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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: 684

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: 30
Views: 2477

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: 147
Views: 10512

Re: Retiree Poll: Satisfaction with retirement

investor wrote:why not be satisfied... everyday is a Saturday

investor


When every day is a Saturday, then no day is a "Saturday".
by joe8d
Tue Mar 03, 2015 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 3759

Re: What if you already have a couple million?

Toons wrote:A quick answer from me ,with those assets 20 years till retirement,
Investable assets 50/50 stock- bond Allocation. :happy


+1
by joe8d
Mon Mar 02, 2015 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What if you already have a couple million?
Replies: 42
Views: 6285

Re: More intl exposure in Life Strategy Growth - drop out of

1) How does your daughter feel about it? She does not have strong opinions on this kind of thing. I certainly will do nothing without her concurrence. 2) Having picked an all-in-one fund like LifeStrategy Growth, you can't expect it to be a perfect match to your own tastes. Is it really so far off?...
by joe8d
Mon Mar 02, 2015 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: More intl exposure in Life Strategy Growth - drop out of it?
Replies: 17
Views: 1609

Re: Where's your Will?

Copy in home file and the original on file at Surrogate Court.
by joe8d
Mon Mar 02, 2015 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 43
Views: 2316

Re: Honda fit vs VW GTI

Chevy Spark.
by joe8d
Sun Mar 01, 2015 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 44
Views: 2858

Re: International is disappointing

Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%? So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market). S&p 500 is disappointing. It underperformed international by 50% between 2003-2007. If yo...
by joe8d
Fri Feb 27, 2015 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4495

Re: Dilbert on investment advice

Scott Adams has got to be on here :happy
by joe8d
Thu Feb 26, 2015 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 21
Views: 4084

Re: Vanguard lowers expense ratios

LSG .20% >.17%
by joe8d
Thu Feb 26, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard lowers expense ratios
Replies: 4
Views: 1503

Re: Vanguard

On the left hand side of the home page for this forum is a click on link to Vanguard.
by joe8d
Wed Feb 25, 2015 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: [How do I invest with] Vanguard
Replies: 5
Views: 666

Re: Convincing older relative to open online savings account

Ally Bank allows phone transactions and provides paper statements.
by joe8d
Wed Feb 25, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Convincing older relative to open online savings account
Replies: 34
Views: 1472

Re: What are Costco's best deals?

:thumbsup
Bustoff wrote:
joe8d wrote:Wish we had a Costco's here :(

Wish we had Wegman's here :(

... and "Beef on Weck"

:happy
by joe8d
Wed Feb 25, 2015 7:52 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13491

Re: What is your favorite consumer product?

The detachable shower head.
Ice Cream-all brands
Maxwell House coffee
Simply Orange Juice
Target's Market Pantry Pizza.
Zest Soap
Tide
by joe8d
Tue Feb 24, 2015 9:32 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9970

Re: Taking RMD this year

Lon wrote:I was going to wait until the end of this year before taking my 2015 RMD but then thought to my self, what if I die before taking it. Would their be negative tax consequences for my beneficiary?


Yes I take mine early and file my taxes as soon as possible for that reason.
by joe8d
Tue Feb 24, 2015 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking RMD this year
Replies: 13
Views: 930

Re: What are Costco's best deals?

Wish we had a Costco's here :(
by joe8d
Tue Feb 24, 2015 8:52 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13491

Re: How do you plan on spending your time during retirement?

I'm spending retirement time by working :happy
by joe8d
Mon Feb 23, 2015 8:37 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3082

Re: electric toothbrush

The best thing that ever happened to my teeth was my dentist giving me a big 5 inch long floss holder way back when. It is a breeze to floss with that thing. You just wrap the floss around the holder/handle and use it like a tooth brush. Anyone else use them? I do.Can't find them anymore. Also, use...
by joe8d
Sat Feb 21, 2015 11:36 pm
 
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2208

Re: End of Life for a Friend of Mine....a couple weeks ago..

Based on my experience with family members,Hospice is essentially Euthanasia.
by joe8d
Fri Feb 20, 2015 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: End of Life for a Friend of Mine....a couple weeks ago....
Replies: 41
Views: 4410

Re: Options forums

M* has one.
by joe8d
Fri Feb 20, 2015 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: Options forums
Replies: 2
Views: 215

Re: Should older workers omit graduation dates on resume?

fanmail wrote:The older your college degree, the more worthless it is. Luckily you can more than offset that with real world experience.


+1
by joe8d
Fri Feb 20, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should older workers omit graduation dates on resume?
Replies: 34
Views: 3210

Re: End of Life for a Friend of Mine....a couple weeks ago..

The last three deaths in my family were in hospice care. The persons knew in advance they were going into hospice care, said goodbye to families, and were sedated and unresponsive not long afterwards, dying within a week. This may not be much different than assisted suicide, as the immediate cause ...
by joe8d
Fri Feb 20, 2015 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: End of Life for a Friend of Mine....a couple weeks ago....
Replies: 41
Views: 4410

Re: What is your favorite consumer product?

kjvmike wrote:Simply Orange


+1
by joe8d
Wed Feb 18, 2015 8:19 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9970

Re: Improving the Lifestrategy Funds

1) Split the bond allocation between TBM and STIG

2) Move the international allocation back to 20%

3) Add a 50/50 ( Balanced ) fund to the series.
by joe8d
Tue Feb 17, 2015 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 29
Views: 2535

Re: Relative working at Safeway

Put it all in the S&P 500.
by joe8d
Mon Feb 16, 2015 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relative working at Safeway
Replies: 22
Views: 2609

Re: Social Security as a bond?

I've read about SS and pensions as bonds over the years and it never made a lot of sense to me personally. Instead I've figured out how much a year I need to live on. From that I subtract the annual value of my SS and pension. That produces a number I may need to make up from my portfolio. Then I a...
by joe8d
Fri Feb 13, 2015 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security as a bond?
Replies: 47
Views: 3179

Re: Shouldn't bond fund holders celebrate if rates go up?

Yes, if it means that rates are "Normalized"
by joe8d
Fri Feb 13, 2015 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5020

Re: How do you rent new release movies?

I reserve mine at my local library through their website. Fortunately my library updates their new DVD release list every other Monday at 9:30 AM. So I log on at 9:29 and I am always one of the first to reserve them. A couple of days later I get an email that I can come pick them up. I get to see t...
by joe8d
Fri Feb 13, 2015 8:10 pm
 
Forum: Personal Consumer Issues
Topic: How do you rent new release movies?
Replies: 20
Views: 1271

Re: Rebalancing By Contribution

lack_ey wrote:Sure, in accumulation this makes sense, even more so in taxable space.


:thumbsup
by joe8d
Fri Feb 13, 2015 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing By Contribution
Replies: 4
Views: 577

Re: Is the long run number for all bond fund NAV'S flat?

No.Just look at the 10 year NAV Charts for bond funds at VG.
by joe8d
Wed Feb 11, 2015 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is the long run number for all bond fund NAV'S flat?
Replies: 14
Views: 789

Re: I'm not a bad Boglehead [buying Powerball ticket]

OP, hope this isn't you... Husband says... "What would you do if I won the lottery?" Wife says... "I'd take my half and leave you." Husband says... "I won twelve dollars yesterday. Here's six for you. Keep in touch." :D :D :D I was working with a guy who won 6 million ...
by joe8d
Wed Feb 11, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6158

Re: Where to buy nice men's dress shirts?

I don't like the "no iron" all-cotton shirts. I'm going to iron the p*ss out of them anyway, I like CRISP. and the no-iron finish changes the texture of the cotton. (ETA: yes, I iron my own shirts) Brings me back to the bad old days of shirt ironing every Sunday night. Just think of all t...
by joe8d
Wed Feb 11, 2015 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6119

Re: Where to buy nice men's dress shirts?

JC Penny. Stratford Dress Shirts.
by joe8d
Wed Feb 11, 2015 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6119

Re: Using online tax software

ubermax wrote:
mhc wrote:I prefer it. I don't like installing software on my computer. I also don't like keeping up with data files when I get a new computer. I have been very happy with TT online.


+1 Couldn't have said it better !!


+2
by joe8d
Wed Feb 11, 2015 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Using online tax software
Replies: 14
Views: 1006

Re: Forgot to take RMD.. now what?

Sidney wrote:
Gill wrote:Ignore it. Take the 2015 RMD and move on. The IRS isn't chasing down $300 RMD's.
Gill

Nope. File the form for a waiver and get the 2014 distribution done in 2015.


+1
by joe8d
Wed Feb 11, 2015 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forgot to take RMD.. now what?
Replies: 27
Views: 2769

Re: Food of the Fifties

Who goes into a store these days and buys Ball and/or Mason jars for canning? I suspect canning is becoming a lost art. I remember watching my Mom can (mostly home-grown green beans), but I was but a lad, never quite grasped the art, went off to college, and there you have it. Actually, by the time...
by joe8d
Wed Feb 11, 2015 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11221

Re: Vanguard Ultra-Short-Term Bond Fund now available

I'll stay with STIG for now.
by joe8d
Tue Feb 10, 2015 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund now available
Replies: 35
Views: 3964

Re: Food of the Fifties

Did any of you eat minute steaks? I remember them coming frozen. My mom kept them for after school snacks. I'd fry them up in melted margarine and stick them between two slices of Wonder bread along with a slice of Velveeta. That and a glass of milk would hold me over until dinner. gatorman Yes, We...
by joe8d
Tue Feb 10, 2015 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11221

Re: Food of the Fifties

" Chip Steaks ", Tuna Fish Patty's
by joe8d
Tue Feb 10, 2015 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11221

Re: Food of the Fifties

Pigs in the Blanket were sold by Loblaws supermarkets in the '50's and was a hot dog with a cheese slice inserted in the center and had a strip of bacon wrapped around it and held in place with tooth picks.

I also liked SOS.
by joe8d
Tue Feb 10, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11221

Re: Valentine’s day dinner I could cook?

A frozen pizza.
by joe8d
Mon Feb 09, 2015 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2399

Re: buy gold in euro terms

Why are these different, except for trading expenses? Plan A: 1. Buy gold with USD. 2. Sometime later, sell gold for USD. Plan B: 1. Buy Euros using USD. 2. Buy gold with said Euros. 3. Sometime later, sell gold for Euros. 4. Buy USD using said later Euros. Plan B includes currency risk. No, it doe...
by joe8d
Mon Feb 09, 2015 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: buy gold in euro terms
Replies: 27
Views: 1333

Re: The case for Actively Managed Funds - WSJ Article

3. When You Own Bonds


My bond funds are all VG actively managed.
by joe8d
Mon Feb 09, 2015 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: The case for Actively Managed Funds - WSJ Article
Replies: 14
Views: 1517

Re: Ten Year Treasuries Up 1.68 to 1.95 This Week

My STIG bonds took a 4 cent drop on Friday.
by joe8d
Sat Feb 07, 2015 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ten Year Treasuries Up 1.68 to 1.95 This Week
Replies: 24
Views: 1959

Re: Advantages of working past your number

The only exceptions being the very very minute number of people that actually LOVE their job.


I'm 72.5 and I like working my P/T job.
by joe8d
Fri Feb 06, 2015 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advantages of working past your number
Replies: 53
Views: 4053

Re: Filed your 2014 Federal Taxes yet?

Just received the last document needed yesterday.
by joe8d
Fri Feb 06, 2015 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4060

Re: PA No Longer Allows Foreign Tax Credit

stlutz wrote:Interesting. Wouldn't such a credit be double-dipping? If I paid $100 in foreign tax and the feds gave me a $100 credit, what would a state have to credit back?


Yes.
by joe8d
Thu Feb 05, 2015 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: PA No Longer Allows Foreign Tax Credit
Replies: 5
Views: 755
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