved, it's done its job. This does.
by joe8d
Wed Sep 13, 2023 9:34 pm
Forum: Investing - Theory, News & General
Topic: Single fund 80% US, 20% International?
Replies: 23
Views: 3048

Re: Single fund 80% US, 20% International?

80/20 is my preference too, but you would need 2 funds to do it.
by joe8d
Thu Jun 29, 2023 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should we pay $70-$90k private school tuition for next 12 years
Replies: 183
Views: 19343

Re: Should we pay $70-$90k private school tuition for next 12 years

WAROB wrote: Mon Jun 12, 2023 11:13 am Why not try public school for a few years and see how well they take to it and how happy you are with the experience? You can always switch later and may be pleasantly surprised. It’s easy to write off the schools as “bad” without actually going through the process and supplementing the experience with at home help and learning.
Yes, especially in the early grades. Reading is the most important thing.
by joe8d
Wed Jun 14, 2023 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Dad dropped this on me today... he's headed back to work
Replies: 31
Views: 5409

Re: Retired Dad dropped this on me today... he's headed back to work

livesoft wrote: Wed Jun 14, 2023 5:01 pm Maybe it's not about the money.
Yes, I'm going on 81 work P/T just to keep active. Don't need the money.
by joe8d
Tue May 09, 2023 9:15 pm
Forum: Personal Consumer Issues
Topic: Help my niece choose a marketable college major
Replies: 173
Views: 14088

Re: Help my niece choose a marketable college major

Just using my own experience, I really enjoyed the Psychology courses, as they overlapped with Management courses. By the time I finally graduated at the age of 27, I was taking a Bachelor's degree program in a non-traditional program for adults. I was required to document my experiences and competencies in the work force and write a paper based upon the experiences. It was a 70 or so page paper. That was the "Capstone course" for the adult degree. I had to concentrate on three areas or so. I chose Psychology, Business Communications and Business Management. Right after college I became a restaurant manager for 8.5 years and then found my niche as a teacher, in an alternative certification program. If I had it to do over again in...
by joe8d
Fri May 05, 2023 8:20 pm
Forum: Personal Consumer Issues
Topic: Help my niece choose a marketable college major
Replies: 173
Views: 14088

Re: Help my niece choose a marketable college major

Some observations: 1. Vocational training is way underrated. 2. Colleges admit too many students in non-marketable majors because a sizeable portion of the student body does not have the aptitude or interest for hard sciences, engineering, etc. 3. There are far more students with liberal arts degrees than there are job openings for them in professional careers. 4. A liberal arts degree from a top ranked school (Ivy, etc) goes a lot further in the job market than similar degrees from other schools because a student at a top school has already proven they are smart (others' perception, not always true). A liberal arts major from a state school is a dime a dozen. 5. Start with a career and work backwards to a major. 6. The primary purpose of ...
by joe8d
Thu May 04, 2023 9:29 pm
Forum: Personal Consumer Issues
Topic: Help my niece choose a marketable college major
Replies: 173
Views: 14088

Re: Help my niece choose a marketable college major

Glockenspiel wrote: Thu May 04, 2023 10:27 am
CascadiaSoonish wrote: Thu May 04, 2023 10:15 am
KlangFool wrote: Thu May 04, 2023 9:00 am OP,

Any other major is better than psychology.

KlangFool
Hard disagree. Understanding how the mind works is arguably going to be very marketable as automation and AI/ML creeps into every corner of business.
The VAST majority of people with only a bachelor's degree in psychology NEVER work in that field. Psychology majors are the people with $40k in college debt, who are working at Starbucks.
:thumbsup Had a neighbor that earned a master's in psychology and ended up working as a waitress in a gambling casino.
by joe8d
Mon Apr 24, 2023 10:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

A Man Called Otto. Tom Hanks great as usual. Excellent movie.
by joe8d
Mon Apr 10, 2023 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: In what career are you using your Economics degree?
Replies: 74
Views: 7225

Re: In what career are you using your Economics degree?

I would suspect that many with Econ Degrees would have a Barista Career at Starbucks. Take a MARKETABLE Major.
by joe8d
Wed Apr 05, 2023 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: free tax prep simple return
Replies: 42
Views: 2747

Re: free tax prep simple return

Free Tax USA is great. I use it every year.
by joe8d
Thu Mar 30, 2023 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move to a state with no income tax to save on taxes?
Replies: 220
Views: 21491

Re: Should I move to a state with no income tax to save on taxes?

cchrissyy wrote: Wed Mar 15, 2023 8:38 pm I've never understood moving to save income taxes by the exact people who make so much the taxes can't impact their lifestyle.
Live wherever you like! You can afford it.
:thumbsup Yes, living in a third world state or country just doesn't makes sense.
by joe8d
Fri Mar 17, 2023 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move to a state with no income tax to save on taxes?
Replies: 220
Views: 21491

Re: Should I move to a state with no income tax to save on taxes?

States with no income tax need to get revenue somehow, if those affect you the savings may not be as much as you think. Property, sales, gasoline taxes are common. If you’re renting and not commuting maybe it doesn’t impact you much. +1. This is worth thinking about. How do the states without state income tax pay for the things the other states spend their income tax on? Without a state income tax, they probably have higher property tax, sales tax, gas tax, taxes on utilities and phone service, toll roads, library patron fees to check out books…. Everything has to be paid for somehow or it won’t exist. No money to re-pave the road? OK, you get dirt paths. Not much spent on schools? OK, you’ll have mediocre schools with no enrichment and la...
by joe8d
Mon Mar 06, 2023 8:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

Kagord wrote: Mon Mar 06, 2023 5:18 am Next up from the library DVD queue...

Emily the Criminal (2022), Aubrey Plaza

Dark, someone on hard times who just can't get ahead in life because of the past. Well made Sundance selection, it held dw's and my attention, 7/10.
:thumbsup
by joe8d
Fri Mar 03, 2023 10:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

" Bunny King", a movie from NZ. Excellent acting, heart tuger, worth watching.
by joe8d
Mon Feb 13, 2023 8:45 pm
Forum: Personal Investments
Topic: [Friend missing a] 401K check issued by Fidelity
Replies: 40
Views: 5073

Re: Lost my 401K check issued by Fidelity

ClassII wrote: Mon Feb 13, 2023 8:06 pm Besides the fact that we still use wildly unsecure paper checks at all, I find it ponderous that 401k rollovers are done via paper checks through the mail. Whether it's $5k or $5m. It's wild.
The issuing company gets to use your money longer.
by joe8d
Tue Feb 07, 2023 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing options (electronic)
Replies: 14
Views: 1263

Re: Tax filing options (electronic)

aristotelian wrote: Mon Feb 06, 2023 3:11 pm If she has simple taxes she should check out FreetaxUSA. Nearly identical functionality to Turbotax and free. They try to get you to pay for the state return but you can usually file that online yourself.
2nd that. I've been using them for several years.
by joe8d
Mon Feb 06, 2023 12:36 am
Forum: Personal Finance (Not Investing)
Topic: At what age did you reach your first $1 Million
Replies: 225
Views: 36353

Re: At what age did you reach your first $1 Million

After I retired and a lot more since.
by joe8d
Sat Jan 28, 2023 11:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

The Banshees of Inisherin on HBO was very good. Excellent cast, especially Colin Farrell and Brendan Gleeson. It's funny, sad, and beautiful, all at once. I would rate it as the best movie of the year. Highly recommended. I enjoyed it especially as a character study and being very scenic. I think older men may appreciate the theme of a guy just wanting to be left alone. There is a plot element having fingers being cut off, gruesome but not too bloody, artistically handled well (for what it is). I think women may have a hard time finding much in the film to appreciate, it lacks substantial romantic elements. Whoa, if this is the best film of the year, I've got to get my cognitive skills assessed. Really only found a few scenes funny or of c...
by joe8d
Tue Jan 24, 2023 8:17 pm
Forum: US Chapters
Topic: 🎊Happy 99th Birthday to Taylor Larimore🎉
Replies: 247
Views: 15704

Re: 🎊Happy 99th Birthday to Taylor Larimore🎉

Happy Birthday Taylor!!! :sharebeer
by joe8d
Mon Jan 09, 2023 8:37 pm
Forum: Personal Consumer Issues
Topic: Best coffee for ~$10 / lb?
Replies: 68
Views: 7848

Re: Best coffee for ~$10 / lb?

Maxwell House.
by joe8d
Fri Dec 16, 2022 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Autopaying bills - do you use it, and for what bills?
Replies: 122
Views: 8659

Re: Autopaying bills - do you use it, and for what bills?

Nate79 wrote: Thu Dec 15, 2022 8:09 pm I autopay every single bill that will allow it. Its great.
Same here.
by joe8d
Fri Nov 25, 2022 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Simple rule to not become a miser?
Replies: 85
Views: 11498

Re: Simple rule to not become a miser?

rich126 wrote: Wed Nov 23, 2022 9:47 am Some people are spenders, some are savers and some are in between. This idea of rules to change behaviors don't work IMO. It is like the poster who wanted to prevent themselves from streaming videos while they are supposed to be working. Unless someone else is enforcing the behavior it doesn't work.
:thumbsup
by joe8d
Wed Nov 16, 2022 10:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

tenkuky wrote: Thu Nov 10, 2022 7:17 pm
fishandgolf wrote: Thu Sep 22, 2022 9:29 am "Where the Crawdads Sing"

Excellent!!......DW coerced me into watching it. I was a bit reluctant to watch it only because the title sounds kind of weird.... but nevertheless,
it was outstanding!
Free DVD from public library.
While I haven't read the book, the movie was outstanding. Excellent cinematography and performances.
Highly recommended
Did same and have same opinion :thumbsup
by joe8d
Sun Nov 06, 2022 10:55 pm
Forum: Personal Consumer Issues
Topic: Should my kids attend online college to save money?
Replies: 82
Views: 6386

Re: Should my kids attend online college to save money?

UpperNwGuy wrote: Sun Nov 06, 2022 10:04 pm Please don't do this to your children.
:thumbsup
by joe8d
Mon Oct 31, 2022 9:29 pm
Forum: Personal Consumer Issues
Topic: Advice for college search for non-elite colleges
Replies: 81
Views: 6788

Re: Advice for college search for non-elite colleges

TexasPE wrote: Sun Oct 30, 2022 2:17 pm I would suggest a 2-year junior college whose credits are transferable to a 4-year state school. Does she have any particular interests?

I Agree and take something meaningful like medical lab technician. The advice to go to a small (Private) Liberal Arts College will just cost a lot of money and end up with a job at Starbucks.
by joe8d
Sat Oct 22, 2022 10:49 pm
Forum: Personal Consumer Issues
Topic: Dentist Cleaning Prices
Replies: 77
Views: 9693

Re: Dentist Cleaning Prices

$101 for cleaning only, last month Buffalo NY.
by joe8d
Sat Oct 08, 2022 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Original Medicare vs. Medicare Advantage
Replies: 481
Views: 43861

Re: Original Medicare vs. Medicare Advantage

jebmke wrote: Sat Oct 01, 2022 9:05 am All I can contribute is that it seems like comparisons between MA and Traditional Medicare are very location specific.
Yes, very true. Where I am, in WNY, MA Plans are Not for profit and a good deal.
by joe8d
Sun Oct 02, 2022 12:04 am
Forum: Personal Consumer Issues
Topic: Leaf Mulching Vacuum
Replies: 17
Views: 1816

Re: Leaf Mulching Vacuum

When I lived in a house (Condo now), I would just run the lawn mower over the leaves.
by joe8d
Thu Sep 29, 2022 8:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

" Where the Crawdad's Sing", based on the bestselling book. Excellent
by joe8d
Thu Sep 22, 2022 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated state taxes – payment method
Replies: 10
Views: 864

Re: Estimated state taxes – payment method

jebmke wrote: Thu Sep 22, 2022 8:31 am I use the EFTPS system for Federal. Been using it for over a decade and they have never missed a transfer date. My state has an ACH system that works fine.
The same here.Check your State for that option.
by joe8d
Tue Sep 20, 2022 9:08 pm
Forum: Investing - Theory, News & General
Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
Replies: 6651
Views: 1201991

Re: I Bonds Mega Thread (I Bond Heads Rejoice!)

Does anyone here maintain a list of their I Bonds (and EE Bonds) using "Outside investments" at Vanguard? It won't value them for you but in the past I've found it a nice way to view the portfolio. Nice, but only until the new website design was rolled out. If anyone knows something about dealing with it's new shortcomings that I don't, please let me know. Btw, yes I know all about TD's software and #Cruncher's website. This link is to a "how-to" post I made in the Vanguard "Fisher-Price" thread: https://www.bogleheads.org/forum/viewtopic.php?p=6879593#p6879593 Yes, I include the total value of my I Bonds in the "Outside Investments" section at Vanguard. That allows me to have all of my investments l...
by joe8d
Wed Aug 31, 2022 9:22 pm
Forum: Investing - Theory, News & General
Topic: A Change in Vanguard Flagship Service
Replies: 65
Views: 11303

Re: A Change in Vanguard Flagship Service

Not a loss. Found out the average Boglehead knows more than the FS reps.
by joe8d
Tue Aug 30, 2022 10:32 pm
Forum: Personal Consumer Issues
Topic: Best value colleges
Replies: 6
Views: 1183

Re: Best value colleges

stan1 wrote: Tue Aug 30, 2022 10:02 pm Seems like your quote/sig applies here:
If you torture the data long enough, it will confess to anything. ~Ronald Coase
:thumbsup

Go to the State School and Be in the top 3 of your class and you will be fine.
by joe8d
Wed Aug 24, 2022 9:17 pm
Forum: Personal Consumer Issues
Topic: 80 yr.old and Las Vegas Blowout---UPDATE2-The Return Report
Replies: 55
Views: 8769

Re: 80 yr.old and Las Vegas Blowout

From another 80 yr old: Tell them to comp you as you be leaving them your Heirs Money :(
by joe8d
Tue Aug 23, 2022 8:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

Dan999 wrote: Tue Aug 16, 2022 11:14 am THE DUKE

Wife and I enjoyed it. A British movie based on true story.

English senior citizen who takes up causes. No violence, some bad language. More of a comedy with a social cause to it.

Good evening entertainment for $6
Agree, but saw for free from my library.
by joe8d
Mon Aug 22, 2022 8:35 pm
Forum: Personal Investments
Topic: 80 yr old Where to place $1M
Replies: 40
Views: 7304

Re: 80 yr old Where to place $1M

Circe wrote: Mon Aug 22, 2022 7:37 pm If she later decides to move into a CCRC, she will need much of that sum, so it should not be tied up where she cannot access it or have to pay withdrawl penalties.
:thumbsup
by joe8d
Sun Aug 21, 2022 11:14 pm
Forum: Personal Investments
Topic: 80 yr old Where to place $1M
Replies: 40
Views: 7304

Re: 80 yr old Where to place $1M

As someone that will be 80 myself, in a month, I would just put the money in Ally online saving. Rates on those accounts are rising now with regularity and given her circumstances, just use it to pay her way forward.
by joe8d
Sun Jul 31, 2022 11:21 pm
Forum: Personal Consumer Issues
Topic: Solution for non drying shower
Replies: 24
Views: 2532

Re: Solution for non drying shower

Make sure drain is not clogged with hair etc.
by joe8d
Sat Jul 16, 2022 10:41 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic spirits/wine?
Replies: 41
Views: 3906

Re: Non-alcoholic spirits/wine?

Chip wrote: Sat Jul 16, 2022 10:11 am
BarbBrooklyn wrote: Sat Jul 16, 2022 7:13 am I recently started a medication that doesn't mix with alcohol. I love a glass of wine with dinner and sometimes a mixed drink (usually bourbon-based) or just some bourbon on the rocks in the evening.
My wife's solution to this was to ask her doc for a different medication. :beer
:thumbsup :sharebeer
by joe8d
Wed Jul 13, 2022 9:24 pm
Forum: Investing - Theory, News & General
Topic: one euro = one dollar what does this mean
Replies: 61
Views: 5523

Re: one euro = one dollar what does this mean

International Investments generally rise with the strength of the USD.
by joe8d
Fri Jul 08, 2022 10:23 pm
Forum: Personal Investments
Topic: safe investment for a 78 year-old widow
Replies: 30
Views: 4079

Re: safe investment for a 78 year-old widow

Hello Bogleheads, My mother, who recently became a green card holder, wants to move her savings to the US because of political and economical turmoil in her country of origin. Her day to day expenses are covered by a government pension. I was thinking about putting her money (about 70k) in a Vanguard fund like Wellesley, Life Strategy Income, or Target retirement Income, however she is adamant she doesn't want to invest in the stock market. She is very conservative and does not want to see her money go down in value. This money is her emergency fund. With the current poor performance of bond funds, what do you suggest? I am planning to get I-bonds, but the max she can get is 10k. Are t-bills a good idea? Do they also go down in value like ...
by joe8d
Sun Jul 03, 2022 11:29 pm
Forum: Personal Investments
Topic: Should I add an S&P extension in a 401K?
Replies: 11
Views: 1482

Re: Should I add an S&P extensioin in a 401K?

80/20 would be the way to go.
by joe8d
Sat Jul 02, 2022 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why do I keep getting rejected for credit cards?
Replies: 58
Views: 5807

Re: Why do I keep getting rejected for credit cards?

crinkles2 wrote: Sat Jul 02, 2022 7:33 pm I have the same problem... Just 5-10 years ago I could get a 50k card no questions asked. This is ridiculous. Never paid a cent of interest ever.

Perhaps they're cracking down on 'deadbeats' - people who never pay interest.
Have the same problem. Never paid interest. A "Tire Kicker" To the Credit racket.
by joe8d
Mon Jun 06, 2022 9:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066277

Re: What Movie Have You Recently Watched?

"Pinky", 1949 Movie starring Jeanie Crain (The prettiest actress ever) which won her the best actress Oscar. Story line was very Riske for the time as she portrays a "Negro" who passes for white. It was an Excellent story. I had to obtain a copy through the library ILL system as it is hard to find.
by joe8d
Mon May 23, 2022 9:58 pm
Forum: Personal Investments
Topic: I've been buying VTSAX instead of VTI for years and I just found out.
Replies: 58
Views: 10944

Re: Ive been buying VTSAX instead of VTI for years and I just found out.

Silk McCue wrote: Mon May 23, 2022 6:33 am VTSAX and VTI are just different members of the same share class. They have identical holdings and tax efficiency. You don’t need to do a thing.

You certainly don’t want to create a taxable event by selling VTSAX. If you feel the need to hold only VTI Vanguard will allow a one way exchange from VTSAX to VTI but not the reverse of that.

Cheers
:thumbsup
by joe8d
Mon May 23, 2022 8:55 pm
Forum: Personal Consumer Issues
Topic: Finding reasonably priced groceries
Replies: 190
Views: 17643

Re: Finding reasonably priced groceries

blueberrypi wrote: Mon May 23, 2022 5:32 pm Aldi is the only store that seems significantly cheaper. When I was single I did almost all my shopping there.
:thumbsup
by joe8d
Sun May 22, 2022 10:56 pm
Forum: Personal Consumer Issues
Topic: BB Pistol for Dad & Son Target Practice
Replies: 49
Views: 4522

Re: BB Pistol for Dad & Son Target Practice

" You'll shoot your eye out".