Search found 7726 matches

by JoeRetire
Thu Apr 22, 2021 3:27 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo Skills/Uses
Replies: 29
Views: 1080

Re: Amazon Echo Skills/Uses

Please post some of your favorite (big or small) uses for the Echo Dot. I have an Echo Dot with Clock. It's on my nightstand. I use it as a souped-up clock radio. "Alexa, what's the weather like today?" "Alexa, play [my favorite radio station]" "Alexa, play [one of the podc...
by JoeRetire
Thu Apr 22, 2021 3:19 pm
Forum: Personal Consumer Issues
Topic: How to get to Foxwoods
Replies: 9
Views: 989

Re: How to get to Foxwoods

I was going a friend's wedding in the fall at Foxwoods. Seems very car-oriented. Any good way to get there besides a car? Seems that the shuttles are down for now. Obviously it depends on your starting point. There are plenty of buses and some trains that could get you there. You also could take a ...
by JoeRetire
Thu Apr 22, 2021 3:15 pm
Forum: Personal Consumer Issues
Topic: I'm having analysis paralysis on a new car. I am looking for common reliable cars, but each one has potential issues
Replies: 46
Views: 2664

Re: I'm having analysis paralysis on a new car. I am looking for common reliable cars, but each one has potential issues

Kittens wrote: Thu Apr 22, 2021 12:23 pm am I overblowing this and should just pick a car?
Yes.
I know I would have a warranty but am having a lot of anxiety over this because it seems I can't find any car that does not have lots of potential issues.
Everything has potential issues.
by JoeRetire
Thu Apr 22, 2021 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

Gabelli2020 wrote: Thu Apr 22, 2021 2:03 pmWhat else is there?
If it makes you and your wife happy, you need nothing else.
by JoeRetire
Thu Apr 22, 2021 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

It is just a job. You are paid to do it. There is nothing more or less to it. For most people, there is more to work than just getting paid. Like what? I enjoyed the challenges, the sense of accomplishment, the interaction with smart, hardworking people. the friends, the customers, the advancements...
by JoeRetire
Thu Apr 22, 2021 2:32 pm
Forum: Personal Investments
Topic: Helping an elderly MIL consolidate CC debt?
Replies: 11
Views: 832

Re: Helping an elderly MIL consolidate CC debt?

She asked me about debt consolidators so I just thought someone here would give me the quick details about thier services and whether they will rip you off. It could be a good idea, and a good lender won't rip you off. But if her goals isn't to get rid of her debt and then stay out of debt, it's pr...
by JoeRetire
Thu Apr 22, 2021 12:09 pm
Forum: Personal Investments
Topic: What do you define "hitting your number?"
Replies: 25
Views: 1956

Re: What do you define "hitting your number?"

Now that I am close to hitting my number I have started wondering what that really means. You are "close", but don't know what it really means? Does hitting your number for a day count or should it be a sustained $2.1 million for a longer period? You get to decide what counts and what doe...
by JoeRetire
Thu Apr 22, 2021 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Crazy Situation - Acura Dealer Gave Me Car With Wrong VIN Number - Wants to Swap Cars?
Replies: 97
Views: 5776

Re: Crazy Situation - Acura Dealer Gave Me Car With Wrong VIN Number - Wants to Swap Cars?

This is a completely new situation in my last 30 years of buying cars. Is there anything weird going on with this situation that I should be aware of?? Should I ask for additional compensation? It's weird in that I've never heard of such a thing happening. Just swap the cars and be happy. No reason...
by JoeRetire
Thu Apr 22, 2021 11:21 am
Forum: Personal Finance (Not Investing)
Topic: how to help my parents buy a house
Replies: 5
Views: 377

Re: how to help my parents buy a house

We would like to move my parents close to where my sister lives. The problem is that their house (which they own with no mortgage) is only worth about half of what a small house in a 55+ community costs near where my sister lives. Our goal is to get them into a new house without a new mortgage paym...
by JoeRetire
Thu Apr 22, 2021 11:15 am
Forum: Personal Finance (Not Investing)
Topic: marriage and personal finance
Replies: 40
Views: 2128

Re: marriage and personal finance

Tamalak wrote: Thu Apr 22, 2021 10:55 am If you marry without a prenup you are incentivizing your wife to divorce you.
Sorry, that's nonsense.
by JoeRetire
Thu Apr 22, 2021 11:15 am
Forum: Personal Finance (Not Investing)
Topic: marriage and personal finance
Replies: 40
Views: 2128

Re: marriage and personal finance

Anything I'm missing as far as things to consider? Talk. Make sure you are both on the same page. And be honest about it. You're planning on spending the rest of your life with this person so you don't want to be miserable because you agreed to something just to make the other person happy. That wh...
by JoeRetire
Thu Apr 22, 2021 11:11 am
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

It is just a job. You are paid to do it. There is nothing more or less to it. For most people, there is more to work than just getting paid. No. I think you have it backwards. For some people. Perhaps I'm more optimistic. I suspect I'm more realistic. I don't personally know anyone who didn't get a...
by JoeRetire
Thu Apr 22, 2021 11:11 am
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

It is just a job. You are paid to do it. There is nothing more or less to it. For most people, there is more to work than just getting paid. JoeRetire, A) That matters to the person individually. But, it may not matter to anyone else. The individual is what matters. The anyone else part can easily ...
by JoeRetire
Thu Apr 22, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: What to do if I’m not good at my job but I’m paid well?
Replies: 35
Views: 3415

Re: What to do if I’m not good at my job but I’m paid well?

It seems like every job I find myself in, I am constantly getting corrected by my managers for errors and mistakes. How many jobs have you had? I am working hard trying my best and fixing the errors, but it is sort of demoralizing and makes me feel like I’m not cut out for this job / career. The pr...
by JoeRetire
Thu Apr 22, 2021 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

KlangFool wrote: Thu Apr 22, 2021 8:16 amIt is just a job. You are paid to do it. There is nothing more or less to it.
For most people, there is more to work than just getting paid.
by JoeRetire
Thu Apr 22, 2021 8:23 am
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

I know I am a different generation retirement to me is just economics of how much money you need to live without working and how much you plan to leave to your kids/grandkids. Id be quite happy just sleeping late, watching TV, going for a walk, playing video games, running errands, and small hobbie...
by JoeRetire
Thu Apr 22, 2021 8:21 am
Forum: Personal Finance (Not Investing)
Topic: marriage and personal finance
Replies: 40
Views: 2128

Re: marriage and personal finance

Thomas93 wrote: Thu Apr 22, 2021 7:14 am Anything I'm missing as far as things to consider?
Talk. Make sure you are both on the same page.
by JoeRetire
Thu Apr 22, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: should I sell domain names ?
Replies: 6
Views: 696

Re: should I sell domain names ?

I have 2 internet website domain names. I am going to quit my business/retire. GoDaddy says I can sell my domain names for a few $100 dollars. Is there a reason to not sell them ? Are you going to sell the business associated with the domain names? NO Then sell the domain names. Don't just jump at ...
by JoeRetire
Thu Apr 22, 2021 8:00 am
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

I must admit I am very envious of people who are easily able to fill their days in retirement. I have zero understanding of what they are doing to fill their days. I can't speak for others, but I am doing things I enjoy. For me, that's what retirement is all about. - I walk every day. In the summer...
by JoeRetire
Thu Apr 22, 2021 7:20 am
Forum: Personal Consumer Issues
Topic: should I sell domain names ?
Replies: 6
Views: 696

Re: should I sell domain names ?

bluegill wrote: Thu Apr 22, 2021 7:13 am I have 2 internet website domain names. I am going to quit my business/retire. GoDaddy says I can sell my domain names for a few $100 dollars. Is there a reason to not sell them ?
Are you going to sell the business associated with the domain names?
by JoeRetire
Thu Apr 22, 2021 7:19 am
Forum: Personal Finance (Not Investing)
Topic: my YOLO moment (career downshift and full-time WFH)
Replies: 29
Views: 3556

Re: my YOLO moment (career downshift and full-time WFH)

* Does my plan to quit if recalled make financial sense? This move is the start of pulling the plug on my job, basically my YOLO move. Not to me (I would find a new job), but it's your YOLO. You are somewhat bored and want to no longer work, while your wife plans to work for many more years. For me...
by JoeRetire
Thu Apr 22, 2021 6:52 am
Forum: Personal Finance (Not Investing)
Topic: my YOLO moment (career downshift and full-time WFH)
Replies: 29
Views: 3556

Re: my YOLO moment (career downshift and full-time WFH)

I am somewhat bored / tired of my job but I don't dislike it. If I get recalled back to CA my plan is to quit instead, hopefully I can squeeze out 5 or so more years of remote work and fully get us to our FI numbers. Employment opportunities where I am moving are limited to say the least, but I cou...
by JoeRetire
Thu Apr 22, 2021 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Estimate of Social Security Spousal Survivor's Benefits?
Replies: 8
Views: 784

Re: Estimate of Social Security Spousal Survivor's Benefits?

Well, I was curious, so I did some Googling. There was a paper from 2004 that found that after the current system went into place in 1979 (evidently, previously one lost benefits if they got married at any time), widows (women) did wait to get married until 60 years of age. I suppose that could be ...
by JoeRetire
Thu Apr 22, 2021 5:27 am
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

Well, I guess I am the exception. Retired at 71, 15 years ago. Very dissatisfied from day one. I was tired, burned out, etc. Should have taken 6 mos off without pay. Just curious - so if you were bored from day one, why didn't you find work once you recharged? My wife enjoys part-time work after re...
by JoeRetire
Wed Apr 21, 2021 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Helping MIL buy a house - Delayed Financing?
Replies: 4
Views: 544

Re: Helping MIL buy a house

My MIL is looking to buy a house. The market is crazy. She may end up waiting until it cools down, but if she finds something perfect, she and we would want her to have a shot at getting it, and that means making a cash offer. Are cash offers the only way to get a home in your locale? Or is she una...
by JoeRetire
Wed Apr 21, 2021 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate of Social Security Spousal Survivor's Benefits?
Replies: 8
Views: 784

Re: Estimate of Social Security Spousal Survivor's Benefits?

... it is weird to think that the government is effectively encouraging me to not get married in the next four years. The government doesn't care what you do. But you should. Of course I should. I'll do what I desire to do. But I do wonder if there are any studies comparing the remarriage rate of w...
by JoeRetire
Wed Apr 21, 2021 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement?
Replies: 22
Views: 2820

Re: Early retirement?

I'm thinking about retiring soon after working 20+ years. Hubby will continue to work for income (~150K) and medical insurance, etc, for another maybe 10 years. I think we have enough. Thoughts and opinions? Thank you in advance to your input! What will you do with all your free time other than &qu...
by JoeRetire
Wed Apr 21, 2021 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 125
Views: 11827

Re: What Were Your Regrets after Retiring? (serious question)

For you retirees out there, what are some of the things you didn't anticipate going into retirement that you learned after, and perhaps had regrets wishing you had approached differently? I retired at 60. What I didn't realize was how easy it is to fill your day with things you want to do once you ...
by JoeRetire
Wed Apr 21, 2021 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate of Social Security Spousal Survivor's Benefits?
Replies: 8
Views: 784

Re: Estimate of Social Security Spousal Survivor's Benefits?

I'm sorry for your loss. Your daughter is receiving 75% of your deceased spouse's benefit amount. If you wait at least until your full retirement age to claim survivors benefits, you would be entitled to 100% of her benefit amount or about $2000. If you claim survivors benefits at 60, you would be ...
by JoeRetire
Wed Apr 21, 2021 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement?
Replies: 22
Views: 2820

Re: Early retirement?

I'm thinking about retiring soon after working 20+ years. Hubby will continue to work for income (~150K) and medical insurance, etc, for another maybe 10 years. I think we have enough. Thoughts and opinions? Thank you in advance to your input! What will you do with all your free time other than &qu...
by JoeRetire
Wed Apr 21, 2021 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer - Company won't put bonus info in offer letter or in writing
Replies: 39
Views: 3776

Re: Job Offer - Company won't put bonus info in offer letter or in writing

In the offer letter there was no mention of the bonus and when I asked if it could be included the response I received back was that 'we do not put in the offer letter'. The recruiter has already really rubbed me the wrong way through the negotiation process so I feel like I cannot trust anything t...
by JoeRetire
Wed Apr 21, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement?
Replies: 22
Views: 2820

Re: Early retirement?

I'm thinking about retiring soon after working 20+ years. Hubby will continue to work for income (~150K) and medical insurance, etc, for another maybe 10 years. I think we have enough. Thoughts and opinions? Thank you in advance to your input! What will you do with all your free time other than &qu...
by JoeRetire
Wed Apr 21, 2021 11:55 am
Forum: Investing - Theory, News & General
Topic: Hit Millionaire Status! [Does anyone shift when they hit a milestone?]
Replies: 76
Views: 8525

Re: Hit Millionaire Status!

My wife and I hit millionaire status this month when I updated our tracking spreadsheet. 31 with a net worth of $1million :D A nice start. I do have a question. I am feeling a little discouraged oddly enough. It is a great accomplishment but I feel like the hard work was still done for us "dow...
by JoeRetire
Wed Apr 21, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Estimate of Social Security Spousal Survivor's Benefits?
Replies: 8
Views: 784

Re: Estimate of Social Security Spousal Survivor's Benefits?

I'm sorry for your loss. Your daughter is receiving 75% of your deceased spouse's benefit amount. If you wait at least until your full retirement age to claim survivors benefits, you would be entitled to 100% of her benefit amount or about $2000. If you claim survivors benefits at 60, you would be e...
by JoeRetire
Wed Apr 21, 2021 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Social Security decsion
Replies: 21
Views: 2354

Re: Social Security decsion

I don’t think just calculating the dollar amount covers all cases here. Spreading the income out over the years (by claiming benefits early) could help to keep a person in a lower tax bracket for their remaining years. Yes. Lowering your income in your remaining years could put you in a lower tax b...
by JoeRetire
Wed Apr 21, 2021 11:36 am
Forum: Personal Investments
Topic: Question on claiming SS on deceased spouse
Replies: 4
Views: 583

Re: Question on claiming SS on deceased spouse

txinga wrote: Wed Apr 21, 2021 10:45 am So much easier if you knew the day you were going to die...
Yup!
by JoeRetire
Wed Apr 21, 2021 9:52 am
Forum: Personal Investments
Topic: Question on claiming SS on deceased spouse
Replies: 4
Views: 583

Re: Question on claiming SS on deceased spouse

Hello there heads that Bogle... Me 56 DW 57 I'm a little confused by this SS scenario. We're planning on DW claim at 62 and myself at 70 to max out the benefit. Check with https://opensocialsecurity.com/ to see if this would actually maximize your combined expected lifetime benefit. Neither DW nor ...
by JoeRetire
Wed Apr 21, 2021 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to get back to the grind?
Replies: 10
Views: 2212

Re: Do I need to get back to the grind?

IzItBo wrote: Tue Apr 20, 2021 11:58 am So, do I need to go back to work?
No. You don't want to ruin your work/life balance again.

If necessary, have your spouse work longer.
by JoeRetire
Wed Apr 21, 2021 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Social Security decsion
Replies: 21
Views: 2354

Re: Social Security decsion

Their conclusion is puzzling. And the explanation isn't clear. Does ORP deal with a married couple somewhere in their analysis? Does ORP consider how long this single 60 year old millionaire will live? So if you haven't taken a look at the ORP calculator - you should ( you can find it here https://...
by JoeRetire
Wed Apr 21, 2021 5:19 am
Forum: Investing - Theory, News & General
Topic: "Mortgage is a negative bond" - please help me understand
Replies: 303
Views: 15366

Re: "Mortage is a negative bond" - please help me understand

Thus I would instead prefer to use the phrase “your net home value is a bond.” I don't know if that's less confusing, but it's certainly less accurate. Your home isn't a bond. It's a real asset (i.e. "real estate") that does not produce a fixed amount of income. So it's not a bond. Again,...
by JoeRetire
Wed Apr 21, 2021 5:14 am
Forum: Personal Investments
Topic: Payoff Mortgage or Not?
Replies: 19
Views: 1603

Re: Payoff Mortgage or Not?

I never really experienced the "peace of mind" thing as the mortgage was always just another bill to pay each month and I had no more anxiety than I did with the electric bill. I agree. But many people attach special significance to the mortgage bill. Perhaps it has something to do with t...
by JoeRetire
Wed Apr 21, 2021 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Using a HELOC for real estate flipping
Replies: 12
Views: 1136

Re: Using a HELOC for real estate flipping

Jwulgaru wrote: Tue Apr 20, 2021 8:59 pmThe reason they could use some more cash is tied into a delay on one property holding up some of the capital as they are starting a build on another.
There seems to be a hint in there, somewhere...
by JoeRetire
Wed Apr 21, 2021 5:01 am
Forum: Personal Investments
Topic: Invest 120K now or wait for the crash?
Replies: 75
Views: 9952

Re: Invest 120K now or wait for the crash?

TropikThunder wrote: Mon Apr 19, 2021 9:58 pm
mnsportsgeek wrote: Sun Apr 18, 2021 8:51 pm What crash?
windaar wrote: Sun Apr 18, 2021 11:06 pmWhat crash?
mille424 wrote: Mon Apr 19, 2021 12:16 am What crash?
Solid posts there, appreciate your contribution to the thread. /s
Insightful comment, that.
by JoeRetire
Tue Apr 20, 2021 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security decsion
Replies: 21
Views: 2354

Re: Social Security decsion

Do any Bogelheads here have any comments on what the ORP website states ? Social Security Conventional Wisdom Why does ORP find no difference in disposable income between starting ss benefits at age 62 or age 70. Consider a single , retired 60 year old with $1M in tax-deferred savings and $30K in F...
by JoeRetire
Tue Apr 20, 2021 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Would You Stay in a Boring Government Job?
Replies: 110
Views: 6506

Re: How Long Would You Stay in a Boring Government Job?

This idea that you have to love your job is a very younger generation, romantic and for most, unrealistic notion. Yup, that's me - a very younger generation, romantic, unrealistic 67 year old. :oops: Maybe you oldsters think it's fine to "hate, hate, hate" your job. For younger folks like...
by JoeRetire
Tue Apr 20, 2021 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8414

Re: Medicare Advantage - What's the Deal?

I haven't read every message here, so forgive me if this has been stated. I'm a bit surprised that Bogleheads would consider Medicare Advantage except in very specific circumstances. First off, anything that advertises giving people additional services for free is obviously nonsense. How do you thi...
by JoeRetire
Tue Apr 20, 2021 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Using a HELOC for real estate flipping
Replies: 12
Views: 1136

Re: Using a HELOC for real estate flipping

I have some friends that run a partnership where the one who is a builder and has a team does the work on remodeling/new builds and the other provides a lot of capital for acquiring properties. I have an opportunity to join in on providing capital. So why do they need you? Particularly when you don...
by JoeRetire
Tue Apr 20, 2021 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Would You Stay in a Boring Government Job?
Replies: 110
Views: 6506

Re: How Long Would You Stay in a Boring Government Job?

I don't understand why anyone would stay in a job they hate, rather than pouring all their energies into a job they love. Some people don't have any choice. That's fair. Although I think most people have more choices than they realize. Certainly the OP does. Sometimes it takes effort to change jobs...
by JoeRetire
Tue Apr 20, 2021 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Would You Stay in a Boring Government Job?
Replies: 110
Views: 6506

Re: How Long Would You Stay in a Boring Government Job?

This idea that you have to love your job is a very younger generation, romantic and for most, unrealistic notion. Yup, that's me - a very younger generation, romantic, unrealistic 67 year old. :oops: Maybe you oldsters think it's fine to "hate, hate, hate" your job. For younger folks like...
by JoeRetire
Tue Apr 20, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Would You Stay in a Boring Government Job?
Replies: 110
Views: 6506

Re: How Long Would You Stay in a Boring Government Job?

I initially had a much longer post typed up, but basically it comes down to this. I have two jobs -- one that is meh but very easy (City government) and one that I love (my solo practice). I guess I'm just looking for a benchmark. Any advice appreciated. I don't understand why anyone would stay in ...