Search found 427 matches

by yohac
Sun May 09, 2021 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance dilemma
Replies: 37
Views: 2762

Re: Long term care insurance dilemma

She can afford this increase, of course. But how about the next one. The whole LTC insurance industry seems shady to me. I've heard too many stories of companies exiting the business, not to mention people having to fight for benefits at the time when they are most vulnerable.
by yohac
Sun May 09, 2021 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Please Weigh In, Can't Ask Anyone Else - Burial Planning
Replies: 52
Views: 4230

Re: Please Weigh In, Can't Ask Anyone Else - Burial Planning

So sorry you are facing this. Please do what brings you comfort. It's so unlikely that your children would be buried with you. Even if they don't get married, who knows what burial norms will be in the future. Even now, half the people in this thread are in the "just scatter my ashes" camp.
by yohac
Thu Apr 29, 2021 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Potential addl job responsibilities - request more pay?
Replies: 16
Views: 1694

Re: Potential addl job responsibilities - request more pay?

Tell your management that you are capable of taking on a second full-time job - but won't unless you get a raise? I just don't see that conversation ending in your favor. In my experience, saying you can take on more work only guarantees more work, not more pay.
by yohac
Wed Apr 28, 2021 11:33 am
Forum: Personal Consumer Issues
Topic: Backup (redundant) home internet service
Replies: 54
Views: 3953

Re: Backup (redundant) home internet service

What I kind of want is the TracFone of hot spot providers: Keep the hardware in reserve when I don't need it. Pay/activate it for a month when I do need it. Any suggestions? One possibility is hotspot over Visible cell service. Unlimited data, but many people complain about abysmal speed. No way to...
by yohac
Sat Apr 24, 2021 7:10 am
Forum: Personal Investments
Topic: Small cap value... am I too late to invest now?
Replies: 48
Views: 4770

Re: Small cap value... am I too late to invest now?

I am reading about forecasts of low S & P returns in the next 10 years, and am considering diversifying for that reason. As long as I can remember, the forecasts have always been for low returns. You have done well with your current allocation. Once you start slicing and dicing, the tweaking (u...
by yohac
Sun Apr 18, 2021 4:56 pm
Forum: Personal Consumer Issues
Topic: Selling old car - CarMax etc.
Replies: 66
Views: 5586

Re: Selling old car - CarMax etc.

ballons wrote: Sun Apr 18, 2021 4:07 pm I can only speak for Carmax and they are great for selling; however, I was under the impression they won't touch anything older than 8 years. I seriously doubt the offer they gave.
Just a data point, they paid me $3600 for my 2007 Corolla yesterday.
by yohac
Sun Apr 18, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?
Replies: 50
Views: 6001

Re: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?

Ultimately, through arbitrage, I expect to make a few hundred dollars. This is for my own entertainment, and my goal is to keep me from having the urge to fiddle with my investments. I'm a rat that needs to gnaw on something. I was cured of the itch to chase "free" money the first time th...
by yohac
Fri Apr 16, 2021 9:42 am
Forum: Personal Investments
Topic: Insane Roth conversion Idea to qualify for max ACA subsidies
Replies: 10
Views: 1201

Re: Insane Roth conversion Idea to qualify for max ACA subsidies

Even if the numbers seem to look good now, that's a huge upfront layout based on assumptions about the future. Not a bet I would make. People dread RMD's but there are worse problems.
by yohac
Thu Apr 15, 2021 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7308

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

Would you let someone you don’t know drive off with your car for an uncashed check as collateral? I wouldn't, but the last few dealerships I've bought cars from allowed exactly that. They said "no worries, we know where you live." No credit check either, but they did scan our drivers lice...
by yohac
Wed Apr 14, 2021 6:07 am
Forum: Investing - Theory, News & General
Topic: What important truth do very few people agree with you on?
Replies: 5
Views: 1053

Re: What important truth do very few people agree with you on?

More than 1% of people believe the world is flat. Someone with a 1% "truth" must be either brilliantly insightful, or wrong.
by yohac
Mon Mar 22, 2021 1:11 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting a cellphone for the first time
Replies: 24
Views: 2729

Re: Thinking of getting a cellphone for the first time

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...
by yohac
Wed Mar 10, 2021 5:47 pm
Forum: Personal Investments
Topic: Help please. Being forced to retire early..
Replies: 87
Views: 10201

Re: Help please. Being forced to retire early..

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...
by yohac
Thu Feb 25, 2021 9:23 pm
Forum: Personal Investments
Topic: How should I use an IRA investment that guarantees 3%?
Replies: 28
Views: 2504

Re: How should I use an IRA investment that guarantees 3%?

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%.
by yohac
Mon Feb 01, 2021 8:58 am
Forum: Personal Consumer Issues
Topic: Free Cable Channels - legit?
Replies: 3
Views: 595

Re: Free Cable Channels - legit?

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.
by yohac
Sun Jan 31, 2021 8:39 am
Forum: Personal Finance (Not Investing)
Topic: steps to become independent contractor?
Replies: 48
Views: 2328

Re: steps to become independent contractor?

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...
by yohac
Thu Jan 28, 2021 11:56 am
Forum: Personal Finance (Not Investing)
Topic: steps to become independent contractor?
Replies: 48
Views: 2328

Re: steps to become independent contractor?

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.
by yohac
Sat Jan 16, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: ACA plan vs employer retiree plan
Replies: 33
Views: 2028

Re: ACA plan vs employer retiree plan

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...
by yohac
Thu Jan 14, 2021 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Identity Protection PIN
Replies: 100
Views: 6317

Re: IRS Identity Protection PIN

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.
by yohac
Wed Jan 13, 2021 7:09 am
Forum: Personal Consumer Issues
Topic: Calling all Amica insurance people. Will I get a discount for pleasure driving?
Replies: 11
Views: 1278

Re: Calling all Amica insurance people. Will I get a discount for pleasure driving?

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.
by yohac
Tue Jan 12, 2021 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Got a job offer for $840k/yr. Should I come out of retirement?
Replies: 229
Views: 29263

Re: Got a job offer for $840k/yr. Should I come out of retirement?

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.
by yohac
Sun Jan 03, 2021 3:23 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 104
Views: 9689

Re: AAA - American Auto Assn - Service has gone way down

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.
by yohac
Sun Jan 03, 2021 12:54 pm
Forum: Personal Consumer Issues
Topic: Cheapest backup phone option
Replies: 3
Views: 284

Re: Cheapest backup phone option

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.
by yohac
Fri Jan 01, 2021 10:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile Check Deposit - Can I use this for my Fidelity 401k to Vanguard IRA rollovers?
Replies: 15
Views: 1251

Re: Vanguard Mobile Check Deposit - Can I use this for my Fidelity 401k to Vanguard IRA rollovers?

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.
by yohac
Tue Dec 22, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8348

Re: 6 years to college degree?????

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...
by yohac
Wed Dec 16, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: Excess CAPE Yield; new Shiller metric
Replies: 35
Views: 3374

Re: Excess CAPE Yield; new Shiller metric

Apparently we need a new metric because the old one hasn't been working so well lately. In other words, moving the goal post.
by yohac
Tue Dec 15, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Vanguard 2 Factor Not Working?
Replies: 10
Views: 659

Re: Vanguard 2 Factor Not Working?

It's working normally for me. Maybe try disabling 2FA, logging out, then log back in and re-enable?
by yohac
Fri Dec 11, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: I feel like my friend is about to make a massive financial mistake
Replies: 153
Views: 22446

Re: I feel like my friend is about to make a massive financial mistake

"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...
by yohac
Fri Dec 11, 2020 6:56 am
Forum: Personal Consumer Issues
Topic: Free Masters in Computer Science - worth it?
Replies: 26
Views: 2571

Re: Free Masters in Computer Science - worth it?

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.
by yohac
Fri Dec 11, 2020 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Your opinion: Should my wife quit?
Replies: 38
Views: 3131

Re: Your opinion: Should my wife quit?

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...
by yohac
Thu Dec 10, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today & tomorrow (Sat/Sun Dec. 5/6)
Replies: 49
Views: 11112

Re: Target gift cards 10% off today & tomorrow (Sat/Sun Dec. 5/6)

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.
by yohac
Wed Dec 09, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Best deal for 3 mobile phones/lines? (Teacher discount can apply).
Replies: 31
Views: 1372

Re: Best deal for 3 mobile phones/lines? (Teacher discount can apply).

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, ...
by yohac
Wed Dec 09, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Best deal for 3 mobile phones/lines? (Teacher discount can apply).
Replies: 31
Views: 1372

Re: Best deal for 3 mobile phones/lines? (Teacher discount can apply).

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.
by yohac
Tue Dec 08, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Hunting Land
Replies: 102
Views: 8317

Re: Purchasing Hunting Land

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.
by yohac
Mon Dec 07, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: I feel like my friend is about to make a massive financial mistake
Replies: 153
Views: 22446

Re: I feel like my friend is about to make a massive financial mistake

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 ...
by yohac
Mon Dec 07, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: How to tell boss I’m approaching burn out?
Replies: 25
Views: 3117

Re: How to tell boss I’m approaching burn out?

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 ...
by yohac
Sun Dec 06, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Hate My Job
Replies: 239
Views: 21310

Re: Hate My Job

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...
by yohac
Sun Dec 06, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Hate My Job
Replies: 239
Views: 21310

Re: Hate My Job

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?
by yohac
Sun Dec 06, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Hate My Job
Replies: 239
Views: 21310

Re: Hate My Job

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 ...
by yohac
Wed Nov 25, 2020 5:08 pm
Forum: Investing - Theory, News & General
Topic: Website problem: Cannot perform transactions
Replies: 36
Views: 2117

Re: Website problem: Cannot perform transactions

The website has had a bad run lately, no question. Have people found the app (iOS or Android) to be more reliable?
by yohac
Thu Nov 19, 2020 5:06 am
Forum: Personal Consumer Issues
Topic: Cheapest *short-term* cell/data plan?
Replies: 4
Views: 538

Re: Cheapest *short-term* cell/data plan?

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...
by yohac
Wed Nov 18, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Happily retired but seriously considering going back to work
Replies: 78
Views: 6675

Re: Happily retired but seriously considering going back to work

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/...
by yohac
Thu Nov 12, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 580
Views: 148665

Re: If your net worth is over $3 million, how did you do it?

Never made 6 figures, but finally got there by saving like crazy. And by not having kids, the most expensive form of entertainment.
by yohac
Tue Nov 03, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: cell phone plan request (~500 mb/month data only; no voice/text)
Replies: 32
Views: 1592

Re: cell phone plan request (~500 mb/month data only; no voice/text)

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.
by yohac
Sun Oct 18, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Windows 10 very slow (2 year old Dell Desktop)
Replies: 76
Views: 4636

Re: Windows 10 very slow (2 year old Dell Desktop)

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.
by yohac
Fri Oct 16, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: MVNO on Verizon network...moving away from Ting
Replies: 54
Views: 4798

Re: MVNO on Verizon network...moving away from Ting

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.
by yohac
Fri Oct 16, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: MVNO on Verizon network...moving away from Ting
Replies: 54
Views: 4798

Re: MVNO on Verizon network...moving away from Ting

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.
by yohac
Tue Oct 13, 2020 12:23 pm
Forum: Personal Investments
Topic: [Frustrated with TIAA, thinking about moving some money]
Replies: 25
Views: 1469

Re: ngFrustrated with TIAA, thinking about movi some money

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...
by yohac
Thu Oct 08, 2020 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20966

Re: Is programming still a valuable skill to learn?

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...
by yohac
Tue Oct 06, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Two Job Offers - Please Help!
Replies: 43
Views: 3451

Re: Two Job Offers - Please Help!

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...