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Re: Vanguard Target Retirement Fund

leod wrote:I am considering moving to a target retirement fund since I want to automate purchases and auto rebalance as well and this is the only option in VG.


You have another option with the VG Life Strategy Fund Series.
by joe8d
Wed Apr 01, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund
Replies: 5
Views: 164

Re: Vanguard Lifestrategy "Aggressive"

I imagine it would be OK to take this aggressive lifestyle with 100% stocks. What's the point of even having 10 or 20% in bonds in your retirement portfolio if you're young? You're not planning on taking any of the money out of the retirement accounts for fear of penalties, so you don't need to buf...
by joe8d
Wed Apr 01, 2015 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Lifestrategy "Aggressive"
Replies: 10
Views: 710

Re: 401k after retired

We have sufficient income from other stable sources to meet our monthly needs and would not need funds from this 401k for 15 years. I guess for starters should I reallocate for a more balanced portfolio or stay away from bonds due to low returns and even worse when interest rates rise. Yes, I would...
by joe8d
Tue Mar 31, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k after retired
Replies: 3
Views: 352

Re: Detroit: up-and-coming technology city

Over the longer-term time horizon I expect Detroit and the rest of the Great Lakes region to be relatively well positioned to accommodate climate change due to the proximity to water resources. But we may be talking decades. And I'm not sure that Detroit itself as opposed to the Great Lakes region ...
by joe8d
Mon Mar 30, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Detroit: up-and-coming technology city
Replies: 18
Views: 1228

Re: How Do You Watch Television?

Verizon FIOS which includes phone and internet.
by joe8d
Sat Mar 28, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 5553

Re: Son graduating college-what to do?

He will most likely need to take a "get your foot in the door" job with relatively low pay to start his employment journey. I support his endeavor and understand the current challenges.

Yes. What field is this and can he do the "foot in the door job " locally?
by joe8d
Fri Mar 27, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3219

Re: WSJ Delivery Record - Dismal

malabargold wrote:I believe its printed off regionally by your local paper's presses and delivered with the local
papers carriers - we had a similar issue but complained to WSJ a few times and they were
straightened out.

Give them feedback


Yes, Thats what's done here.
by joe8d
Thu Mar 26, 2015 7:53 pm
 
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 1868

Re: Advice for parents

+1 To all the posters who responded thus far. FDIC insured vehicles like savings accounts and certificates of deposits should be the only place to put the money. There is no need to take risk, there is a very good likelihood your parents don't like risk of any kind (lack of willingness). You know t...
by joe8d
Wed Mar 25, 2015 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for parents [with large cash holdings]
Replies: 15
Views: 1579

Re: Best Bank for Checking Account

M &T Bank. Free for seniors, interest , paper statements, no cost.
by joe8d
Mon Mar 23, 2015 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2581

Re: Fish from Costco?

In Buffalo, we only eat haddock.
by joe8d
Mon Mar 23, 2015 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5431

Re: Route to an $8 Million Portfolio Started With Frugal Liv

He gave his 8MM to a local hospital and library-spending it in this way was the most enjoyable thing he could think of. The money went to the hospital after his death. The hospital enjoyed the use of the money, not him. He was dead, there was nothing left for him to enjoy, unless you believe in the...
by joe8d
Sat Mar 21, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 4969

Re: Route to an $8 Million Portfolio Started With Frugal Liv

I think that is a very sad situation. The guy was extremely frugal and continued to be extremely frugal even after he had considerable net worth. I don't want to be like that, and I don't think he is a good lesson for others. I disagree. Once frugality is ingrained, it remains there. In reality, we...
by joe8d
Sat Mar 21, 2015 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 4969

Re: The one area I disagree with Jack

dbr wrote:For obvious reasons I am not going to agree or disagree with Mr. Bogle on this. However, one should be reminded that in investing "fixed income" is neither income nor fixed.


Right, "Debt Instrument" would be a better term.
by joe8d
Sat Mar 21, 2015 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7337

Re: RMD

If all your TD accounts are with Vanguard,they will do all the calculating,etc for you.
by joe8d
Fri Mar 20, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD
Replies: 6
Views: 471

Re: Filed my 2014 taxes in February - then I bought a house.

prudent wrote:I can't think of any situation where your 2014 taxes would be affected by buying a home in 2015.

You may want to look into whether the mortgage interest deduction you will be claiming next year might indicate a change in your withholding rate through the rest of this year.


+1
by joe8d
Thu Mar 19, 2015 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filed my 2014 taxes in February - then I bought a house...
Replies: 5
Views: 537

Re: job offer, 2x salary

problem with moving is that wife works in opposite direction by 20 minutes. So, thats not an option. i am very conservative and have done well in the job that i am currently at. I do it better than anyone else in the company, so i am valuable to my current employer, and would have better job securi...
by joe8d
Wed Mar 18, 2015 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4835

Re: job offer, 2x salary

Currently, a six figure salary, a job you like, 15 yrs with the company and a hour and half less travel. I would think more then twice about leaving.
by joe8d
Wed Mar 18, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4835

Re: US Army Thrift Savings Plan (TSP) - Question about After

An E-1 this year will only earn about $18.5k


I made only $76/mo as an E-1, $81 as an E-2 back in the early 60's :happy
by joe8d
Mon Mar 16, 2015 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: US ARMY Thrift Savings Plan (TSP) - Roth 401k
Replies: 14
Views: 1415

Re: RMD's

Does she need the money to live on? If not, pick the asset that will benefit from being in the taxable account.
by joe8d
Mon Mar 16, 2015 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD's
Replies: 3
Views: 434

Re: Advice on guiding an hour discussion with military

Avoid payday/short term loans at all costs! There's a reason those places/businesses are camped right outside most military bases... easy prey. :happy


:thumbsup :thumbsup :thumbsup

And also participating in the best TD plan of them all, the TSP
by joe8d
Mon Mar 16, 2015 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Advice on guiding an hour discussion with military
Replies: 35
Views: 1950

Re: The financier and the secretary. A true story.

Uncle Pennybags wrote:She was paying tax on $143,500 in yearly dividends yet no one knew about the stock. Something doesn't add up; this sounds Beardstown ladylike.


:happy Make you wonder if she was.
by joe8d
Sat Mar 14, 2015 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: The financier and the secretary. A true story.
Replies: 39
Views: 6116

Re: What Movie Have You Recently Watched?

Next movie is The Drop.


Don't waste your time
by joe8d
Sat Mar 14, 2015 10:16 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 659
Views: 87147

Re: Sell gas station for one dollar

I'm not sure which forum this belongs to, but had dinner with a friend whose father poured his whole life into his gas station (his only retirement asset). It sadly turns out that his oil tanks have been leaking gas for years, not uncommon. The government advised it needs to be dug up and cleaned t...
by joe8d
Sat Mar 14, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sell gas station for one dollar
Replies: 48
Views: 3930

Re: The financier and the secretary. A true story.

The secretary probably lived quite well on her salary and was probably not aware of the stock ( which may have been inherited ) appreciation over the time. The Financier probably live high of the hog, was able to discharge his debts through bankrutpcy and most likely still retain a significant amoun...
by joe8d
Fri Mar 13, 2015 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: The financier and the secretary. A true story.
Replies: 39
Views: 6116

Re: buffets portfolio advice

Toons wrote:Something like the VFSTX?

:thumbsup My choice


:thumbsup :thumbsup
by joe8d
Fri Mar 13, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: buffets portfolio advice
Replies: 11
Views: 1437

Re: [Poll] How long did you hold primary residence mortgage?

Jake46 wrote:Paid cash. Hate debt.


+1 Same here.
by joe8d
Fri Mar 13, 2015 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2714

Re: Vanguard Diehards Alumni

Joined M* Vanguard Diehards after finding out about them through the MONEY magazine article.
by joe8d
Fri Mar 13, 2015 8:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vanguard Diehards Alumni
Replies: 23
Views: 1228

Re: Is PA a good state for retirees?

But I don't know that picking a state solely on the taxation should be the primary driver. Of course there are many members on here that can speak from their personal experience. I would think community, family, friends, safety&security, and activities would be above taxation. +1, and then some...
by joe8d
Fri Mar 13, 2015 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is PA a good state for retirees?
Replies: 23
Views: 2104

Re: How much international is too much?

Don't we think Vanguard is well aware of currency risk? Yet they are increasing international allocation in the Target Retirement and LifeStrategy funds from 30% to 40% of equities. We should always be on the lookout for recency bias in making investment decisions. Don't agree with VG's move on this.
by joe8d
Thu Mar 12, 2015 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9152

Re: How much international is too much?

I'm in the 15-25% camp.Dollar is rising which will adversely affect International.
by joe8d
Thu Mar 12, 2015 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9152

Re: What Movie Have You Recently Watched?

Tonight's movie:

The Judge


:thumbsup
by joe8d
Thu Mar 12, 2015 8:33 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 659
Views: 87147

Re: What are some common misconceptions found in this forum?

I think it is a misconception that everyone on this forum is a "pure" Bogelhead in every way. I think the reality is that the people on this forum greatly respect and do many things the Bogelhead way, but most people do some things that aren't entirely Bogelhead. Even Jack Bogel owns some...
by joe8d
Wed Mar 11, 2015 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17356

Re: What are some common misconceptions found in this forum?

tainted-meat wrote:Misconception:

Roth IRA should be maxed immediately after getting the 401k match.


Yes, Maxing the 401k and then doing the Roth may result in the Roth being done a lower tax rate which is preferable.
by joe8d
Wed Mar 11, 2015 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17356

Re: Will you buy an Apple Watch?

Nope.
by joe8d
Mon Mar 09, 2015 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 18000

Re: RMD loophole?

tadamsmar wrote:
joe8d wrote:You have to be working for the same company that holds your 401k.


You can normally roll your 401K or rollover IRA over to a new employer. As far as I know, your don't have to work full-time for the new employer.


As I said.
by joe8d
Mon Mar 09, 2015 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: RMD loophole?
Replies: 19
Views: 1801

Re: RMD loophole?

You have to be working for the same company that holds your 401k.
by joe8d
Mon Mar 09, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: RMD loophole?
Replies: 19
Views: 1801

Re: SS # on check to pay Fed & State taxes?

I always have them debit my checking account.
by joe8d
Sun Mar 08, 2015 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS # on check to pay Fed & State taxes?
Replies: 8
Views: 818

Re: Managed bond funds?

Clearly the evidence is strong that managed stock funds are not likely to outperform index funds over the long term, but is there similar evidence for managed bond funds (even those with cheap expenses)? From my personal experience, no. Vanguard has many actively managed bond funds, whose expense r...
by joe8d
Sun Mar 08, 2015 12:09 am
 
Forum: Investing - Theory, News & General
Topic: Managed bond funds?
Replies: 23
Views: 1659

Re: Dress socks

Target Gold Toes are good enough for me.
by joe8d
Sun Mar 08, 2015 12:00 am
 
Forum: Personal Consumer Issues
Topic: Dress socks
Replies: 7
Views: 717

Re: Simplify this Portfolio

VG Life Strategy Growth.
by joe8d
Sat Mar 07, 2015 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplify this Portfolio
Replies: 14
Views: 1058

Re: Contribute to 2014 Roth after filing tax return?

Do it before April 15th to count as a 2014 contribution.
by joe8d
Fri Mar 06, 2015 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribute to 2014 Roth after filing tax return?
Replies: 3
Views: 315

Re: Boglehead degree status

OP, I think your point is that there are varying degrees of knowledge on this forum, but being a BH is about following the BH philosophy. The Bogleheads® Philosophy Develop a workable plan Invest early and often Never bear too much or too little risk Never try to time the market Use index funds whe...
by joe8d
Fri Mar 06, 2015 8:16 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4883

Re: Stable value funds

My 457 Plan offers a Stable Value Fund with a guaranteed 2.3 % interest rate. Should I use this for my fixed income portion.


Yes.
by joe8d
Thu Mar 05, 2015 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable value funds
Replies: 11
Views: 897

Re: Good career for woman mid 30's?

I'm going to disagree with most of the comments in this thread. First, $43k for a file clerk in your 30s with no college degree is pretty amazing. Lots of people with 2 or even 4-yr degrees are earning what you earn or less. You should look at your job carefully and evaluate what you like or don't ...
by joe8d
Thu Mar 05, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Good career for woman mid 30's?
Replies: 34
Views: 3606

Re: International increase in Target Retirement & LifeStrate

Would have rather seen it go down to 20% then up to 40%.
by joe8d
Tue Mar 03, 2015 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 229
Views: 18597
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