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by joe8d
Fri May 22, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: Good 3-way LED Bulb?
Replies: 10
Views: 948

Re: Good 3-way LED Bulb?

I just use a 100 watt equivalent bulb instead of the 3-way.
by joe8d
Thu May 21, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4142

Re: Career Advice: Follow "Passion" or Follow the Money?

tludwig23 wrote:Follow your passion. Sure, the other career path pays more. You'll spend all that extra money trying to buy the happiness you no longer have at work. Your current job provides enough income and security to live a comfortable life.


:thumbsup
by joe8d
Thu May 21, 2015 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9906

Re: How much does social security factor into your retirement income?

I noticed that quite a number of retired people are saving their monthly SS payments and living off their investments. I a m planning on living off my SS payments and keeping my investments where they are. Am I missing here something? :confused Almost there No, I've been doing that for 11 years.
by joe8d
Thu May 21, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9906

Re: How much does social security factor into your retirement income?

I noticed that quite a number of retired people are saving their monthly SS payments and living off their investments. I a m planning on living off my SS payments and keeping my investments where they are. Am I missing here something? :confused Almost there No, I've been doing that for 11 years.
by joe8d
Mon May 18, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: 22 year old looking to get started
Replies: 18
Views: 902

Re: 22 year old looking to get started

My question is what should i do with the 8k I have in cash right now from graduation gifts. I was thinking of opening an Ally savings account.


Yes,Open the Ally account.
by joe8d
Mon May 18, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs for Retired Air Force (without degree)
Replies: 26
Views: 1568

Re: Jobs for Retired Air Force (without degree)

Home Depot hires Vets.30 yr Military Pension covers expenses, selling appliances at HD keeps you active doing something different, earns extra money and give you contact with public( big deal for retirees ).
by joe8d
Fri May 15, 2015 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9906

Re: How much does social security factor into your retirement income?

Retired 11 years and SS is absolutely the most important component of my retirement income.
by joe8d
Fri May 15, 2015 8:59 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 6659

Re: International - Who really is at 40%

20% International.
by joe8d
Fri May 15, 2015 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Vanguard mutual funds
Replies: 20
Views: 1430

Re: 401k - Vanguard mutual funds

401k is all in a conservative fixed 5% return fund


Keep that. Do stocks in taxable and IRA.
by joe8d
Fri May 15, 2015 7:48 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 8431

Re: Best Asset Allocation if you've "won the game"

The Wizard wrote:Somewhere around 50/50 seems optimal to me...


Agree.That's where I am.If you can take risk, but don't need to that would indicate half and half.
by joe8d
Fri May 15, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9160

Re: I Hate Vacations

burt wrote:Image


I just saw in the newspaper that a new Vacation movie is being made featuring the grownup kids from the original.
by joe8d
Fri May 15, 2015 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 6341

Re: Am I a Millionaire???

I use invested assets only in that determination. If you're Flagship with VG, you are a Millionaire :moneybag
by joe8d
Tue May 12, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Post- Retirement Jobs
Replies: 18
Views: 2287

Re: Post- Retirement Jobs

i've been working P/T at the local public library for going on 9 yrs and totally enjoy it.
by joe8d
Tue May 12, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9160

Re: I Hate Vacations

Am I the only one who feels this way?


Nope,never took a formal vacation in my life.
by joe8d
Mon May 11, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 6155

Re: Anybody 50/50?

I"m 50/50, but retired.I think accumulators should be 80-100% Stock in Retirement Accounts
by joe8d
Mon May 11, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5303

Re: Which Company Do You Have Auto Insurance With?

State Farm: Auto and Home.Never used any other company.
by joe8d
Fri May 08, 2015 7:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 1879

Re: Happy Birthday Mr. Bogle

Mr Bogle,also adding my wishes for a Very Happy Birthday.
by joe8d
Thu May 07, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: What to do with 1940's refrigerator that still works?
Replies: 36
Views: 2701

Re: What to do with 1940's refrigerator that still works?

In the early 40's, we still had an Icebox. That Refrigerator would be a collectors item. Put it on e-bay
by joe8d
Tue May 05, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services now live
Replies: 38
Views: 5358

Re: Vanguard Personal Advisor Sevices now live

I feel as though Vanguard is pushing this PAS a little too hard. The Vanguard home screen (mine anyways) greeted me today in big letters: Partner with a Vanguard Advisor Earn more with a Vanguard Advisor (Find out how an advisor can help improve your performance) Get Started with a Vanguard Persona...
by joe8d
Sun May 03, 2015 10:04 pm
Forum: Investing - Theory, News & General
Topic: Financial reasons to get a summer job?
Replies: 36
Views: 1841

Re: Financial reasons to get a summer job?

MnD wrote:Financial reasons to get a summer job?

Money in exchange for work. The sooner one experiences this the better.
Some people never seem to get this concept. So I'd encourage others to get first-hand experience in it.


Yes.
by joe8d
Sat May 02, 2015 10:26 pm
Forum: Investing - Theory, News & General
Topic: Library offers free access to M* research center
Replies: 2
Views: 421

Re: Library offers free access to M* research center

Yes, Check with your Public Library website. You'll find many of these services available for free.
by joe8d
Sat May 02, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: Electrical extension cord for a major appliance
Replies: 16
Views: 1201

Re: Electrical extension cord for a major appliance

drawpoker wrote:Orange ?
Yes, of course ! Along with orange blossoms as part of floral display at your funeral would be a nice touch......

(You were joking, right?)


Do you know what I'm talking about ?
by joe8d
Fri May 01, 2015 8:52 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 2873

Re: New I bond rates out - not good news

zaboomafoozarg wrote:On the plus side, the CPI went down so stuff isn't more expensive.


Maybe "Stuff" isn't , but things like food is.
by joe8d
Fri May 01, 2015 8:48 pm
Forum: Personal Consumer Issues
Topic: Electrical extension cord for a major appliance
Replies: 16
Views: 1201

Re: Electrical extension cord for a major appliance

I have one of those HD Orange extension cords that I use for anything.
by joe8d
Thu Apr 30, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: Anyone have an asset allocation not based on percentages?
Replies: 26
Views: 2403

Re: Anyone have an asset allocation not based on percentages

Taylor Larimore wrote:bs010101:

I am in late retirement. My bond allocation is the money I cannot afford to lose. The rest is in stocks.

Best wishes.
Taylor


The Best Plan :happy
by joe8d
Thu Apr 30, 2015 7:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.07%
Replies: 20
Views: 3796

Re: Vanguard Total Bond Market Index fund is now only 0.07%

Doc wrote:Is the 0.07% the e/r or the after tax total return? :twisted:


:D
by joe8d
Wed Apr 29, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: What do you tip a valet?
Replies: 54
Views: 3987

Re: What do you tip a valet?

they mess up my seat adjustment. I hate that. Every time I get my Buick back from the mechanic, i have to readjust the seat. It's an old car, so it's not like they're joy riding. YES, My main gripe with shops that only allow the mechanic to drive in ( a few feet usually) is that they move your seat...
by joe8d
Mon Apr 27, 2015 8:09 pm
Forum: Personal Consumer Issues
Topic: Mother to move closer to family but farther from friends?
Replies: 13
Views: 1416

Re: Mother to move closer to family but farther from friends

You Mom has the right idea. She is going to need to be close to family as she gets older and somewhat dependent. Her friends are probably her age, and will be less able and less willing to help her to the extent her family is. Better to move now while she is able to adjust more easily. It is also b...
by joe8d
Mon Apr 27, 2015 7:26 pm
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 3352

Re: How far away from a freight railroad track should you li

Used to live in house with a freight railroad track literally in my backyard.After a short time,you don't even hear it.
by joe8d
Mon Apr 27, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 22
Views: 1565

Re: How to best utilize TSP in retirement, particularly G Fu

Kevin M wrote:Simplicity is nice, but I would have a hard time passing up the free lunch of the G fund: longish-term Treasury rate with no default risk or term risk.

Kevin

+1
by joe8d
Mon Apr 27, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 844
Views: 117816

Re: What Movie Have You Recently Watched?

abuss368 wrote:Nick Cage "Joe" on Netflix. Strange!


Yes, but well acted.
by joe8d
Thu Apr 23, 2015 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2922

Re: Giving Vanguard VTSMX as a Wedding Gift

GoldenFinch wrote:I vote for cash and a nice card.


+1
by joe8d
Thu Apr 23, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1745

Re: cleaning plastic eyeglass lenses

Tissues are made from wood.I use cut up cloths from old cotton T-Shirts,water and Joy dish wash detergent.
by joe8d
Thu Apr 23, 2015 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to Second Act Career Switch
Replies: 22
Views: 2293

Re: Approach to Second Act Career Switch

Government Job !!!. Don't give that up.
by joe8d
Tue Apr 21, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement 2040..Why 90% Equities?
Replies: 15
Views: 2015

Re: Target Retirement 2040..Why 90% Equities?

For what it's worth, Vanguard target retirement funds keep the equity allocation relatively high earlier on (but not radically departed from the pack at all) and then taper off perhaps a little bit faster at a certain point. For comparison, see this paper from a couple years back: http://corporate....
by joe8d
Tue Apr 21, 2015 7:25 pm
Forum: Investing - Theory, News & General
Topic: Retirees: What is your SWR in retirement?
Replies: 45
Views: 4092

Re: Retirees: What is your SWR in retirement?

zero. Only take RMD and reinvest it in taxable.
by joe8d
Mon Apr 20, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: SS COLA for 2016 not looking good
Replies: 13
Views: 1866

Re: SS COLA for 2016 not looking good

I agree, but unfortunately I'm not seeing low inflation. Energy prices are certainly down, but my electricity generation rate just increased from .0759 to .103 per Kw, an increase of over 35%. Property taxes are going up by probably 4%. And everything in the grocery store (except Chicken) has incre...
by joe8d
Mon Apr 20, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 844
Views: 117816

Re: What Movie Have You Recently Watched?

Birdman, Perhaps I've the only person in America who did not enjoy this one...and I usually enjoy quirky, non-formulaic films...just couldn't get into it and I am even a big Edward Norton fan. Maybe it was too dark, too odd for even me. For those who enjoyed it, would like to know what subtle messa...
by joe8d
Thu Apr 16, 2015 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 2556

Re: yea or nay to 5 years CDs

Nay. Leave your Emergency Funds in a safe, easily accessible FDIC Online Savings account.
by joe8d
Tue Apr 14, 2015 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 tax effects of missed 2014 RMD
Replies: 7
Views: 572

Re: 2015 tax effects of missed 2014 RMD

Gill wrote:You can be quite confident the penalty will be waived.
Gill


2nd that.
by joe8d
Mon Apr 13, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Donating old books and getting tax writeoff?
Replies: 17
Views: 2198

Re: Donating old books and getting tax writeoff?

Your Public Library will accept your donation and give you a receipt for tax purposes,
by joe8d
Mon Apr 13, 2015 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 40
Views: 3352

Re: Ethnobotany as career choice

and likes spending time outdoors. He likes hiking, fishing, hunting, gardening, and most other outdoor activities.


I used to work with an Engineer who like the same, he quit and became a Forest Ranger.
by joe8d
Sat Apr 11, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3811

Re: Jane Bryant Quinn: Prepay your mortgage

Was listening to JBQ's advice before JB's and payed cash for my condo.
by joe8d
Sat Apr 11, 2015 9:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 844
Views: 117816

Re: What Movie Have You Recently Watched?

Just wasted a couple hours watching "Birdman".Terrible and I can't even figure what it was suppose to be about.
by joe8d
Fri Apr 10, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax states "New York has no income tax"?
Replies: 16
Views: 1418

Re: TurboTax states "New York has no income tax"?

Used TT this year and had no problem with NY tax return.
by joe8d
Fri Apr 10, 2015 9:34 pm
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2456

Re: Best US city to spend Xmas

They needed a perfect Christmas setting for a recent movie shoot and they picked East Aurora, NY.
by joe8d
Fri Apr 10, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5306

Re: On a budget and Friday night

Digiorno Pizza and free DVD from public Library.
by joe8d
Thu Apr 09, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really afford to retire in California?
Replies: 34
Views: 2828

Re: Can I really afford to retire in California?

CaliJim wrote:Please bring your own water. :wink:


OT, but turning abandoned Detroit into Farm Land ( on Great Lakes ) is something that should be considered.

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