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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: 17
Views: 1784

Re: Become A Billionaire?

The idea that is promoted here on the Forum is Financial Security, not getting Rich.
by joe8d
Wed Aug 20, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Become A Billionaire?
Replies: 32
Views: 2803

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: 1652

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: 29
Views: 1899

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: 29
Views: 1899

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: 63
Views: 3571

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: 3200

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: 63
Views: 3571

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: 2356

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: 2356

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: 2356

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: 74
Views: 4679

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: 3558

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: 51
Views: 2916

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: 3558

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: 6
Views: 1166

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: 4362

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: 1341

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: 580

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: 4613

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: 51
Views: 2916

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: 51
Views: 2916

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: 6017

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: 8755

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: 1602

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: 2423

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: 5883

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: 5883

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: 4276

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: 4051

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: 580

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: 3530

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

BenBritt wrote:How to Buy Stocks by Louis Engel. I believe this was my first book on subject.


That was also the very first book I read on the subject oh so many years ago :happy
by joe8d
Thu Aug 07, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4276

Re: December RMD Withdrawal Timing Question

The wait till after distributions is more for BUYING shares, so you don't end up buying a taxable dividend a week later... Some like me have their RMDs immediately reinvested in the same funds in their taxable account. Taking the RMD before the distribution would be buying the dividend in the taxab...
by joe8d
Wed Aug 06, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1415

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

Two production guys at work. Every time I'd walk by them they were discussing stocks. So one day, I stopped and started talking to them and got interested and keep stopping by and asking them questions and started reading and the rest is history :happy
by joe8d
Wed Aug 06, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4276

Re: December RMD Withdrawal Timing Question

Did you turn 70 1/2 in 2014? If so you can delay all or any part of your first RMD until 4/1/15. Of course you will have to take all of your 2015 RMD by 12/31/15 so that may cause a large bump in 2015 income if you go that route. To me,This rule was not meant to be used as a "Strategy", b...
by joe8d
Wed Aug 06, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1415

Re: average American eats out 203 times per year

Fast food twice a week ( Sat and Weds ).McDs, BK,Wendy's and Arby's wherever I have 2 for 1 coupons. Do you eat both at one sitting? It's been a while, but I used to get two Whoppers and bring one home for the next day. I also used to get two Famous Stars at Carl's Jr. and two Ultimate Cheeseburger...
by joe8d
Tue Aug 05, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6371

Re: average American eats out 203 times per year

Fast food twice a week ( Sat and Weds ).McDs, BK,Wendy's and Arby's wherever I have 2 for 1 coupons.
by joe8d
Tue Aug 05, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6371

Re: Peak Money Market Fund Yields in 1981-82

I definitely remember having a Merrill Lynch RATS (Ready Assets) money market fund back in those days and watching the daily listings in the WSJ. I think there were days it was paying over 19%. Yes,my first MMFwas ML Ready Assets and it was paying over 19%.Daily Listings of MMF rates in the newspap...
by joe8d
Tue Aug 05, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1676

Re: allocation at retirement

Many of us stay at 50/50 through retirement.
by joe8d
Tue Aug 05, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: allocation at retirement
Replies: 11
Views: 710

Re: I Strayed From The Path...Forgive Me.

At the old M* Site that post title would rankle the FIDO's :D
by joe8d
Mon Aug 04, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 26
Views: 3526

Re: High School Reunions--Have you attended?

Went to my 50th grammer school ( Best years of my life). Passed on 50th High School and would have gone to 50th college if there would have been one.
by joe8d
Mon Aug 04, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5054

Re: Inexpensive paper check replacement?

Sunday newspaper ad inserts.Probably the best deals and where i get mine.
by joe8d
Sat Aug 02, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive paper check replacement?
Replies: 19
Views: 1547

Re: Noob to the board looking for words of wisdom re investi

JW Nearly Retired wrote:
kazper wrote: I just found out yesterday that she has 4 401K/IRAs going due to job changes.

What in the world does "going due" mean?
JW


JW, It should be "she has 4 currently active 401K/IRAs accounts due to previous job changes." :)
by joe8d
Fri Aug 01, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Noob to the board looking for words of wisdom re investing
Replies: 7
Views: 853

Re: Clean investing in a single stock

I don't know why I thought that basis tracking would be an issue with a Roth IRA. Thank you for your input all; I guess there is nothing holding me back from embarking on this now except for worrying if this stock is really a good bet. I am indeed looking at Tesla, The Dan. Actually,Elon Musk is se...
by joe8d
Fri Aug 01, 2014 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 28
Views: 2642

Re: How to stop collection for an invalid debt

Have you tried speaking to someone with authority at the library now and advising them you're being harassed by a collection agency for a book you do not have? I'd be ticked at the library and start hounding them to call off the collection agency. Then put it in writing to both sides. Can't believe...
by joe8d
Fri Aug 01, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 31
Views: 1961

Re: Best way to earn a pension

How much is a DB pension worth? to you? Would you consider looking for or taking a job primarily for a pension? The problem with DB pensions is they are not portable. You get tied to a single employer for a long time. If you walk or get laid off you take a big hit because the benefit is back end lo...
by joe8d
Fri Aug 01, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 4466
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