Search found 233 matches

by Billionaire
Fri Oct 20, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4732

Re: I have to fire someone that I care about personally

The cool thing about being a musician, being in a band, is that things can work with an odd duck on stage. Sometimes the odd duck is the draw. For that to work, the band needs to be tight as can be. Maybe you can suggest some cool outfits for her to wear or give her a lead vocal or two. Is it possib...
by Billionaire
Fri Oct 20, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4732

Re: I have to fire someone that I care about personally

I would kick her out of the band. I'm in a community band and pretty much anybody and everybody is welcome to play with us. We also perform in front of audiences. What I've discovered is that no amount of coaching or advice, no matter how thoughtfully given, will be taken by most (not all) performer...
by Billionaire
Fri Oct 20, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 7
Views: 718

Re: HSA question

Yes. I asked the same question to our HR department. As an aside, I assume when you say paying in cash, you mean by check or credit card. Correct?
by Billionaire
Wed Oct 18, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2336

Re: Credit scores fell this month a lot for no reason

Mine fell too. From about 829 to 804. Still over 800, but I can't help thinking it's due to getting the free credit monitoring from Equifax.
by Billionaire
Wed Oct 18, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: 2 Commas, Seven Figure
Replies: 19
Views: 3138

Re: 2 Commas, Seven Figure

That's what I call double dipping. Congrats.
by Billionaire
Tue Oct 17, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Excess cash for car fund - Would you invest?
Replies: 12
Views: 547

Re: Excess cash for car fund - Would you invest?

Many years ago I started a car fund putting about $250.00 per month into a Vanguard 500 S&P fund. After five of so years of contributing and when it came time to buy the vehicle, the interest rates were so low, I just decided to finance the car purchase. I ended up owning the fund for close to 20 ye...
by Billionaire
Sun Oct 15, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 124
Views: 6283

Re: What are you driving? And would you buy your current ride again?

2008 Cadillac CTS bought new in April 2008. I hope to get about 2-5 more years out of it. I would buy one again, but the prices seem to have gone up, so I'll have to reevaluate when the time comes. Maybe the lower priced Cadillac ATS. I'd like to get a hybrid.
by Billionaire
Fri Oct 06, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3340

Re: Sent to collections by a hospital we've never been to?

I would write a letter to the President of the hospital, letting him/her know that you will not be paying the bill, unless the hospital can provide documentation that you or a member of your family did in-fact incur the debt. Sometimes you just have to bypass the people on the front line.
by Billionaire
Thu Oct 05, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 227
Views: 27303

Re: Retirement Account Stolen by Identity theft

Very sad situation. Sorry to hear about this. I'd guess somebody in the HR or Payroll department was involved.
by Billionaire
Thu Oct 05, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: Cannot logon to Vanguard using iPad application
Replies: 10
Views: 436

Re: Cannot logon to Vanguard using iPad application

WoodSpinner wrote:
Thu Oct 05, 2017 6:42 pm
Just worked for me ....
What operating system are you on?
by Billionaire
Thu Oct 05, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Cannot logon to Vanguard using iPad application
Replies: 10
Views: 436

Re: Cannot logon to Vanguard using iPad application

Possible operating system upgrade? Somebody reported a problem at work today and we suspect it's due to an upgrade to IOS 11.
Of course, I could be totally wrong.
by Billionaire
Thu Oct 05, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2540

Re: Fidelity: can no longer use first initial, middle name

I wonder if it has something to do with fine tuning your PII data. Back in the early 80's I worked in the payroll department of Paine, Webber, Inc. All of a sudden I'm seeing all of these highly paid executives, investment bankers and brokers using their first initial, middle and last name. It came ...
by Billionaire
Wed Oct 04, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4233

Re: another 2 comma club member

Congrats!! I remember when I hit the three comma club, it was quite a thrill. Now The Thrill is Gone.
by Billionaire
Wed Oct 04, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 17
Views: 1359

Re: New job offer

What paperwork? Usually W-4 and benefits are selected and/or filled in, when you physically show up.
If there is other paperwork, the company should tell you when they want it. You'd be surprised to know the number of people who accept a job offer and don't show up on the specified date.
by Billionaire
Wed Oct 04, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Shooting for the moon as a young investor
Replies: 19
Views: 2001

Re: Shooting for the moon as a young investor

Desperate times call for desperate measures.
by Billionaire
Sat Sep 30, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: 401k advice
Replies: 11
Views: 704

Re: 401k advice

Let me start off by saying, I've never done a backdoor ROTH IRA contribution and have no plans to ever do one. I have done a couple of 401K to IRA rollovers. So my question is....if I did do a backdoor ROTH IRA, would it trigger a potential large tax liability due to the rollovers I've done? ( I was...
by Billionaire
Sat Sep 30, 2017 5:04 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7398

Re: What will happen if I refuse to pay a medical bill?

What a mess. I suspect you'll have to pay the bill or end up having a judgement against you. I've been dealing with CIGNA and different Dr's for the last year or so on a variety of bills. In a couple of cases, I did not understand the procedure to follow and in a couple of cases the information I re...
by Billionaire
Sat Sep 30, 2017 4:57 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2688

Re: Caught by speed camera

I've received two of these. I pay them immediately and tell myself to pay more attention to speed limits and obey other rules of the road.
by Billionaire
Fri Sep 29, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 37
Views: 18381

Re: Using full name for email - bad or good idea?

I've been using firstname_lastname@hotmail.com and firstname_lastname@yahoo.com for about 20 years. No problems, others than tons of spam. I contemplated getting a gmail account, but I store so much on both of my other accounts, I feel like I'm married to them for life.
by Billionaire
Sun Sep 24, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 27
Views: 4596

Re: 28 Year Old having a Crisis, how am I doing?

For myself and pretty much everybody I know, the 20's where a difficult time in the career department. When I was 29, I changed from the accounting field to selling new construction. When I was 35, I changed from selling real estate to computer programming. I made enough money in real estate to take...
by Billionaire
Sun Sep 24, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6182

Re: Spouse Money Management

It's not fair to compare this to a spousal situation. Any reason why she doesn't live with her folks/family? If she nets $2500.00 per year, I'd guess her gross is around $4,000.00, if that. Under the circumstances, I think you should foot the bill for all the expenses, except for maybe an incidental...
by Billionaire
Sun Sep 24, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -questions to ask potential advisors
Replies: 27
Views: 2657

Re: Large inheritance -questions to ask potential advisors

If you've been tinkering with stocks for 50 years, I'm guessing you are in your 70's. Tread slowly.
by Billionaire
Sat Sep 23, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Management career job search
Replies: 8
Views: 855

Re: Management career job search

youdiditr2 wrote:
Fri Sep 22, 2017 10:31 pm
. Kiss up to people that can put you in management.
Dang, wish I knew that 20 years ago.
by Billionaire
Wed Sep 20, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: When bitcoin splits, is that like a stock splitting?
Replies: 4
Views: 387

Re: When bitcoin splits, is that like a stock splitting?

When will people start going to jail over this scam?
by Billionaire
Tue Sep 19, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: What is the right career path for me?
Replies: 24
Views: 2499

Re: What is the right career path for me?

Dang, you are ambitious. Succeed at any one of the four thing you listed and you should consider yourself fortunate. When I was your age I wanted to be a celebrity.
by Billionaire
Sat Sep 16, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bipolar Investor Wants to Roll The Dice
Replies: 12
Views: 1662

Re: Bipolar Investor Wants to Roll The Dice

Try some stocks that are involved with the marijuana industry. I missed a big opportunity on one. Now it's back down considerably, but I'm still not pulling the trigger.
by Billionaire
Wed Sep 13, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4847

Re: Milestone Reached - "Quarter Millionaire!"

Congrats from Billionaire. Hehe.
by Billionaire
Wed Sep 13, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12401

Re: Bitcoin in 3-fund indexed portfolio?

I put bitcoins in the same category as internet gambling.
by Billionaire
Mon Sep 11, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: 24 care home care for family member
Replies: 23
Views: 2285

Re: 24 care home care for family member

We went down this road with my mother last year. Regardless of the company or approach you take, I would make sure there is no cash in the house and whatever family heirlooms or other things of value are present get distributed to others. I'm saying that from personal experience with my mother and f...
by Billionaire
Sun Sep 10, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Social Security bend points/early retirement estimates
Replies: 17
Views: 2766

Re: Social Security bend points/early retirement estimates

Are there any explanations why my manually calculated PIA benefit is about $200.00 higher than the amount stated on my SS statement?
by Billionaire
Wed Sep 06, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24235

Re: Name something you had to have and now you regret purchasing it?

I regret when I have something I really like and use and then buy a second one or a third one. That never works. I have mountain bike I like and use it a lot. I then decide I should have a road bike because I should go road biking more. I end up using both bikes less and having "bike guilt" because...
by Billionaire
Thu Aug 31, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3194

Re: Beginner Mountain Bike

As some have alluded to, it's not necessarily about the bike. I bought a Schwinn Homegrown mountain bike in 2000 and discovered recently that the Homegrown series of bikes that were manufactured between 1995 and 2001 have a cult following today. When I bought the bike I guess I had some romantic not...
by Billionaire
Tue Aug 29, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6633

Re: When to give resignation notice

As others have said, give the three months notice. If they pull any funny business, file a grievance with your state Labor Board.
by Billionaire
Tue Aug 29, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4331

Re: Estate Administration Question

Joe refuses to serve as the executor and relinquishes his duties to the next in line, who should be named in the will.
by Billionaire
Sun Aug 27, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: How much $$$ should I expect working in CPA's office for the tax season
Replies: 8
Views: 1292

Re: How much $$$ should I expect working in CPA's office for the tax season

Thanks for all the replies. I'm not a CPA and at this stage of the game have no need to pursue it. I tried googling, but in retrospect I didn't fine tune my query enough. The link provided by RudyS was interesting.
by Billionaire
Sat Aug 26, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much $$$ should I expect working in CPA's office for the tax season
Replies: 8
Views: 1292

How much $$$ should I expect working in CPA's office for the tax season

I am beginning to look into a situation where I would work in a CPA's office for the 2018 tax season helping with tax preparation, etc. My degree is in accounting, but I haven't worked in the field for 32 years. I've worked in IT for 28 years. They seem interested and asked for my resume. HCOL area....
by Billionaire
Thu Aug 17, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3520

Re: How long to keep IRA records?

Thanks for all the useful information folks. Can't believe I've misunderstood this concept all these years. The good news is that I've kept good records, which are discussed in the instructions for FORM 8606. There is another "work around" similar to the one I mentioned above, but closer to what yo...
by Billionaire
Thu Aug 17, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3520

Re: How long to keep IRA records?

Thanks for all the useful information folks. Can't believe I've misunderstood this concept all these years. The good news is that I've kept good records, which are discussed in the instructions for FORM 8606. so are you still selling the TIRA w/ non-deductible contributions? Why or why not? Have yo...
by Billionaire
Thu Aug 17, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10557

Re: Anyone planning on never retiring?

My wife retired in January 2016. She started taking classes, exercising more and volunteering for a charity or two. Nine months later she was diagnosed with breast cancer and has been dealing with that and another health issues. She is starting to get back into the swing of things, but some addition...
by Billionaire
Wed Aug 16, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3520

Re: How long to keep IRA records?

Thanks for all the useful information folks. Can't believe I've misunderstood this concept all these years. The good news is that I've kept good records, which are discussed in the instructions for FORM 8606.
by Billionaire
Tue Aug 15, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3520

Re: How long to keep IRA records?

Didn't mean to go on a tangent here, but my point was when you have deductible AND non-deductible in the same IRA account, in other words co-mingled contribution dollars, it can get difficult for you or your beneficiaries to determine the correct taxable amount. My personal situation is to liquidat...
by Billionaire
Tue Aug 15, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3520

Re: How long to keep IRA records?

Didn't mean to go on a tangent here, but my point was when you have deductible AND non-deductible in the same IRA account, in other words co-mingled contribution dollars, it can get difficult for you or your beneficiaries to determine the correct taxable amount. My personal situation is to liquidate...
by Billionaire
Mon Aug 14, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3520

Re: How long to keep IRA records?

I agreed with him and have plans to liquidate my non-deductible IRA within the first year or two of my retirement. Perhaps I'm reading something into this statement, but it sounds like you think you can just take the money from the IRA with the non-deductible contributions and not pay tax. You cann...
by Billionaire
Mon Aug 14, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3520

Re: How long to keep IRA records?

........................................... Where things get really complicated is when you have non-deduction contributions co-mingled with deductible contributions. In that case you need to keep meticulous records so that when you take distributions, you (and possibly your beneficiaries) can dete...
by Billionaire
Mon Aug 14, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3520

Re: How long to keep IRA records?

It would probably be a good idea to keep all the Form 5498's that custodians sent you. My guess is that other records from them are superfluous. I agree with this. Where things get really complicated is when you have non-deduction contributions co-mingled with deductible contributions. In that case...
by Billionaire
Mon Aug 14, 2017 5:58 am
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6910

Re: It's easy to have an investment plan until you get punched in the face

Random Walker wrote:
Sun Aug 13, 2017 9:36 pm
Remommyc,
I'm similar to you. As retirement approaches I've gon from 80/20 to 47/33/20 stocks/bonds/alternatives. It's important for us to realize that a typical 60/40 portfolio still has about 90%'of its risk on the equity side.

Dave
Could you please define "alternatives"?
by Billionaire
Sun Aug 13, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2521

Re: Progress, thanks, and seeking advice on 2nd careers

I hope this isn't a thread-jack, but for people who have made this type of change, did you: a) figure out what you wanted to do as your "second act" before quitting the old job b) Quit the old job and take some time off and figure out where you want to go from here? Do you recommend the course you ...
by Billionaire
Sat Aug 12, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2521

Re: Progress, thanks, and seeking advice on 2nd careers

I can offer a personal story. I have a degree in Accounting. I spent approx. 8 years in various accounting jobs. I then sold new residential construction for about 4 years. I'm about to end my 28 year career in IT. I am hoping to get a job at a local accountants office during the 2018 tax season hel...
by Billionaire
Fri Aug 11, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2694

Re: Trip Cancellation Insurance.

My Visa card provides travel insurance for $5000.00 per person per year for zero cost. You just need to book your travel using the card.