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Re: Unbridled Consumerism?

bengal 22 wrote:Ice Cream - no cheap stuff for us


Me too :) and Orange Juice ( "Simply Orange " Hi Pulp ). Also Breakfast Pastries.
by joe8d
Fri May 24, 2013 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Unbridled Consumerism?
Replies: 21
Views: 1337

Re: Frustration with Ally Bank

I did have a little problem setting up CD's with Ally.It had to do with the way I wrote my address and the way the Credit agency had it listed.I just recently open an Online savings with Barclays w/NP.It took about 5 min online.
by joe8d
Fri May 24, 2013 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Frustration with Ally Bank
Replies: 5
Views: 674

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

FYI to all JC Penny's Stafford dress shirt fans.Big sale this weekend on them. $11.99 + addition 10% discount ( 20% if using JCP credit card ) I bought 3 today.
by joe8d
Fri May 24, 2013 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 18
Views: 2853

Re: New T Rowe Price target date retirement funds

Just pick a VG Life Strategy Fund ( 80/20, 60/40 ... ) as your initial Core and then dilute when want and with what you want ( a different type bond fund perhaps ).
by joe8d
Fri May 24, 2013 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: New T Rowe Price target date retirement funds
Replies: 23
Views: 1163

Re: Three Simple Index Fund Portfolios

I’m often asked to recommend a simple index fund portfolio for people who are just getting started with passive investing and want to learn the basics. There are several good portfolios you can build to suit your needs using a few funds that require little maintenance. Balanced index funds are also...
by joe8d
Thu May 23, 2013 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three Simple Index Fund Portfolios
Replies: 5
Views: 1278

Re: Bank with a good APY for savings account

Barclays Bank is currently paying 0.90 % on their Online Savings Account.
by joe8d
Thu May 23, 2013 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank with a good APY for savings account
Replies: 3
Views: 483

Re: Target Tips

I don't think Vanguard announces exactly when they are getting ready to make a change so it doesn't affect the market. They normally do this in a phased manner over a period of time then announce when it is done. Laura Yes, If you check the composition of the fund at the VG site after the 15th of e...
by joe8d
Wed May 22, 2013 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Tips
Replies: 2
Views: 289

Re: I'm Bullish on Bonds

In a previous post on CDs as a Bond ( lost due to power failure ), I cited a reference to a Jane Bryant Quinn article recommending VG STIG Bond Fund and stating that a significant portion of the holdings were jumbo bank CD's
by joe8d
Wed May 22, 2013 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Bullish on Bonds
Replies: 83
Views: 6392

Re: Roth vs traditional ira poll

To John:

I agree with your many comments on the subject and I am in the RMD phase of my investment life.
by joe8d
Wed May 22, 2013 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Roth vs traditional ira poll
Replies: 28
Views: 1400

Re: Alternative to Vanguard's High-Yield Corporate Bond Fund

T Rowe Price has a Hi Yd Corporate Bond Fund.I've used it in the past for TLH my VG fund.
by joe8d
Wed May 22, 2013 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard's High-Yield Corporate Bond Fund
Replies: 9
Views: 760

Re: In a complex world, investing should be simple

BolderBoy wrote:
rmelvey wrote:high quality cash

Can you tell me what this is?


I would define that as an FDIC Online Savings account such that offered by Ally or Barclays.
by joe8d
Tue May 21, 2013 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: In a complex world, investing should be simple
Replies: 12
Views: 1525

Re: selling a piano or move it ?

With those big pianos,it's generally give it someone who will pay to move it.That's what I had to do.
by joe8d
Sat May 18, 2013 10:43 pm
 
Forum: Personal Consumer Issues
Topic: selling a piano or move it ?
Replies: 10
Views: 410

Re: "Staying the Course"

It's funny to see how automatically new, as well as some of the more experienced posters, simply assume that they will easily stay the course for 40+ years. I'd like to see some kind of study showing how often people really make changes to their portfolio. I'm definitely in favor of nisiprius' sugg...
by joe8d
Fri May 17, 2013 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: "Staying the Course"
Replies: 27
Views: 2783

Re: 2 fund portfolio

I wonder why Vanguard didn't go with a TSM + Intl fund-of-funds approach - that combo would have been cheaper to implement, and reuses 2 of their already excellent indexing implementations. Sunny,I agree. VG uses the 70% TSM /30% Tint Stock Component in all the TR and LS funds.You would think that ...
by joe8d
Thu May 16, 2013 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 fund portfolio
Replies: 23
Views: 2450

Re: 2 fund portfolio

I wonder why Vanguard didn't go with a TSM + Intl fund-of-funds approach - that combo would have been cheaper to implement, and reuses 2 of their already excellent indexing implementations. Sunny,I agree. VG uses the 70% TSM /30% Tint Stock Component in all the TR and LS funds.You would think that ...
by joe8d
Wed May 15, 2013 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 fund portfolio
Replies: 23
Views: 2450

Re: Another worried bond investor

G-Money wrote: . . if Ally lets you. I'm sure you know Ally changed the terms and conditions of its CDs back in September 2012 to make it perfectly clear that you can only break a CD at Ally bank's discretion. viewtopic.php?p=1519339#p1519339. IMO, I think it would be a mistake to assume banks will ...
by joe8d
Wed May 15, 2013 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another worried bond investor
Replies: 50
Views: 2748

Re: Another worried bond investor

I agree with you, but there is a hard core here of people who feel safer sticking blindly with strategies that have served them well in the past, who see it as a sign of personal weakness to keep an open mind and pay attention to the warnings of the very financial experts who popularized the strate...
by joe8d
Wed May 15, 2013 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another worried bond investor
Replies: 50
Views: 2748

Re: tax friendly states for retirees

while NYS taxes IRA withdrawals at 8% but with a $40,000 deduction.


Neurosphere, Are you sure on that? I thought it was 20K.
by joe8d
Sun May 12, 2013 12:41 am
 
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 95
Views: 5766

Re: HAPPY BIRTHDAY MR. JOHN BOGLE

Happy Birthday Mr Bogle ! I hope you have a great day. :sharebeer
by joe8d
Wed May 08, 2013 9:49 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. JOHN BOGLE
Replies: 32
Views: 1414

Re: Lifestrategy funds

I did a search on the forum to try and find a discussion on the merits of these funds, and was only able to find some information on the funds back when they use to have a portion allocated to discretionary picks. Now that they have changed to a more BH 3-fund approach what do you all think of thes...
by joe8d
Thu May 02, 2013 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy funds
Replies: 13
Views: 1489

Re: Considering stepping down

Hello all! I am currently in a management position in a technical group, and I'm considering applying for a staff position in another department. I have my reasons for this - less hours worked (or at least actually getting paid when working extra), less responsibility, not having to be on-call, not...
by joe8d
Wed May 01, 2013 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering stepping down
Replies: 18
Views: 2894

Re: Bonds (VFSTX/VFICX) or Online Money Market?

I held VFSTX (Vanguard Short-Term Investment-Grade Fund Investor Shares) for a little over two years as the bond component of my portfolio, but the returns on it were less than impressive (the price fell slightly, and the amount of dividends decreased over time). Those bonds were sold to provide st...
by joe8d
Wed May 01, 2013 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds (VFSTX/VFICX) or Online Money Market?
Replies: 6
Views: 496

Re: Can someone explain CD ladders in plain English? vs i bo

In this interest rate environment,I wouldn't go any further than a 1 yr CD ladder. i have one with Ally Bank ( w/3mo rungs ). I have a 1 yr CD coming up for renewal every 3 months and get a 25 bp bonus on top of the current 1 yr rate.They all currently are running around 1.25% w/ renewal bonus.
by joe8d
Sun Apr 28, 2013 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Can someone explain CD ladders in plain English? vs ibonds?
Replies: 12
Views: 1201

Re: 6 ways money *can* buy happiness

(1) Spend Your Money On Many Small Pleasures Instead Of A Few Big Ones One researcher, for example, interviewed people of all income levels in the United Kingdom and found that those who frequently treated themselves to low-cost indulgences— picnics, extravagant cups of coffee, and treasured DVDs— ...
by joe8d
Thu Apr 25, 2013 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: 6 ways money *can* buy happiness
Replies: 5
Views: 1313

Re: Article: EE Bonds are the best Long Term bond

Luckily, I bought my full yearly allotment in Jan '03 just before they changed the method.Mine double in 17 years which would be Jan '20 :)
by joe8d
Thu Apr 18, 2013 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: Article: EE Bonds are the best Long Term bond
Replies: 77
Views: 4977

Re: New Roth IRA at vanguard question.

Follow Twins Fan's advice.
by joe8d
Tue Apr 16, 2013 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Roth IRA at vanguard question.
Replies: 2
Views: 272

Varguard lowers ER's again

Just was at the VG website and saw notice that VG has just lowerd the ER on my Admiral shares of TSM ( 0.5 ). Mid Cap Index ( 0.10 ) ans Small Cap Index ( 0.10 ).
by joe8d
Fri Apr 12, 2013 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Varguard lowers ER's again
Replies: 2
Views: 654

Re: Money market fund

woodwalker74 wrote:Am I loosing money keeping a couple of years expenses in Vanguard money market? The fee is more than the interest.


just use an FDIC Online Savings Account like Barclays ( 1% ) or Ally ( 0.84 ). I have them both.
by joe8d
Thu Apr 11, 2013 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money market fund
Replies: 11
Views: 1365

Re: Charles Ellis says stay out of bonds

Stay the course just means, "Don't make changes based on emotional responses to short term changes in the markets".
Exactly. that's been my interpretation of what "Stay The Course" means
by joe8d
Wed Apr 10, 2013 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Charles Ellis says stay out of bonds
Replies: 122
Views: 9738

Re: Best investment for cash needed in a year?

Boggler: Perhaps I don't understand, but If you have " just taken advantage of their (Vanguard's) financial plan service," why not ask them? Best wishes. Taylor They recommended the short term investment grade bond fund. I was hoping to get some other opinions as well. Given your specific...
by joe8d
Mon Apr 08, 2013 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best investment for cash needed in a year?
Replies: 14
Views: 1223

Re: I-bond loss of purchasing power

DAK wrote:What the loss of purchasing power for a FDIC insured CD at the going interest rate?


interest rates are lower than the Inflation rate and also subject to taxation further reducing the return.
by joe8d
Thu Mar 28, 2013 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: I-bond loss of purchasing power
Replies: 38
Views: 3582

Re: 3 Fund vs. Target Retirement Income Fund

Life Strategy Conservative Grrowth Fund would give you a static 40% Stock ( 70% TSM, 30% Tint ) / 60% Bonds.
by joe8d
Wed Mar 27, 2013 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund vs. Target Retirement Income Fund
Replies: 6
Views: 982

Re: Barclays OnLine 1% MMA-Any Experience?

Yes https://www.banking.barclaysus.com/faqs.html How can I make a new account a Payable on Death account? To make a new account a Payable on Death (POD) account, select Yes to the question “Make this a Payable on Death account?” during the account set up process. You will be prompted to identify yo...
by joe8d
Mon Mar 25, 2013 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclays OnLine 1% MMA-Any Experience?
Replies: 10
Views: 1381

Re: Barclays OnLine 1% MMA-Any Experience?

Does Barclays allow POD's on their accounts? I'm over the limit with Ally.But have increased coverage due to POD's. Still, I'm considering moving some of that money to another bank in case Ally has any problems. Barclays may be the answer.
by joe8d
Mon Mar 25, 2013 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclays OnLine 1% MMA-Any Experience?
Replies: 10
Views: 1381

Re: Emergency Fund really necessary in retirement

I think that "emergency fund" is just another name for "cash reserves" and other euphemism that we all use to denote cash that is siting in a bank account/MMF or other short term location that will probably be spent on something in the relatively near term. Some folks seem to li...
by joe8d
Sat Mar 23, 2013 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund really necessary in retirement
Replies: 19
Views: 1952

Re: simple retirement allocation for 401k rollover

I would use Life Strategy Growth ( 56% TSM, 24% Tint, 16% TBM II, 4% International Bond Idx ). Then use a separate Short Term Investment Grade Bond Fund to dilute down to desired bond allocation.
by joe8d
Sat Mar 23, 2013 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: simple retirement allocation for 401k rollover
Replies: 3
Views: 220

Re: CD Ladder Preferences

I have a 1 year CD ladder ( 4 equal amount 1 yr CDs spaced 3 mo. apart ) with Ally Bank.Given the current interest rate environment,i think that's the best way to go.
by joe8d
Wed Mar 20, 2013 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Preferences
Replies: 6
Views: 824

Re: Which Bond Fund VBMFX or VFSTX?

I personally split the two: 50% VBMFX and 50% VFSTX. My thought is that this brings the total duration down and adds more corporates (as total bond market has relatively a small amount of corporates - around 20% only). I believe even John Bogle has commented that the total bond market fund is actua...
by joe8d
Wed Mar 20, 2013 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund VBMFX or VFSTX?
Replies: 11
Views: 1148

Re: Pay AUM fee in cash?

I don't see the benefit to this. If your AGI is high, the investment management fees are almost certainly non-deductible. Pay them out of money in your IRA and you exclude those IRA funds from income. Yes you will end up with more money in your IRA by paying the fees with outside funds. But why is ...
by joe8d
Sat Mar 16, 2013 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: Pay AUM fee in cash?
Replies: 26
Views: 1116

Re: Ally bank rate reduction to 0.84%

Been so long since I've had any interest bearing bank accounts that I was wondering if it would be okay (next year) to combine the aggregate interest from multiple CD's and a money market from a single payer on one 1099-INT on the tax prep software? (All accounts registered in the same fashion.) Th...
by joe8d
Thu Mar 14, 2013 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ally bank rate reduction to 0.84%
Replies: 45
Views: 4184

Re: Looking over the hill: A 3-fund portfolio?

Retired, but not yet tapping retirement savings. Savings are more than adequate. He 62, she 60. 30 year plan. Let's say $1Million with withdrawal needs of $20k per year. 3 years (1-3 year) short term reserve: 10% $100k in VFSUX Vanguard Short-Term Investment-Grade Fund Admiral Shares (VFSUX) Plus: ...
by joe8d
Sun Mar 10, 2013 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking over the hill: A 3-fund portfolio?
Replies: 17
Views: 1538

Re: CSB FL Money Market vs. Barclays Savings vs. Ally's Savi

Also have to decide what to do now that I've lost the 1% (5 x nothing) rate from Capital One after a year. I do want at least one account at a bank where I can walk in, but am leaning towards moving the bulk of my money to an online savings account, lined to a local checking account. Brian I use Al...
by joe8d
Sat Mar 09, 2013 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: CSB FL Money Market vs. Barclays Savings vs. Ally's Savings?
Replies: 5
Views: 661

Re: Janus Fund in IRA

You may also want to consider VG Life Strategy Growth Fund. It has a static allocation of 80/20 and is 56% TSM,24% Tint,16% TBM II and 4% Tint Bond
by joe8d
Thu Mar 07, 2013 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Janus Fund in IRA
Replies: 8
Views: 532

Re: investing a windfall

We knew the money was coming and have planned for it. We've got an asset allocation we're happy with that includes a mix of equities, bonds, cash, and real estate. So following the basic bogleheads advice would mean (I think) Deploy! But gosh, the market is at an all-time high and, well, the notion...
by joe8d
Wed Mar 06, 2013 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing a windfall
Replies: 9
Views: 737

Re: How to invest RMDs I don't need

Same age, same situation. I'm taking it from the " Bond " Allocation and putting it into Ally Bank Online Savings.
by joe8d
Sun Mar 03, 2013 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest RMDs I don't need
Replies: 19
Views: 1505

Re: Another spouse left in charge

Consolidate current active 401K into:

90% TR 2045 or 2040 ( 90/10)
10% Vanguard Retirement Savings Trust


Transfer all eligible rollover accounts into VG Life Strategy Growth Fund ( 80/20 )
by joe8d
Fri Feb 22, 2013 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another spouse left in charge
Replies: 14
Views: 1304

Re: 84 year old help

It is interesting that you mentioned a possible annuity. Here are the reasons why I decided that an annuity did not make sense in this situation. I have not studied annuities because I was always turned off by the fees. But, it looks like I may need to be a little more educated now. Buying an annui...
by joe8d
Thu Feb 14, 2013 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 84 year old help
Replies: 19
Views: 1580

Re: What would you do if you were in my situation?(401k & Fu

I
like the 3 fund idea (Vanguard LifeStrategy Moderate Growth Fund)

My 401k is with fidelity. Any benefits of finding a similar fund from fidelity?


Fidelity has the Four in One Fund. Is that offered in your Plan?
by joe8d
Tue Feb 12, 2013 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do if you were in my situation?(401k & Funds)
Replies: 11
Views: 1040

Re: NY Times: Vanguard: "never go public"

Question... would you be in favor of Vanguard providing banking services (e.g. checking/savings accounts, mortgage/auto loans)?

How about Vanguard starting the largest federal credit union in the country?


Yes.
by joe8d
Tue Feb 12, 2013 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: Vanguard: "never go public"
Replies: 40
Views: 4382

Re: Poll for 65+ Seniors

Age 70. 50% Stock.
by joe8d
Tue Feb 12, 2013 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll for 65+ Seniors
Replies: 24
Views: 2370
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