Search found 2069 matches

by bayview
Fri May 29, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27418

Re: The axe falls and I am prepared. What's next?

KlangFool wrote:
Thu May 28, 2020 7:59 pm
...P.S.: In general, if someone's annual expense is 60K or less per year, they can pay zero taxes in retirement.
Thanks for that comment. When I was still working, I ran numbers that predicted that we would pay $0 once I retired, but we were still pretty amazed to find out that it was true. :D
by bayview
Thu May 28, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: 16 Weeks Paternity Leave
Replies: 119
Views: 7596

Re: 16 Weeks Paternity Leave

As you say, every baby is different. A baby who settles into a sleep pattern early is truly a blessing. Experiences vary. This does not represent the experience of either my wife or I through 2 kids and it's not like we have high-stress jobs. Lucky for you. Note that it wasn't just feeding and chang...
by bayview
Wed May 27, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: 16 Weeks Paternity Leave
Replies: 119
Views: 7596

Re: 16 Weeks Paternity Leave

I don’t think someone who refers to paternity leave as a vacation is going to get it. That mentality really annoyed me when I was on paternity leave. Taking care of an infant is much, much more difficult than going to work. It's the opposite of vacation. Going back to work was the vacation. Experie...
by bayview
Wed May 27, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27418

Re: The axe falls and I am prepared. What's next?

Folks, Just for educational purposes, additional dramas continue 1) The end date postponed by a week. 2) My existing project/customer is trying to see whether they have a job for me and I can transfer to their department. I could not take the previous job because it involves relocation. 3) The old ...
by bayview
Wed May 27, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27418

Re: The axe falls and I am prepared. What's next?

Folks, Just for educational purposes, additional dramas continue 1) The end date postponed by a week. 2) My existing project/customer is trying to see whether they have a job for me and I can transfer to their department. I could not take the previous job because it involves relocation. 3) The old ...
by bayview
Wed May 27, 2020 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment Help
Replies: 17
Views: 978

Re: Medicare Enrollment Help

You've gotten good advice about Medicare above. Has your mom granted you durable power of attorney for finances and health matters? Please get this done asap BEFORE you get her a thorough workup for her memory loss. Right. She needs to be able to sign any sort of just-in-case paperwork BEFORE a dia...
by bayview
Wed May 27, 2020 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Small Estate in CA and Probate
Replies: 17
Views: 1004

Re: Small Estate in CA and Probate

Wouldn't it be easier for their heirs if they prepared wills to appoint an administrator to pay burial expenses and file final tax returns for them? They should also consider executing springing POA's and health care POA's in the event one is deceased and the other incapacitated. Otherwise you may ...
by bayview
Tue May 26, 2020 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Amazon Prime Rewards Visa Signature Card
Replies: 41
Views: 2205

Re: How is the Amazon Prime Rewards Visa Signature Card

Perfectly happy with mine, and we use it a lot.

We also have the “store” card, through Synchrony. We never had problems, but plenty of others have. Synchrony has truly dreadful CS on this card, although it seems fine on Lowe’s etc.

Both have 5% cash back (store card only for Amazon purchases).
by bayview
Tue May 26, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8434

Re: Investors: be aware of weakness in 2FA + strengthening

Silence Dogood wrote:
Mon May 25, 2020 10:45 pm
Kookaburra wrote:
Mon May 25, 2020 9:44 pm
At this point, homing pigeons seem like a good idea for delivery of a code.
Don't get me started on pigeon-based two-factor authentication... :P
I immediately flashed on the flock of message-carrying ravens on Game of Thrones being brought down by a rain of arrows. :D
by bayview
Tue May 26, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Proof of ownership and paper statements
Replies: 25
Views: 1773

Re: Proof of ownership and paper statements

The SIPC brochure may shed some light on the extent of the usefulness of statements <https://www.sipc.org/media/brochures/HowSIPCProtectsYou-English-Web.pdf>: How will I prove what the broker owes me? When you fill out the claim form, you are asked to describe the cash and securities owed to you. T...
by bayview
Tue May 26, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 133
Views: 10961

Re: Pandemic buys that have improved quality of life?

Ooni Koda pizza oven. Gas rather than wood fired. Bit of a learning curve but great pizza. Now if I could only find bread flour :( For bread flour you need to check Walmart, King Arthur, and other web sites on a daily basis. Bread flour does come in and can be ordered, but it goes quickly out of st...
by bayview
Mon May 25, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12037

Re: Approaching 40, worried about financial future

Along with the 1%/year increased savings, also consider saving most or all of each raise and bonus.
by bayview
Sun May 24, 2020 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8434

Re: Investors: be aware of weakness in 2FA + strengthening

I have no idea, because I haven't used Vanguard in years. That said, it's good to keep our accounts as secure as possible, but we don't really hear any reports of these worst case scenarios happening. Anything "could" happen, but I'm guessing most of the theft going on is caused by people not prote...
by bayview
Sun May 24, 2020 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8434

Re: Investors: be aware of weakness in 2FA + strengthening

I don't know either, but my guess is the conversation would go something like this at most investment companies. Customer: I need to reset my password but don't remember the answers to my security questions. Customer Support: How can you not remember what high school you went to? Customer: I put gi...
by bayview
Sun May 24, 2020 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8434

Re: Investors: be aware of weakness in 2FA + strengthening

I don't know either, but my guess is the conversation would go something like this at most investment companies. Customer: I need to reset my password but don't remember the answers to my security questions. Customer Support: How can you not remember what high school you went to? Customer: I put gi...
by bayview
Sun May 24, 2020 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pull a trigger on a home purchase or continue renting?
Replies: 45
Views: 2961

Re: Would you pull a trigger on a home purchase or continue renting?

Stay light on your feet, and continue to rent. Upgrade your current apartment if it makes sense. Mobility and flexibility are priceless in “interesting times”. Hi folks, I'm a 30 year old female. Here are my monthly obligations: Rent : $2800 (including trash, water) Food : $500 (groceries, essential...
by bayview
Sun May 24, 2020 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8434

Re: Investors: be aware of weakness in 2FA + strengthening

I have no idea, because I haven't used Vanguard in years. That said, it's good to keep our accounts as secure as possible, but we don't really hear any reports of these worst case scenarios happening. Anything "could" happen, but I'm guessing most of the theft going on is caused by people not prote...
by bayview
Sun May 24, 2020 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Mother-In-Law
Replies: 31
Views: 3890

Re: What to do with Mother-In-Law

...From our perspective, I guess the issue is that there isn't much for us to do in our small town once retired. It does seem to be working while we are both working some to pass the time. gasdoc Realistically, and a bit morbidly of course, do you have an estimate of her life expectancy? If sounds ...
by bayview
Sun May 24, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 42
Views: 3234

Re: Advice Needed regarding debt

Katietsu wrote:
Sun May 24, 2020 8:08 pm
... But I would be prepared to give funds if I saw commitment in actions not words from the niece. And if I saw a place where it could be a blessing and not a crutch.
What a great phrase. Two, actually. Thank you.
by bayview
Sun May 24, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: New here, need help with creating a nest egg for my autistic son
Replies: 19
Views: 1557

Re: New here, need help with creating a nest egg for my autistic son

Zillions wrote:
Sun May 24, 2020 2:34 pm
...How do I post our current portfolio here?
viewtopic.php?f=1&t=6212

It looks pretty epic, but it is time-tested, and you’ll gain a lot of insight just retrieving and entering the info.
by bayview
Sun May 24, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27418

Re: The axe falls and I am prepared. What's next?

What a great saying! I stepped back a bit in my last two years, and only the fact that I worked remotely made it palatable. It was so frustrating (even more than previously) to see management doing the same wrong things repeatedly, knowing how much simpler it would have been to do them correctly. (...
by bayview
Sun May 24, 2020 9:28 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27418

Re: The axe falls and I am prepared. What's next?

At the least, you're in a better position that what you imagined as your worst case retirement plan. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=220234 If keeping up with the latest tech updates is getting harder, how about taking a lesser job just to keep benefits, some cash flow and serv...
by bayview
Sat May 23, 2020 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8434

Re: Investors: be aware of weakness in 2FA + strengthening

From what I have read, it is more difficult to SIM swap Verizon phones vs other phones. I'm not sure how true it is, but they say that the network verifies the IMEI of your phone with their records, which makes SIM swapping harder. Source: https://www.vice.com/en_us/article/kz438w/verizon-makes-sim...
by bayview
Sat May 23, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Rekenthaler: Long Bonds Are for Fools
Replies: 346
Views: 17914

Re: Rekenthaler: Long Bonds Are for Fools

Even on the terms of your analysis, while the retirees' time horizon might be long, that doesn't mean the bond and equity allocations of the portfolio should both be equally matched to all time periods of the time horizon. Perhaps some people think this way, I don't know. It would be a form of ment...
by bayview
Sat May 23, 2020 8:23 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11445

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Tepper is the new owner of our Carolina Panthers. Supposedly a very successful hedge fund manager worth around $10B I think. So a basketball team owner has any clue about investment advice? Sort of like Mark Cuban, except nobody's heard of him? (and for the record, I think Cuban is a clown) Hey, he...
by bayview
Fri May 22, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27418

Re: The axe falls and I am prepared. What's next?

I’d say do nothing for the next X months. Putter around the house. Drive your wife crazy. :D One disadvantage to being a planner is that one can fall into a mindset of, well, always planning - relying on the ideas and thought patterns that one has been exploring non-stop for years, which can also cr...
by bayview
Fri May 22, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27418

Re: The axe falls and I am prepared. What's next?

KlangFool, Sorry for you termination. No matter how prepared you are, it always hits hard on the ego. But, as we all know knew this was coming and prepared yourself well. With that in mind I am confident you know your finances are in great shape and you have nothing to worry about there. The questi...
by bayview
Fri May 22, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as Trustee of Estate Trust
Replies: 99
Views: 5512

Re: Vanguard as Trustee of Estate Trust

In some states avoiding loss of assets in divorce is not nearly that simple. What states consider inheritances, not commingled, as marital property? I can't find any examples. The $64 question is how to keep separate property segregated and accidentally commingled in any of the possible legal juris...
by bayview
Fri May 22, 2020 7:45 am
Forum: Investing - Theory, News & General
Topic: Updating Outside Investments on Web Site [Vanguard]
Replies: 25
Views: 1444

Re: Updating Outside Investments on Web Site [Vanguard]

I track my TSP investments in Outside Investments. NOBODY (that I’ve found) handles TSP in their aggregator. I use Vanguard equivalent tickers for the various TSP funds. Divide the dollars in each TSP fund by the cost of the Vanguard equivalent, and enter the result as numbers of shares. They track ...
by bayview
Fri May 22, 2020 7:11 am
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6536

Re: [Auto insurance companies issuing refunds due to coronavirus]

Got an email earlier this week from USAA that they were issuing an additional refund (second one.) Not huge, but nice.
by bayview
Thu May 21, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: What questions to ask when choosing attorney?
Replies: 27
Views: 2516

Re: What questions to ask when choosing attorney?

[OP here] Update. I hired the last attorney whom I interviewed. I knew she was the "right one" when she told me that she could negotiate a settlement over the phone, without having to go back to mediation or through a lengthy arbitration process. She helped me understand all my options; we reached ...
by bayview
Wed May 20, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Stinkbug screened in deck problem
Replies: 25
Views: 2217

Re: Stinkbug screened in deck problem

..., we saw them boiling out from between the deck boards!!! Excellent visual. Thank you! They are the stupidest bugs on earth, and pretty easy to get rid of (not in your numbers, of course), but when they’re on the bedroom floor, and you step on them when you get up during the night, or when they’...
by bayview
Wed May 20, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Central Indiana: Reasonable Cost?
Replies: 16
Views: 1209

Re: Central Indiana: Reasonable Cost?

Given what you’ve written about other non-responsive contractors, is it worth trying to save $500-$1k by getting a lower bid? You seem pretty comfortable with him. In a perfect world, you’d have 3-5 written bids, with full descriptions of work etc, and 3 solid references from each, but the world isn...
by bayview
Tue May 19, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for grocery rewards
Replies: 37
Views: 2804

Re: Best credit card for grocery rewards

Amex Blue Cash Preferred. It does have an annual fee $99 But 6% on groceries and streaming services year round. We cleaned up like bandits when we lived in California, as grocery stores also sold liquor (“distilled spirits”), motor oil for cars, and lots of other items that we would otherwise buy e...
by bayview
Tue May 19, 2020 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.
Replies: 7
Views: 910

Re: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.

Do you have equity in a property? If so, a HELOC or home equity loan might be an option as well. HELOC is not easy to get without "income". I just went through this recently. Luckily I worked almost all of 2019 at a contract job, so Third Federal used my 2019 income tax forms as the basis of the HE...
by bayview
Tue May 19, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need help from NYC Real Estate Experts!!!
Replies: 35
Views: 2902

Re: Need help from NYC Real Estate Experts!!!

https://i.postimg.cc/4yX5YqrP/wth.jpg I saw this condo in lenox hill which is a nice area. Price actually dropped from 2008 value. Is NYC real estate a bad investment? Did this condo originally come with a tax abatement that's now expiring? This is a very common issue in NY real estate. The current...
by bayview
Tue May 19, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.
Replies: 7
Views: 910

Re: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.

I need $100000. I'm 67 should I take a vires loan from my Ira. You do not pay tax's for 3 years. You can pay it back and not pay tax. It is interested free and will not cost anything if paid back on time. What is not paid will be taxed. I have cash sitting in my MM and not making anything. Would it...
by bayview
Tue May 19, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1837

Re: Financial Considerations: Marriage in your 50s/60s

... keep your finances separate. +1 I've seen three situations where a couple who had been happily married (second time around) for years. But when the couple were both advanced in years and increasingly in need of assistance for basic activities, the couple has separated and one has gone to live n...
by bayview
Tue May 19, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Guidelines
Replies: 7
Views: 1018

Re: Retirement Guidelines

Thanks both comments make a lot of sense. Sometimes I read on these forums of people who are saving like 50% of their incomes and I think I’m doing something wrong. Appreciate the advice! If I had ever made a gazillion bucks a year, I could probably swing 50% too! :D Two places to start for younger...
by bayview
Tue May 19, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1837

Re: Financial Considerations: Marriage in your 50s/60s

Hello. SO and I are trying to cover all of our bases before we get married (likely in late 2021 depending on Covid, among other things.) I am quite a bit more of a saver while SO is more of a spender. SO will earn more pension income than I will. Our incomes are nearly identical. We have considered...
by bayview
Tue May 19, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Any resources on Reduction in Force procedures for Federal Employees?
Replies: 14
Views: 1197

Re: Any resources on Reduction in Force procedures for Federal Employees?

This is a federal agency with GS-scale employees, and theyre warning of not making payroll? Federal agencies are funded yearly by Congress. When you’re a Fed, you always keep in mind the now-annual shutdown plus other adventures. I worked in the VA and was considered an essential employee, so betwe...
by bayview
Tue May 19, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Any resources on Reduction in Force procedures for Federal Employees?
Replies: 14
Views: 1197

Re: Any resources on Reduction in Force procedures for Federal Employees?

This is a very complicated procedure. Lots of mistakes can happen. Check on your Competitive level, ie, scope of the organization affected, bigger is better with more chances for placement. As I remember it, a good time ago, there are employees placed into 3 tiers by apt. type and there are two sub...
by bayview
Tue May 19, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Any resources on Reduction in Force procedures for Federal Employees?
Replies: 14
Views: 1197

Re: Any resources on Reduction in Force procedures for Federal Employees?

This is a federal agency with GS-scale employees, and theyre warning of not making payroll? Federal agencies are funded yearly by Congress. When you’re a Fed, you always keep in mind the now-annual shutdown plus other adventures. I worked in the VA and was considered an essential employee, so betwe...
by bayview
Tue May 19, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Opinion on Relocating from IL to FL Central Gulf Coast Condo
Replies: 35
Views: 2557

Re: Opinion on Relocating from IL to FL Condo

Are you both retired Federal, or state or municipal? In other words, how stable are those pensions? I would think that you could do this with the edited figures you provided. (I had been thinking that that must be one HECK of a condo. :D ) Looks like you already have a good network down there. I wo...
by bayview
Tue May 19, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Opinion on Relocating from IL to FL Central Gulf Coast Condo
Replies: 35
Views: 2557

Re: Opinion on Relocating from IL to FL Condo

Absolutely - Go for it! Originally from the Indianapolis area, went to Fla in early 80's lived there 30+ yrs, Loved it! Also went from house to condo - Great Livin, no lawn mower, no maintenance, easy patio livin, and lo cost a livin - all ya need in Fla is a roof and bathin suit... $450K is Hi (ri...
by bayview
Tue May 19, 2020 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Opinion on Relocating from IL to FL Central Gulf Coast Condo
Replies: 35
Views: 2557

Re: Opinion on Relocating from IL to FL Condo

Are you both retired Federal, or state or municipal? In other words, how stable are those pensions? I would think that you could do this with the edited figures you provided. (I had been thinking that that must be one HECK of a condo. :D ) Looks like you already have a good network down there. I wou...
by bayview
Tue May 19, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: New job / wife 33 weeks pregnant / paternity
Replies: 42
Views: 4327

Re: New job / wife 33 weeks pregnant / paternity

4) Offer is made, you accept, you resign from your current employer, offer is rescinded or you are laid off from new job when the second wave of COVID-19 hits. I would want to know what the healthcare company has done over the last two months re reduction in hours and layoffs among their existing em...
by bayview
Tue May 19, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: HELOC - original mortgage not satisfied
Replies: 17
Views: 1072

Re: HELOC - original mortgage not satisfied

Looking through old receipts from 2006 i found the paperwork for when i paid off the loan to Washington Mutual. This included the payoff statement , payoff confirmation letter , and receipt for wire transfer to pay it off . I will put these with my important records now . I hope this is what they n...