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Re: Gas Prices ($1.99) in North Texas

Crimsontide wrote:Quick update, paid $1.89 a gallon this morning.


$2.90 here in WNY.We tend to have the highest prices in the country :(
by joe8d
Sun Dec 21, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 2812

Re: Barclays - Increased Savings APY from 0.90% to 1.00%!

The good news is the trend is UP on the Onlines.
by joe8d
Fri Dec 19, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays - Increased Savings APY from 0.90% to 1.00%!
Replies: 6
Views: 1078

Re: Happy with Barclays savings account?

Barclays just raised the Online Savings Account rate from 0.9% to 1.0%.
by joe8d
Fri Dec 19, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 22
Views: 8908

Re: Is it safe to use a credit card at Target?

I've never stopped using my Target Debit card and had no problems.
by joe8d
Fri Dec 19, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 1684

Re: Gas Prices ($1.99) in North Texas

2.94 here.
by joe8d
Thu Dec 18, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 2812

Re: Relocating to Florida - Need some advice

When I first saw that heading,I thought the poster may have been Fidel :happy
by joe8d
Thu Dec 18, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2721

Re: Flagship

navyitaly wrote:It means the investor is a millionaire in basically cash..not home equity so I think right there is something commendable.


Yep!
by joe8d
Thu Dec 18, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship
Replies: 22
Views: 2872

Re: Am I in two many investments.

I wonder if I am in to many funds?


Probably just putting it all in Life Strategy Moderate ( 60/40 ) might be the better approach.
by joe8d
Wed Dec 17, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in two many investments.
Replies: 17
Views: 1753

Re: WHY is retirement enjoyable / something to look forward

Forced into retirement over 10 years ago and don't agree with the subject statement.
by joe8d
Tue Dec 16, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 9018

Re: "Vanguard converting mutual fund accounts to brokerage?

I'm Flagship ( Mutual Funds only ) and never got a request to change to Brokerage. My Brother,Covered under my Flagship, did.
by joe8d
Mon Dec 15, 2014 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 252
Views: 16853

Re: How do you factor entitlements into your investing plan?

I'm curious how other people here factor in programs like Social Security and Medicare into their overall financial and investing plans.


Been retired 10 years and those 2 programs have been all I needed.
by joe8d
Sat Dec 13, 2014 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 52
Views: 4489

Re: "Why Retirement at 65 is a Fairy Tale"

lululu wrote:
joe8d wrote:
flyingaway wrote:Most people will be OK with social security and medicare, they do not need to take cruises every year to be retirees.


+1


Who are these people living comfortably on $20,000 a year?


I do.
by joe8d
Thu Dec 11, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11571

Re: "Why Retirement at 65 is a Fairy Tale"

If folks have to keep working past 65, their will be no job openings for younger folks. Twenty years from now the crap is really gonna hit the fan in this country. I do not believe in fairytales. You are assuming those 65 year olds keep their jobs. Past history suggests most them will get laid off ...
by joe8d
Wed Dec 10, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11571

Re: "Why Retirement at 65 is a Fairy Tale"

flyingaway wrote:Most people will be OK with social security and medicare, they do not need to take cruises every year to be retirees.


+1
by joe8d
Wed Dec 10, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11571

Re: Vanguard Turbo Tax prices anounced

It's absurd to call a tax filing product "Deluxe" and not include Schedule D.


Yes. I used free TaxAct last year and it had Schedule D.
by joe8d
Tue Dec 09, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7781

Re: If you don't need the Soc Sec, when to start taking it?

Toons wrote:I didn't over think the issue. I didn't "need" the monthly SS check to survive,but I decided to take it as soon as I turned 62,never looked back,no regrets over 2 years later. :happy


+1. Took mine at 62.5 and 72 now.
by joe8d
Mon Dec 08, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4256

Re: If you don't need the Soc Sec, when to start taking it?

Bogleheads often advocate taking SS later, but mostly that is to ensure the surviving spouse is well taken care of. Actuarialy, it is supposed to not matter that much.


Yes, for single people that's not an issue.
by joe8d
Mon Dec 08, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4256

Re: Bogle Advises Investing No More Than 20% Outside U.S.

As Bogle says, if you want to do it don't invest more than 20% in international. He also points out that isn't enough to make much difference, but if it makes you feel better then do it. If you want it to make a difference, then invest 50% or more in international. But be prepared for the differenc...
by joe8d
Mon Dec 08, 2014 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11563

Re: Bogle Advises Investing No More Than 20% Outside U.S.

john94549 wrote:We've always been roughly 15 - 20% international. This year has been sub-par, but not so much I'd throw in the towel.


Same here.International is down for the same reason gas prices are down:Stronger dollar.
by joe8d
Fri Dec 05, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11563

Re: What Movie Have You Recently Watched?

david99 wrote:I recently saw The Book Thief. I thought that it was a really good movie --- it was about WWII so it's tragic but still very good.


+1
by joe8d
Fri Dec 05, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 262
Views: 28963

Re: Vanguard Turbo Tax prices anounced

mickeyd wrote:
Flagship Services and Asset Management Services clients will receive complimentary access to the Federal: Basic, Federal: Deluxe, and State: Basic products.


Looks like it's free for Flagship folks once again.


Yea!!! :D
by joe8d
Fri Dec 05, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7781

Re: Where do you shop for groceries?

Tops and Wegmans,the 2 major supermarkets here.
by joe8d
Thu Dec 04, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 6081

Re: Why does Buffett like S&P not Total US Market?

Why would you assume that WB has any idea that a total stock market fund exists? I can certainly imagine that he might never have heard of one, or that he forgot about it if he did.
tibbitts


Yes.
by joe8d
Wed Dec 03, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Buffett like S&P not Total US Market?
Replies: 29
Views: 2706

Re: Why does Buffett like S&P not Total US Market?

oneleaf wrote:My guess is because it is a famous index that everyone has heard of. I would not put too much weight on his preference of one over the other.


Exactly.
by joe8d
Wed Dec 03, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Buffett like S&P not Total US Market?
Replies: 29
Views: 2706

Re: Will Vanguard ever offer a passbook savings account?

It would have be Online only to pay out the interest rates we would want.
by joe8d
Tue Dec 02, 2014 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard ever offer a passbook savings account?
Replies: 36
Views: 2365

Re: Will Vanguard ever offer a passbook savings account?

Not going to happen. The way a bank makes money on deposits, Checking but especially Savings, to to create a loan portfolio that uses those funds as the source to support the loans. That would put Vanguard in the lending business, a place where they surely don't want to be - way outside their core ...
by joe8d
Tue Dec 02, 2014 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard ever offer a passbook savings account?
Replies: 36
Views: 2365

Re: Am I a job hopper?

42 years with my regular job and now 8.5 years and still working with my retirement job.
by joe8d
Tue Dec 02, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a job hopper?
Replies: 50
Views: 4589

Re: Documentaries to recommend?

Dadarkar wrote:As whomever suggested I will watch anything Ken Burns makes !
Roosevelt's recently aired on PBS is a masterpiece


+1
by joe8d
Mon Dec 01, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 88
Views: 7468

Re: How much to have Vanguard withhold on RMD

I do 10%, but also pay quarterly estimated tax based on 100% of previous years tax liability.
by joe8d
Sat Nov 29, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to have Vanguard withhold on RMD
Replies: 36
Views: 2657

Re: Good WSJ Article-International Investing

I'm surprised that the article praises the international market giving better return than the US market in certain periods but it doesn't go beyond that to explain a possible why. During those two periods, US dollar became weaker. International TR can be "fake" because of currency fluctua...
by joe8d
Sat Nov 29, 2014 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: Good WSJ Article-International Investing
Replies: 4
Views: 1232

Re: Simplifying your finances: Practical tips

Tip Group Number 1: Consolidate all your transactions to one checking account. Cancel all your money market accounts. Put all your income as automatic transactions in your checking account. Put all your monthly liabilities as automatic transactions in your checking account. The idea here is that yo...
by joe8d
Thu Nov 27, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simplifying your finances: Practical tips
Replies: 28
Views: 4000

Re: Being woken up by neighbors above me

It`s a law that a certain amount of floor space must be carpeted. Tell the management company to check this out. It doesn`t pay to fight with neighbors. That's news to me. Is this something that is state-specific? Or by local ordinance? Have heard of minimum heat requirements, potable water supply,...
by joe8d
Wed Nov 26, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6306

Re: Tim Horton shareholder - what to do about Burger King Me

I have shares in Tim Horton and not sure what to do about the merger. Should I vote for it? and has an investor how will I make out if it goes through. I see there will be different choices to make about how you want to take the money but it is confusing. Anyone that can give me some input please l...
by joe8d
Wed Nov 26, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tim Horton shareholder - what to do about Burger King Merger
Replies: 14
Views: 2065

Re: Wisdom: When to drop disability insurance?

I dropped mine when I became eligible for Social Security at age 62,


Same here.
by joe8d
Tue Nov 25, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wisdom: When to drop disability insurance?
Replies: 11
Views: 1224

Re: Redbox price increase (Dec. 2)

Get them free at the library.
by joe8d
Mon Nov 24, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Redbox price increase (Dec. 2)
Replies: 2
Views: 914

Re: What-If Planning Advice

BahamaMan wrote:
Peterjens wrote: I used Vanguard's free online Turbo Tax last year (Flagship perk)


How do I get to the Vanguard's free online Turbo Tax? - I tried to find it to no avail.


Not available yet for 2014.
by joe8d
Mon Nov 24, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What-If Planning Advice
Replies: 9
Views: 1031

Re: Do you use a phone book?

Yes.Use phone book and have a landline phone :happy
by joe8d
Sun Nov 23, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2139

Re: Jim Cramer dad & LTCI

flyingaway wrote:That is exactly my concern about LTCI and SPIA products.

:thumbsup
by joe8d
Fri Nov 21, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3593

Re: Employer switching to new retirement plan

I wish I had these options! If I did, I would put all my money into Vanguard Life Strategy Moderate Growth (60 percent stocks/40 percent bonds) and forget about it for a while because that is the asset allocation I want right now. If I wanted to be more conservative I would go with Vanguard Life St...
by joe8d
Fri Nov 21, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer switching to new retirement plan
Replies: 12
Views: 1324

Re: Will stocks beat bonds over next 30 years?

Tycoon wrote:Yes, stocks will beat bonds over the next 30 years.


Agree.
by joe8d
Fri Nov 21, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 65
Views: 5872

Re: Thinking about retiring next year

Kid in College ! Keep working your regular job.
by joe8d
Fri Nov 21, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about retiring next year
Replies: 16
Views: 2207

Re: portfolio suggestions for the truly aged.

livesoft wrote:My mom was 100% stocks because bonds are so boring. It is possible there is nothing wrong with 100% stocks at her age. Can she meet her goals if stocks dropped in value by 50%? Probably, don'tcha think?


Agree.
by joe8d
Fri Nov 21, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio suggestions for the truly aged.
Replies: 20
Views: 2335

Re: Proposed Lifetime Retirement Investment Approach

What do you think about this lifetime retirement investment approach?

MichDad

Looks good to me.
by joe8d
Fri Nov 21, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 2601

Re: The Bogleheads Have Taken Over

Location: Greatest Snow On Earth


Check out where I live :happy
by joe8d
Fri Nov 21, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: The Bogleheads Have Taken Over
Replies: 8
Views: 2401

Re: Rick Ferri 60/40 portfolio

Life Strategy Moderate will give the 3 fund portfolio in the 60/40 proportion in one fund. I do like Ricks options for the "Bond" portion :

BND for bonds or a comparable fund (or CD ladder)
by joe8d
Thu Nov 20, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4513

Re: thinking of opening a franchise

hicabob wrote:I always though that the advice to "work in one first" is probably a very good idea for someone considering a franchise.


+1
by joe8d
Thu Nov 20, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: thinking of opening a franchise
Replies: 21
Views: 3143

Re: Vanguard launches new offering ... [Vanguard merchandise

barnaclebob wrote:Maybe they'll start offering them for free when you get voyager select or flagship status.


Yes.
by joe8d
Thu Nov 20, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 13107
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