Bogleheads.org

yohac

More than 1% of people believe the world is flat. Someone with a 1% "truth" must be either brilliantly insightful, or wrong.

yohac

If this is for receiving calls at home, you can get a Google Voice number for free (or transfer an existing mobile number for $20) and use the Google Voice app on your phone or the Google Voice website on you computer to make and receive calls over Voice Over IP (VOIP). Google Voice also has a scre...

yohac

If you can't cancel the card, at least lock it.

yohac

I've already had 2 interviews (Advance Capital and Edward Jones) Don't ever talk to them again. You can manage this yourself easily. Assuming the annuity is not inflation adjusted, I'd probably roll the lump sum into an IRA, perhaps a sensible balanced fund like Vanguard Life Strategy Moderate, and...

yohac

JoMoney wrote: ↑Thu Feb 25, 2021 8:48 pm If this really is an an IRA, can anyone open an IRA at TIAA? Seems like this "guaranteed 3%" account would be pretty popular with the currently poor rates available.

It would be immensely popular, but unfortunately the guaranteed rate in an IRA is only 1%.

yohac

This page says it's not legit, but without much specific info: https://www.digitbin.com/topics/watchnewslive-tv/

It certainly fails the common sense test.

yohac

For a retiree situation, perhaps consider being a part-time WFH employee. That's what I did. Simpler, but I still set my own hours and can refuse anything I don't want to do. Although the contractor route is probably more lucrative. All depends on what your employer is open to. There are two very i...

yohac

For a retiree situation, perhaps consider being a part-time WFH employee. That's what I did. Simpler, but I still set my own hours and can refuse anything I don't want to do. Although the contractor route is probably more lucrative. All depends on what your employer is open to.

yohac

It sounds like your company is trying to direct retirees to ACA plans. Your analysis is correct. Depending on your level of yearly medical expenses, the Bronze level ACA plan will likely do well for you, and usually qualifies for HSA contributions. Qualifies for HSA - can you contribute if not work...

yohac

AAA wrote: ↑Thu Jan 14, 2021 5:50 pm What is a burner-type cell phone? I have an iPhone through Verizon Wireless.

When I registered a few years ago, they would only accept postpaid phone numbers, with a contract under your name. A prepaid T-Mobile number was not good enough, let alone something like Tracfone.

yohac

It may vary by state, but all they asked me was annual mileage, not type of miles. And 6000 miles per year got me no discount.

yohac

Lowlim wrote: ↑Tue Jan 12, 2021 8:40 pm If I don't take this job, and something catastrophic and unforeseen happens in the future, I might regret not making the extra money.

If that's the standard, no one would ever voluntarily retire. Given your situation, I wouldn't even consider taking on such stress.

yohac

tc101 wrote: ↑Sun Jan 03, 2021 1:39 pm Is there some number you could call in an emergency and just pay for whatever service is needed?

Chances are you have a credit card that provides pay-per-use roadside assistance.

yohac

walkabout wrote: ↑Sun Jan 03, 2021 12:48 pm I know that many people on BH do use GV for 2FA.

I'm one of them. No phone required. It is true though that some sites will not accept GV numbers for 2FA.

yohac

Inverse_The_Inverse wrote: ↑Fri Jan 01, 2021 7:21 pm Will I be able to deposit these three checks into my Vanguard IRAs via the mobile check deposit feature in the mobile app?

Yes. I've done that a couple times.

yohac

My school was heavy on AP classes, so I transferred in 30 hours and graduated college in 3 years. Unfortunately my school capped my AP credits at 30 hours. It seems with programs like AP, IB, and dual enrollment we should see years to graduate going down. Same here, 3 years, including a change in m...

yohac

Apparently we need a new metric because the old one hasn't been working so well lately. In other words, moving the goal post.

yohac

It's working normally for me. Maybe try disabling 2FA, logging out, then log back in and re-enable?

yohac

"Green Acres is the place for be! Farm livin' is the life for me." I grew up on a farm. Farming was the first career path I absolutely ruled out. Farm work is HARD. Backbreaking. Long hours in the heat. And even with all that work, farms with generations of experience are going broke. Eve...

yohac

HawkeyePierce wrote: ↑Thu Dec 10, 2020 7:24 pm FWIW, my employer (big tech co) does not consider an MS in CS to be any better than a BS on our hiring rubric.

Agreed, the BS opens the door. After that only experience matters. No doubt there are exceptions, but not many.

yohac

My wife was a per diem and part-time nurse late in her career. Generally it was fairly easy to pick up per diem work. So this isn't as big a decision as it would be for a job with benefits. The only real issue after she stopped was a sense of loss of control, that she wasn't making any money "o...

yohac

johndeer856 wrote: ↑Thu Dec 10, 2020 5:15 pm Anyone not receive their gift card in the mail yet? When I ordered a gift card, it said it would arrive by Wednesday, but I haven’t received it yet. Also, I received an email on Sunday saying it shipped with tracking info from USPS, but the tracking number doesn’t exist.

Ditto, still waiting.

yohac

It really depends on whether you have a preference on network, how much customer service and how much data you need. My DW uses zero data, and 1 GB a month is plenty for me. No preference. Probably mostly use wifi, so not a lot of data... In that case you might consider T-Mobile's most basic plan, ...

yohac

It really depends on whether you have a preference on network, how much customer service and how much data you need. My DW uses zero data, and 1 GB a month is plenty for me.

yohac

Dontwasteit wrote: ↑Sun Dec 06, 2020 8:46 pm Lots of trespassers. Hunters and ATV's and others.

Even more brazen, illegal logging. Happened to a co-worker. He caught it on film and sued, but even with triple damages he said he lost money.

yohac

So, basically a commune but made even less economically viable with separate homes. Wow. I would ask just once "Would you like my opinion?" and then drop it forever. They more fundamentally reject (capitalism) and specifically feel like they want to have a different way of doing things in ...

yohac

Speaking as one who has been there, you are already being taken advantage of. Managers often keep piling on until the worker finally pushes back. Otherwise they just assume everything is fine. You have to stop volunteering and learn to say No, or at least to ask "what should I put off so I can ...

yohac

Its always a personal choice but I would never suggest that someone 'fake' anything related to their life in order to gain a benefit. +1, that's arguably fraud. If I was the OP's employer I would contest such a claim. After 26 years, he's suddenly unable to meet performance standards? Companies use...

yohac

smitcat wrote: ↑Sun Dec 06, 2020 1:55 pm Its always a personal choice but I would never suggest that someone 'fake' anything related to their life in order to gain a benefit.

+1, that's arguably fraud. If I was the OP's employer I would contest such a claim. After 26 years, he's suddenly unable to meet performance standards?

yohac

The OP has two choices: stick with a job that he hates to the point that it's hurting his health or retire now and potentially spend down a significant chunk of his portfolio over the course of the next 10-13 years, at which point portfolio withdrawals will greatly shrink. I know which one I would ...

yohac

The website has had a bad run lately, no question. Have people found the app (iOS or Android) to be more reliable?

yohac

I don't know of any service that allows you to activate it and let it sit on standby with no payment. (Edit: Except TextNow, but that runs on Sprint and you have to make a call or text periodically to keep the number active.) Nor can you buy a SIM and stash it away for months or years before activat...

yohac

Agree with the part-time. If you don't need the money, you can dictate the conditions and they can come back with how much it's worth to them. I work when I feel like it, 100% remote, and I turn down projects that don't interest me. In return they pay me a below market hourly rate. So far after 2 1/...

yohac

Never made 6 figures, but finally got there by saving like crazy. And by not having kids, the most expensive form of entertainment.

yohac

Hello Mobile now uses T-Mobile towers, and has a 5 dollar monthly plan with 500 meg and 500 minutes. About as cheap as it gets for real phone service and data without prepaying for a year. Of course at that price you can't expect much support. I used them for awhile with no issues.

yohac

If it's that slow, I'd suspect a rogue program is sucking up all your CPU. Try Ctrl-Alt-Delete then click Task Manager. You may be able to find the culprit.

yohac

Yes, I use Visible. Great coverage on my rare road trips. Data speed is generally not great at home, especially in the evening, but otherwise no complaints.

yohac

Visible is probably the best Verizon MVNO for a heavy user. Actually it's not a true MVNO as Verizon owns it. Otherwise there are several options, like Page Plus, Tracfone and Red Pocket.

yohac

I guess the telephone is better than sending forms back and forth. I'm still new to this retirement thing. I was hoping it would be point and click. Live and learn I found them irritating too. They do have electronic forms for almost everything. But when it comes to taking money out, you have to di...

yohac

Is programming still a valuable skill? It seems like everybody is doing tech/ programming and salaries are going down, almost everyone who loses their job or wants to change careers is being to told to learn to code. GOOD programmers, or even competent ones, are still valuable. In my experience, ve...

yohac

Strict 40hr/week schedule. Are you absolutely sure of that? Saving the world is a romantic notion, but in my experience, a non-profit job is not necessarily less stressful. In 2008-09 everyone was asked to help out with everything, including fundraising. "All hands on deck" they said. Con...

yohac

Before DW found the fob she thought she lost, we were going to try Batteries Plus (https://www.batteriesplus.com/service/k ... eplacement) and if that didn't work, Ace Hardware.

yohac

I've used Visible off and on. I had no functional problems, they honored their gift card, and the price point is hard to beat. Anecdotally they've had some issues porting numbers in the past, not sure if that's still the case. They are on the Verizon network (as is TW I believe) but their data is de...

yohac

Whether 30K will hold you for six months depends on your expenses.

You can leave your 401K at your current employer, and considering your frayed nerves, that might be best for now. You can always move it later.

yohac

delete

yohac

Unless there's something in the condo rules, you can't do much. A fan big enough to make any difference would be intolerably loud. No smoker I've ever known would respond favorably to a neighbor asking him not to smoke on his own property.

yohac

lecithar wrote: ↑Sat Sep 19, 2020 3:25 am What is the value of 10 years of life?

If having a job equates to no life at all, as in a prison sentence, then it would probably be worth a permanently lowered standard of living. Not sure most would frame employment in those terms though.

yohac

It may well work out okay, but it sounds like the underlying issue is burnout or ennui with a 180K relatively low stress job. Calling in retired seems like a pretty drastic solution.

yohac

My hobby is I like to just think about stuff. Seriously. I want to spend all day thinking about random topics that have caught my attention. This is why I think a job is not ideal for me, because it limits the time I have each day to just think. Respectfully, I think you should keep renting. Home m...

yohac

If the full amount hasn't already been deducted, your employer may allow you to make a mid-year change, taking no further deductions. This is a rule change due to COVID. Also your employer may allow you to rollover $500 to 2021.

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