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Re: When to throw out childhood toys? Encourage me please.

Block City blocks


My favorite.Went through 2 sets of them.Still have the metal Jeep that my uncle gave me when he was discharged from the army in 1946.
by joe8d
Sat Sep 20, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 27
Views: 1603

Re: Do I need to send in estimated tax????

Brandnew wrote:So, could I just electronically send in the $2k I estimate our tax to be this year? In essence, paid the full tax bill in one fell swoop?


I would do that and don't think you will have any problems.
by joe8d
Thu Sep 18, 2014 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 31
Views: 1774

Re: Convert from Investor to Admiral?

Funkey wrote:You will see an I listed under the fund name. If you click on the I it will let you convert to the Admiral fund. I would not call it automatic you have to act to convert it. Keep in mind it takes a day to convert and you can not invest in the fund until the conversion is done.


Yes.
by joe8d
Wed Sep 17, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convert from Investor to Admiral?
Replies: 6
Views: 825

Re: Estimated SS COLA for 2015

Dale_G wrote:I wish my grocery store based prices on cpi .

+!
by joe8d
Wed Sep 17, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Estimated SS COLA for 2015
Replies: 11
Views: 1044

Re: Any success stories of ppl who never made >$50,000?

All I will say is that it can be done :happy
by joe8d
Tue Sep 16, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9837

Re: The Roosevelts, PBS special

Hooked on It :happy
by joe8d
Mon Sep 15, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 87
Views: 6168

Re: Why Invest in Bonds in your early 30s?

Of course, 40% of his life savings won't actually "evaporate." He owned X number of shares the day before the drop, and he still owns X number of shares the day after. I find a lot of people talk about "losing" money when the market corrects, but if you're planning on staying in...
by joe8d
Mon Sep 15, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3530

Re: Retiree Poll: Do you own your primary residence?

Steelersfan wrote:Condo unit with a paid off mortgage.

No mortgage payment.

The sidewalks and driveway get the snow shoveled. The grass gets cut and the shrubs trimmed. But not by me.

Life's good!


Same here. Paid cash my condo 17 years ago.
by joe8d
Sat Sep 13, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1597

Re: Suggestions /Advice for a fresh college graduate

Even back in my day, early 60's, political science majors ended up driving cabs and sociology grads became bartenders .
by joe8d
Fri Sep 12, 2014 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 29
Views: 1565

Re: Three shares of stock, what to do with them?

Early this year, I received a form letter from the company offering to buy the shares at market value with no transaction costs. I accepted; mailed in the certificate; and received a check.


Yes, Call the shareholder service dept of the company and ask if they will buy them back.
by joe8d
Fri Sep 12, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three shares of stock, what to do with them?
Replies: 10
Views: 739

Re: Rather macabre but necessary question

First, I'm sure you've thoroughly investigated the medical expenses that might be involved during the course of your illness. That will depend on the insurance you have now with your employer and insurance you can obtain should you stop working until you qualify for Medicare at age 65. I'm a cancer...
by joe8d
Wed Sep 10, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6059

Re: Rather macabre but necessary question

Do you like your job enough that you look forward to going to work? Some people are lucky enough to be in that position, and if you are one of them there is no reason to quit. Perhaps you could arrange for part time work that would give you enough time for extended vacations. Ralph +1 and if you do...
by joe8d
Tue Sep 09, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6059

Re: If you won the lottery, does boglehead thinking still wo

The boglehead method would work. Some might need an advisor to keep them from doing something stupid. Many lottery winners are bankrupt a few years after winning. For me this is all theory since I view the lottery as a tax on people who are bad at math, even worse since in education lotteries they ...
by joe8d
Sun Sep 07, 2014 10:39 pm
 
Forum: Investing - Theory, News & General
Topic: If you won the lottery, does boglehead thinking still work?
Replies: 39
Views: 2931

Re: Need advice on short-term (bond) mutual funds

Use an Online Savings account for money needed SOMETIME ( CD will pay a fraction of % higher, but with premature withdrawal penalties ) within the next 2 yrs.
by joe8d
Sun Sep 07, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on short-term (bond) mutual funds
Replies: 10
Views: 782

Re: If you won the lottery, does boglehead thinking still wo

spectec wrote:I don't buy lottery tickets, because I think the odds of winning are essentially the same whether I buy a ticket or not.


+1
by joe8d
Sun Sep 07, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: If you won the lottery, does boglehead thinking still work?
Replies: 39
Views: 2931

Re: J. Zweig - smart investors you should follow - boglehead

Sometime around 2001 I think--can't seem to find the actual article online, anyone have it?--Jason Zweig attended one of the Bogleheads meetings and wrote an article in some familiar-named financial publication, entitled "Here Come the Bogleheads!" He tells of how a photographer, taking a...
by joe8d
Sun Sep 07, 2014 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: J. Zweig - smart investors you should follow - bogleheads
Replies: 19
Views: 2446

Re: Recommendations for Taxable Funds

Total Stock Market Index Fund certainly and Total International Index Fund for any foreign exposure desired.
by joe8d
Sun Sep 07, 2014 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Recommendations for Taxable Funds
Replies: 5
Views: 366

Re: Retiree Investor Needs Advice

Note that LifeStrategy Moderate Growth is a "fund of funds"; expense ratio reflects the additional administrative overhead - at 0.16%, you're paying a slight (~0.07%) premium for the luxury of set & forget with the current four fund mix. There is no " administrative overhead &quo...
by joe8d
Sat Sep 06, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Investor Needs Advice
Replies: 28
Views: 1606

Re: Do you consider your emergency fund part of your portfol

Toons wrote:Yes,It is a piece of the pie :happy


+1. "Savings" is what it really is and certainly part of your portfolio
by joe8d
Fri Sep 05, 2014 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3041

Re: Two Questions

My recommendation is 15 -25 %. Currently I'm around 20%.
by joe8d
Fri Sep 05, 2014 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 11
Views: 767

Re: RMD Process

Gill wrote:Just another twist; There has been so much discussion here about dying without taking the RMD that year, that I've arranged to have mine transferred automatically to my taxable account every January 5th
Gill


I've been doing pretty much the same for the same reasons.
by joe8d
Fri Sep 05, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD Process
Replies: 13
Views: 771

Re: Are there any real total bond funds?

My "Total Bond Portfolio" consists primarly of The Short Term Investment Grade Bond Fund with separate Hi Yld and NY Muni Fund holdings.
by joe8d
Fri Sep 05, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 2937

Re: Retiree Investor Needs Advice

I am 68 years old and have two(2) 401K accounts. Would like to roll them over into a diversified IRA or Brokerage Account with moderate risk. We will not need any income from this account to live on. Can someone advise on the best place to invest? "Moderate Risk"? Look no further,,,,Vangu...
by joe8d
Fri Sep 05, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Investor Needs Advice
Replies: 28
Views: 1606

Re: The four most useless things financial advisers tell you

Claim earlier than age 70 only if health issues, financial distress, or for spousal benefits optimization... Well, "financial distress " might be a little strong. I took SS the day I retired for two reasons, neither involving "distress": 1. Between it and my pension it gave me a...
by joe8d
Thu Sep 04, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: The four most useless things financial advisers tell you
Replies: 11
Views: 2023

Re: Coin Counting Machines

placeholder wrote:
russellh wrote:In the past I have taken coins to the post office and converted them into stamps.

I have more use for change day to day than stamps.


Does anyone else remember when you could send postage stamps instead coins for things like cereal box offers? :happy
by joe8d
Thu Sep 04, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4041

Re: Coin Counting Machines

Our library clerk has one of those plastic coin funnel contraptions. Just put coin wrapper ( free from bank ) on and drop coins in, close up and take to bank :happy
by joe8d
Wed Sep 03, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4041

Re: Has VMMXX been good to you?

It was for many years when interest rates were allowed to be "Normal".
by joe8d
Tue Sep 02, 2014 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Has VMMXX been good to you?
Replies: 11
Views: 625

Re: Is now a good time to buy bonds?

Jonathan Clements was recently interviewed by Vanguard.He Stated he had a 70/30 AA with the "Bond" portion being in Short Term Bonds and Bank CD's.Online savings accounts can also be used as "Bonds"
by joe8d
Tue Sep 02, 2014 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Is now a good time to buy bonds?
Replies: 18
Views: 1910

Re: Why is The Suze Orman Show showing repeats?

Summertime.
by joe8d
Mon Sep 01, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Why is The Suze Orman Show showing repeats?
Replies: 20
Views: 2512

Re: What Movie Have You [Recently] Watched?

Also wish to add "The Book Thief " to my recommendations.
by joe8d
Mon Sep 01, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4407

Re: What Movie Have You [Recently] Watched?

a Japanese animation " Grave of the Fireflys " . Haven't seen it, but knowing what it's about, it must be fairly depressing? It is. It is also one of the best animated films ever made. 97% on Rotten Tomatoes. If you are willing to let a film evoke these sorts of feelings I would highly re...
by joe8d
Mon Sep 01, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4407

Re: What Movie Have You [Recently] Watched?

Recommend "Labor Day" and a Japanese animation " Grave of the Fireflys " .
by joe8d
Mon Sep 01, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4407

Re: Anyone used Vanguard Flagship Services With Portfolio $1

The Free Trubo Tax is the only benefit I use.
by joe8d
Sat Aug 30, 2014 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4318

Re: Good place to buy eyeglasses without insurance?

Lenscrafters.They give a better store discount than the Insurance plan.
by joe8d
Sat Aug 30, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2511

Re: Excess RMD

cheese_breath wrote:
jsl11 wrote:Reinvest it in a taxable account.

+That's what I do. There's no IRS requirement that you have to spend the RMD.


Same.It's suprising how many people think you have to spend it :)
by joe8d
Sat Aug 30, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD
Replies: 19
Views: 973

Re: Poor Janus, a look at this once high flying fund family

I did own the Janus Fund and Janus Venture back in those days.
by joe8d
Fri Aug 29, 2014 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7285

Re: Only need $315k non-retirement $ to retire at Age 43?

I marvel that so many relatively young people are so desperate to stop working. Isn't there a job that you're qualified for that you'd enjoy doing?


Yes, I'm 72 and still work P/T because I like to.
by joe8d
Thu Aug 28, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Only need $315k non-retirement $ to retire at Age 43?
Replies: 36
Views: 5304

Re: Own the same fund in multiple accounts?

livesoft wrote:Perfectly OK and natural. Why wouldn't it be?


Yes.I own several across different accounts.
by joe8d
Thu Aug 28, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Own the same fund in multiple accounts?
Replies: 9
Views: 935

Re: A Primer on John Templeton

Sir John got me interested in International Investing way back when.
by joe8d
Thu Aug 28, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: A Primer on John Templeton
Replies: 28
Views: 2131

Re: My husband's " WILL", $ left for me to live on....

He is a cash poor but I know he is not broke. In some wired twisted way, I wish if he was actuary financially broke though. My guess is that as you dig, he will be closer to broke than you currently think he is. He might not be broke, just closer to it. I assume that he has a lot of that 7 million ...
by joe8d
Thu Aug 28, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17354

Re: Donald Trump - The Apprentice

More interested in his current bidding to become the new owner of the Buffalo Bills.
by joe8d
Thu Aug 28, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1715

Re: Ally Bank CD

I've held a CD ladder with Ally as well as a savings account. I've since cashed in one CD upon the renewal date because they have lowered their bonus amount for renewing. As the other three CD's come due I plan not to renew them and I will transfer the cash back to my taxable Vanguard MM fund for f...
by joe8d
Wed Aug 27, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1599

Re: Ally Bank CD

I've had a 1 year CD Ladder ( 4 CD's ,3 Mo. apart ) for several years w/NP. Given current very low rates for CD's ,I would recommend the Online Saving Account instead.
by joe8d
Wed Aug 27, 2014 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1599

Re: Bad(?) advice given about Target Date Retirement funds

Although we all agree that for the average Boglehead, buying the 4 funds inside the TR funds, getting the admiral shares, rebalancing yourself, keeping the ones that create the most taxable events in your tax-advantaged accounts, is the best way to go. I'm not sure we all agree with that. I know I ...
by joe8d
Wed Aug 27, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6485

Re: Savers vs. Spenders: Default Mode

tainted-meat wrote:I think it's hard for most people to save because most people just don't make that much money.

In my opinion, saving is more of a privilege than a norm.


Very true.
by joe8d
Tue Aug 26, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2235

Re: Portfolio advice for Mom at 86 years

Never thought I'd say this, but I'm inclined to agree, leave it alone. Vanguard and low cost investing are helpful in the growth phase (including early retirement). But not much is to be gained in the last ten years or so if the current situation is sustainable. Moving all the money around will cau...
by joe8d
Tue Aug 26, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 1826

Re: Schwab - now endorsing Index Funds

I have a booklet written by Charles Schwab 20 years ago, advocating Index Funds.
by joe8d
Tue Aug 26, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 2126
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