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Re: Poor Janus, a look at this once high flying fund family

I did own the Janus Fund and Janus Venture back in those days.
by joe8d
Fri Aug 29, 2014 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 40
Views: 3572

Re: Only need $315k non-retirement $ to retire at Age 43?

I marvel that so many relatively young people are so desperate to stop working. Isn't there a job that you're qualified for that you'd enjoy doing?


Yes, I'm 72 and still work P/T because I like to.
by joe8d
Thu Aug 28, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Only need $315k non-retirement $ to retire at Age 43?
Replies: 36
Views: 4985

Re: Own the same fund in multiple accounts?

livesoft wrote:Perfectly OK and natural. Why wouldn't it be?


Yes.I own several across different accounts.
by joe8d
Thu Aug 28, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Own the same fund in multiple accounts?
Replies: 9
Views: 908

Re: A Primer on John Templeton

Sir John got me interested in International Investing way back when.
by joe8d
Thu Aug 28, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: A Primer on John Templeton
Replies: 15
Views: 1121

Re: My husband's " WILL", $ left for me to live on....

He is a cash poor but I know he is not broke. In some wired twisted way, I wish if he was actuary financially broke though. My guess is that as you dig, he will be closer to broke than you currently think he is. He might not be broke, just closer to it. I assume that he has a lot of that 7 million ...
by joe8d
Thu Aug 28, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 239
Views: 13317

Re: Donald Trump - The Apprentice

More interested in his current bidding to become the new owner of the Buffalo Bills.
by joe8d
Thu Aug 28, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1528

Re: Ally Bank CD

I've held a CD ladder with Ally as well as a savings account. I've since cashed in one CD upon the renewal date because they have lowered their bonus amount for renewing. As the other three CD's come due I plan not to renew them and I will transfer the cash back to my taxable Vanguard MM fund for f...
by joe8d
Wed Aug 27, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1534

Re: Ally Bank CD

I've had a 1 year CD Ladder ( 4 CD's ,3 Mo. apart ) for several years w/NP. Given current very low rates for CD's ,I would recommend the Online Saving Account instead.
by joe8d
Wed Aug 27, 2014 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1534

Re: Bad(?) advice given about Target Date Retirement funds

Although we all agree that for the average Boglehead, buying the 4 funds inside the TR funds, getting the admiral shares, rebalancing yourself, keeping the ones that create the most taxable events in your tax-advantaged accounts, is the best way to go. I'm not sure we all agree with that. I know I ...
by joe8d
Wed Aug 27, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6349

Re: Savers vs. Spenders: Default Mode

tainted-meat wrote:I think it's hard for most people to save because most people just don't make that much money.

In my opinion, saving is more of a privilege than a norm.


Very true.
by joe8d
Tue Aug 26, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2173

Re: Portfolio advice for Mom at 86 years

Never thought I'd say this, but I'm inclined to agree, leave it alone. Vanguard and low cost investing are helpful in the growth phase (including early retirement). But not much is to be gained in the last ten years or so if the current situation is sustainable. Moving all the money around will cau...
by joe8d
Tue Aug 26, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 1763

Re: Schwab - now endorsing Index Funds

I have a booklet written by Charles Schwab 20 years ago, advocating Index Funds.
by joe8d
Tue Aug 26, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 2086

Re: 87 Year Old Grandmother Has $600,000 In the Bank

I have two comments… 1. In my experience with older family members with sizable nest eggs, they have acquired them and are generally comfortable with how they are invested. So long as they are not getting ripped off, their needs are met, and they are not taking excessive risk, I do not offer unsoli...
by joe8d
Mon Aug 25, 2014 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5461

Re: World news daily videos online

24 hr news:CNN, MSNBC, FOX.
by joe8d
Fri Aug 22, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: [Online] World news [show?]
Replies: 9
Views: 659

Re: Is the Aggregate Index Too Heavy in Treasuries?

Anyway IMO TBM funds are a dog's breakfast for which I don't understand the appeal, once and if one accepts that 'own the whole market' has less significance in fixed income than equity. Interesting. Why do you believe that owning the market is less important in fixed income? The market decides the...
by joe8d
Fri Aug 22, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Aggregate Index Too Heavy in Treasuries?
Replies: 63
Views: 2896

Re: POLL: Age for Collecting Social Security Benefits

Bustoff wrote:Jeez, I try to give a lighthearted nod to Dirty Harry and I get shot down.


+1 to your Dirty Harry reference :D and your logic.In my case,I didn't feel lucky.
by joe8d
Fri Aug 22, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7353

Re: "The Bogleheads' Guide to Investing -- Second Edition"

"Charles J Givens wrote several huge money bestsellers, including Wealth Without Risk. Shortly before dying, Givens declared bankruptcy."


I still have my copy and in all due respect,he had some good advice at that time.
by joe8d
Thu Aug 21, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6038

Re: Reducing time spent paying bills

All on auto withdrawal even church contributions.
by joe8d
Wed Aug 20, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Reducing time spent paying bills
Replies: 25
Views: 1727

Re: gifting money, and smoking

He's actually been in the hospital with pneumonia since monday now. My mom is hoping that him being forced to not smoke while in the hospital, and being told he can't smoke until the infection clears up helps him to just quit.Angelus359 Yes.the first few days of not smoking are the hardest. Being i...
by joe8d
Wed Aug 20, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 30
Views: 2396

Re: gifting money, and smoking

Pneumonia should be the lesson they learn to quit. Pneumonia nearly killed me last year abd the doctors told me if I was a smoker I probably wouldn't have made it. My wife smoked for 30 years and decided to quit when my daughter went to Girl Scout camp. When she returned we had remodeled her room a...
by joe8d
Wed Aug 20, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 30
Views: 2396

Re: POLL: Age for Collecting Social Security Benefits

nisiprius wrote:My decision about when to claim was influenced by two considerations:

a) I was over 62 and thus eligible,

b) my unemployment benefits were about to run out and I hadn't managed to get a single job interview.


Same for me.
by joe8d
Wed Aug 20, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7353

Re: 100% lifestrategy - good idea for a hands-off investor?

Alternatively, as I suggested earlier, the investor could just keep her existing LS allocation (especially if it is in a taxable account) and gradually hold more cash. Yep. Or TIPS, or CDs, or annuities. (For what it's worth, this is more or less my personal plan at this point.) +1. LS Growth as a ...
by joe8d
Tue Aug 19, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3289

Re: POLL: Age for Collecting Social Security Benefits

62.5 ( checked 63 in poll )
by joe8d
Tue Aug 19, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7353

Re: 20 Year Old With 70k to Invest

People blindly make recommendations for 100% stock portfolios on this board without knowing anything at all about the persons risk tolerance. The fact that someone is in their 20s or 30s does not mean that 100% stock is automatically appropriate for them, in fact the OP said in his original post (a...
by joe8d
Mon Aug 18, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2484

Re: 20 Year Old With 70k to Invest

People will tell you to invest some in bonds, but I feel its not a good idea. At our age, as long as you have an emergency fund and don't plan on taking anything out for quite awhile, you'll be fine.


At 19-20, I don't see a problem with that.
by joe8d
Mon Aug 18, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2484

Re: 20 Year Old With 70k to Invest

10% low risk return doesn't exists today. VG Total Stock Market index fund would be my reasonable recommendation.
by joe8d
Mon Aug 18, 2014 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2484

Re: Bad(?) advice given about Target Date Retirement funds

Lately I have noticed the following (paraphrased) advice given about TD funds: For simplicity, invest in a TD fund but don't go by date, instead pick one with an AA that matches your risk tolerance. This seems to me to be bad advice because when you pick an AA you are also picking a glide path. If ...
by joe8d
Mon Aug 18, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6349

Re: Moving after retirement.

I have family in upstate NY and would love to spend summers with them, but don't want to live with them :0 - but I am hesitant to purchase any property there. While it's cheap, the property taxes and utilities seem prohibitive and then there is the issue of repairs in the spring. They might be joki...
by joe8d
Mon Aug 18, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 3726

Re: Motorcycle for short commute?

Hold on.The Elio( $ 6800 ) should be going in production soon.It has A/C
by joe8d
Sun Aug 17, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3697

Re: Moving after retirement.

Stay.
by joe8d
Sat Aug 16, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 3726

Re: Help please with revised plan for living in retirement

I know the ideal plan would have been much different, in that our savings total would be large enough to provide dividends and interest income to live on in retirement. However, that is not our situation. Is my plan reasonable???? Are you retiring because you have to? If not, continue to work as lo...
by joe8d
Fri Aug 15, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help please with revised plan for living in retirement
Replies: 15
Views: 2771

Re: The (un)freshness of Starbucks bakery products

May well have been a typo.I've found similar typo's at my supermarket bakery.Products have a 3-5 day shelf life so anything else is wrong.I do bring it to the attention of store management.
by joe8d
Thu Aug 14, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4468

Re: TIPS: a separate Bond category?

A. I always felt TIPS should be considered as a separate asset category.
by joe8d
Thu Aug 14, 2014 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS: a separate Bond category?
Replies: 13
Views: 1360

Re: Lauren Bacall Passes Away

If you count James Garner,you got the 3.
by joe8d
Tue Aug 12, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Lauren Bacall Passes Away
Replies: 2
Views: 590

Re: Robin Williams

An Excellent Talent.So Sad.
by joe8d
Tue Aug 12, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4629

Re: Motorcycle for short commute?

I had bikes when I was younger. I hung out with a lot of guys that had them. My last bike got ripped off when I was about 24, and they probably did me a favor, because I probably would have killed myself on it. Out of everybody I know who had them, everybody did at least one stint in the hospital. ...
by joe8d
Tue Aug 12, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3697

Re: Motorcycle for short commute?

Is public transportation an option? Buses are air conditioned.
by joe8d
Tue Aug 12, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3697

Re: Reaching Severe Burnout - Can I Scale Back Career?

MikeWillRetire wrote:I understand completely. When my wife and I were expecting our first child, I left the private sector for the federal government. That was the only way we were going to be able to maintain a two-income family.


+1
by joe8d
Mon Aug 11, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 50
Views: 6041

Re: Where do you buy clothes?

JC Penny: Dress Shirts ( only kind I wear even in retirement ) and Underwear
Target: Socks
K-Mart: Shoes
Pants: Wish I could find a place that still sold inexpensive dress pants.
by joe8d
Mon Aug 11, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9106

Re: Where to buy little plastic bottles?

Dollar Stores.
by joe8d
Mon Aug 11, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy little plastic bottles?
Replies: 24
Views: 1620

Re: Good place to park ~$500k for house remodel/teardown?

Online Savings Account with at least 2 POD's.
by joe8d
Sat Aug 09, 2014 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good place to park ~$500k for house remodel/teardown?
Replies: 17
Views: 2440

Re: Going 60+% international? (US resident)

4. And defies Lord Bogle's caution to not go above 20% I don't get this. You're saying a person with some money who seeks investment, who has a look at international stocks and decides that their expected return vs risk makes sense to their personal financial context and proceeds to make the invest...
by joe8d
Sat Aug 09, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5952

Re: Going 60+% international? (US resident)

I'm a 20%er on International.Wish the LS and TR Funds had stayed there.
by joe8d
Sat Aug 09, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5952

Re: Who or what inspired you and your investing approach?

Initially listening toa fellow named Don McDonald on BRN.


Listened to him myself. He was good.
by joe8d
Sat Aug 09, 2014 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4306

Re: Your Favorite charity organization...? please

Catholic Charities.
by joe8d
Fri Aug 08, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4204

Re: Lifestrategy fund vs. slice-and-dice in 401k

I vote for keeping it all in LS Growth ( My favorite "Total Portfolio Fund " ) It is 100% of my Roth and I'm 72.
by joe8d
Thu Aug 07, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy fund vs. slice-and-dice in 401k
Replies: 8
Views: 584

Re: Public not saving for retirement

The lack of preparedness is not signaled by a lack of planning alone. Many respondents, particularly those with limited incomes, indicated that they simply have few or no financial resources available for retirement.


Yes and the reason why SS needs to be preserved and even improved upon.
by joe8d
Thu Aug 07, 2014 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: Public not saving for retirement
Replies: 24
Views: 3555
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