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Re: My Portfolio - Critiques Wanted

Ive got about 140k invested within a 403b that offers a ton of Vanguard Funds. I'm 30 years old, and at this point I've got pretty high risk tolerance. I don't see any reason why I can't/shouldn't be invested 100% in equities for the next 5-10 years (perhaps you can change my mind on this point). I...
by joe8d
Wed Oct 29, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio - Critiques Wanted
Replies: 5
Views: 438

Re: How are you supposed to move a 401k

JamesSFO wrote:Sadly until electronic transfer of 401Ks becomes more widespread this is one of those things that can happen. It's very frustrating.

:annoyed


Yes,time out of the market is the biggest problem on rollovers.
by joe8d
Wed Oct 29, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How are you supposed to move a 401k
Replies: 6
Views: 432

Re: QE Ending, how does it affect Total Bond Fund?

Dale_G wrote:If real interest rates increase, I will be delighted. I don't expect that though. There are a whole lot more borrowers than there are lenders, and zero real rates are apparently required to keep the borrowers afloat.

Financial repression is not dead.

Dale


:thumbsup
by joe8d
Wed Oct 29, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: QE Ending, how does it affect Total Bond Fund?
Replies: 8
Views: 1155

Re: POLL: Gross Annual Retirement Income Before Taxes

Age 72, Retired 10.5 yrs and Income is from SS, DB Pension, P/T Job and RMD's. Income far exceeds expenses.
by joe8d
Tue Oct 28, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1884

Re: Traditional Medicare vs Medicare Advantage

When I got cancer 20 years ago I wanted to go to M.D. Anderson Cancer Center in Houston, Texas. Thank goodness I had Original Medicare and a Med-gap plan so I could go anywhere of my choosing. The advantage plans would not cover M.D. Anderson. My case was very serious and went to M.D. Anderson for ...
by joe8d
Mon Oct 27, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Traditional Medicare vs Medicare Advantage
Replies: 26
Views: 1393

Re: Traditional Medicare vs Medicare Advantage

Here in WNY,we have 3 major nonprofit HMO's and their MA Plans dominate the local market.So it depends on where you live as to the best plan.
by joe8d
Mon Oct 27, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Traditional Medicare vs Medicare Advantage
Replies: 26
Views: 1393

Re: Feeling rich to feeling poor overnight

Too bad the high tech companies in SF don't set up "Man Camps" like they have for the ND Oil Field workers.
by joe8d
Fri Oct 24, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10573

Re: How often do you change your car's oil?

Once a year. Like most retired people I'm around 5K miles a year. The manufacturer doesn't give a mileage recommendation - just change it when the computer tells you to. Usually I'm around 60% remaining life when I change the oil. Letting it go more than a year makes me nervous. Plus I like to let ...
by joe8d
Fri Oct 24, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6073

Re: What is the recommended amount of international holdings

Toons wrote:15-20%
Of course many of the companies in the total stock market are "international" :happy


That is my allocation.
by joe8d
Fri Oct 24, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the recommended amount of international holdings?
Replies: 15
Views: 1685

Re: Just wondering how you personally calculate net worth

Actually,Vanguard does it for me every day on it's site.
by joe8d
Wed Oct 22, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3710

Re: How do you wash your car?

Driving on the expressway at 55 MPH during a rainstorm is how I wash my car.
by joe8d
Mon Oct 20, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6831

Re: Leon Cooperman giving the same advice as Warren

Does it make you wonder if Vanguard has too much of an vested interest to change their view on bonds.


Yes, VG does.
by joe8d
Mon Oct 20, 2014 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3269

Re: 401K changing Pimco Tot Ret to VG Int Term Bond Index. O

Elbowman wrote:
Gort wrote:Is VBIIX a good core holding?
Yes. A lot of the people here who think TBM is too heavy in treasuries actually like VBIIX more.


+1
by joe8d
Sun Oct 19, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?
Replies: 15
Views: 964

Re: Windows XP

Running XP on this with Goggle Chrome Browser.Had some problems before putting Chrome on.
BTW, MS still sends updates. i got one the other night.
by joe8d
Sun Oct 19, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2951

Re: What tax software do you use and why

Free TT from VG as a Flagship customer. Have used TaxAct in the past and found it be very good.
by joe8d
Sat Oct 18, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2569

Re: Vanguard Survey warning

subham wrote:I took the survey without any issues. Or at least I think so :|


Same here.
by joe8d
Sat Oct 18, 2014 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Survey warning
Replies: 9
Views: 1359

Re: What will you do when you retire?

Retired 10.5 years .Went back to working P/T 8.5 years ago.
by joe8d
Fri Oct 17, 2014 11:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 37
Views: 3696

Re: Help with parent's investments

I'd suggest moving the funds to Vanguard and investing in one of the LifeStrategy Funds, possibly Moderate VSMGX which is 60/40. Then you can be truly hands off. You could be more conservative, but if these funds are to be invested for heirs, that sounds about right to me. L. Yes, sounds right to m...
by joe8d
Fri Oct 17, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with parent's investments
Replies: 5
Views: 690

Re: Best town I've never heard of [for relocating]

Just saw an article from US News and World Reports naming Buffalo, NY as one of the 10 best places to retire if you are living on SS alone. Not if you've grown up in Buffalo. I did and still here :D Watching the decline of Buffalo down the decades, from the perspective of Channel 7 Eyewitness News,...
by joe8d
Fri Oct 17, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9774

Re: Your personal risk level: Got your flu shot yet?

Every year I get the Flu Shot, i get the Flu.The years I didn't,no Flu. Go figure.
by joe8d
Wed Oct 15, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3001

Re: Best town I've never heard of [for relocating]

gkaplan wrote:
joe8d wrote:Just saw an article from US News and World Reports naming Buffalo, NY as one of the 10 best places to retire if you are living on SS alone.


Not if you've grown up in Buffalo.


I did and still here :D
by joe8d
Tue Oct 14, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9774

Re: Creating a 401k for my company through Employee Fiduciar

I never see The VG Retirement Savings Trust ( Stable Value) mentioned in these type of posts.That would be preferable to the PMMF.
by joe8d
Tue Oct 14, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 3366

Re: Best town I've never heard of [for relocating]

Just saw an article from US News and World Reports naming Buffalo, NY as one of the 10 best places to retire if you are living on SS alone.
by joe8d
Tue Oct 14, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9774

Re: Why did my bond funds NAV change on Columbus Day?

1. Columbus Day was celebrated on October 12 - not moved to a Monday; and 2. you actually believed (what was taught/pitched) that "Columbus Discovered America" -


Well, Oct 9th is Leif Erickson Day for those in that camp.
by joe8d
Tue Oct 14, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did my bond funds NAV change on Columbus Day?
Replies: 16
Views: 1474

Re: Recent statistics of college majors

I wonder if the high pay for petroleum engineers is due to where they have to work. BTY, I was a chemist, but Physics was my favorite subject.
by joe8d
Tue Oct 14, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2668

Re: Need Suggestions for Vanguard Fund Investments

Under your circumstances, Online Savings / CD's would be your best option
by joe8d
Mon Oct 13, 2014 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Suggestions for Vanguard Fund Investments
Replies: 19
Views: 1639

Re: What Do You Keep In Your Bank Safe Deposit Box?

placeholder wrote:Never had one probably never will.


Same.
by joe8d
Mon Oct 13, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2586

Re: Index funds and compound interest

I suspect there's something else going on with index funds, such as getting dividends and using them to automatically buy more shares in the index fund,


Yes and the Capital Appreciation of the shares
by joe8d
Mon Oct 13, 2014 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index funds and compound interest
Replies: 10
Views: 1147

Re: Losing money, please advise

Xpe wrote:Don't worry, stay the course. I'm down 30k this week, I'm not losing sleep and neither should you.

You should, as others have said, consider your risk tolerance and your timeline.


Same here.
by joe8d
Sun Oct 12, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5028

Re: Reverse Mortgages

Ged wrote:I would only take a reverse mortgage if there were no other sources of money. Last resort. If you have to do it and then want to move it's a disaster.


+1
by joe8d
Sun Oct 12, 2014 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages
Replies: 21
Views: 2074

Re: Calculating RMDs

Christine_NM wrote:
chaz wrote:Vanguard computes the RMD for me.


+1

Any other IRA custodian should provide the same service. This is not supposed to be a DIY calculation.


+2 Same here.
by joe8d
Sat Oct 11, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 1573

Re: Best town I've never heard of [for relocating]

I know that Amherst,NY is on that MONEY list.
by joe8d
Sat Oct 11, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9774

Re: New 401k: S&P index fund is the cheapest - just buy it o

BlackRock Intl Index A 0.48
BlackRock Small Cap Index A 0.62
BlackRock S&P 500 Stock Institutional 0.12


For a 401k Plan, the ER's on the small and Intl are not the worst.I would consider using them in some proportion to the 500. Maybe something like 70% S&P,10% small,20% Intl.
by joe8d
Sat Oct 11, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k: S&P index fund is the cheapest - just buy it only?
Replies: 5
Views: 735

Re: Why choose a LifeStrategy Fund?

Can somebody please explain to me why anyone would purchase a LifeStrategy Fund. The reason I don't understand why someone one is because it keeps a constant asset allocation. I mean the vast majority of investors are going to want to become more conservative as they get older. There are lots of re...
by joe8d
Sat Oct 11, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3539

Re: Critically Acclaimed Movies you did not like

Also, The Great Gatsby. The newer version being even worse than the older version.


Definitely agree with that.
by joe8d
Fri Oct 10, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8207

Re: Stable Income Fund vs. Total Bond Market

I would vote for all Stable Value at this time.
by joe8d
Fri Oct 10, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2215

Re: Fund advice

However, 2008 totally decimated my accounts and after doing the math I discovered that I would have done just as well to have buried the money in coffee cans in the back yard. Did you sell at the bottom or something? The S&P 500 is up 215% over the last 10 years, which includes 2008. It's up 63...
by joe8d
Thu Oct 09, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund advice
Replies: 6
Views: 347

Re: When people put all their eggs in the wrong basket

The Australians have us beat. Their system is much better for 90% of people... http://business.time.com/2013/04/22/mandatory-saving-how-australia-fixed-a-retirement-crisis/ We have the Social Security system available to all who contribute and mandatory contributions are matched by the employer.Aus...
by joe8d
Wed Oct 08, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26028

Re: Keep investing simple.

Hello, Just doing a quick survey as to what was your annualized rate of return over those 10 to 30 past years you were saving in your retirement funds? I was looking at some studies in the market and looks like the consensus is 7.5% (CalPERS uses that as an expected rate of return) ahmadcpa: Past p...
by joe8d
Wed Oct 08, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3368

Re: When people put all their eggs in the wrong basket

I just wonder how many people put their money in that stock on the advice of "Advisors"?
by joe8d
Tue Oct 07, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26028

Re: How much is your fixed income investment earning?

I prefer the term " Debt Instrument".
by joe8d
Tue Oct 07, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 27
Views: 1827

Re: Splurge vacation recovery--Hawaii or?

dolphinsaremammals wrote:I think you should stay home.


+1
by joe8d
Tue Oct 07, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 2697

Re: Byzantine Retirement Plans

Did they provide any explanation why they withdrew $4000 instead of $2000? Asif: No "explanation" but they did say they would cancel the application as if nothing happened if requested within one week from the erroneous transaction. A problem is that the $4,000 was put into a Roth IRA, an...
by joe8d
Mon Oct 06, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10893

Re: "Stock Exposure: Grow or Shrink Throughout Retirement?"

I have held and will continue to hold a 50/50 AA throughout retirement.
by joe8d
Mon Oct 06, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: "Stock Exposure: Grow or Shrink Throughout Retirement?"
Replies: 35
Views: 2733

Re: Critically Acclaimed Movies you did not like

About 90% of them.
by joe8d
Sat Oct 04, 2014 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8207

Re: Should I buy a condo on the GROUND FLOOR?

celia wrote:Elderly people would consider a ground floor to be advantageous. When it gets hard to walk, a surface without steep ramps, stairs/steps, elevators is much easier to navigate, even if a cane, walker, wheelchair is not needed.


Yes. I live in a 1st floor condo for that reason.
by joe8d
Sat Oct 04, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5090

Re: When/how to rebalance?

VG TR Funds would have you in a 90/10 AA until age 40.
by joe8d
Wed Oct 01, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: When/how to rebalance?
Replies: 19
Views: 1264

Re: Do you deviate from the BH philosophy?

Well, let me see our score. Well, based on the wiki, let me see how we score on BHP: 1 Develop a workable plan (Score 1 point) 2 Invest early and often (Score 1 point) 3 Never bear too much or too little risk (Score 1 point) 4 Diversify (Score 1 point) 5 Never try to time the market (Score 1 point)...
by joe8d
Wed Oct 01, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3848

Re: should we all own a small cap fund?

livesoft wrote:Yep, we should all overweight small-cap equites. I use mainly VBR, VSS, and FSEVX to do so.


I do,Small Cap Index.Small Caps will grow the most.
by joe8d
Wed Oct 01, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: should we all own a small cap fund?
Replies: 11
Views: 495
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