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Re: Vanguard sued for charging too little

Christine_NM wrote:So maybe this Contingency Reserve is Vanguard's version of a dark pool?

What next, will Wall Street firms have to pay taxes too?


:happy
by joe8d
Sun Jul 27, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 104
Views: 8614

Re: Does severance pay reduce or relace unemployment benefit

You should make sure that it is technically severance that she is receiving. Some companies make you sign paperwork waving your right to sue for wrongful termination and/or reaffirm your non-compete/NDA/non-dsiparagement clause. If the company makes her "severance" contingent upon signing...
by joe8d
Sat Jul 26, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 48
Views: 2446

Re: RMD's [Required Minimum Distributions]

I have Vanguard calculate the RMD (single IRA so all in one place) and then sell the rounded up amount and buy the same amount in a taxable fund. I


Same here.
by joe8d
Sat Jul 26, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD's [Required Minimum Distributions]
Replies: 11
Views: 1039

Re: Whats a Better Lot in a Tract Home Neighborhood?

Boglegrappler wrote:I vote against the pond, based on the issue of having to monitor one's children more closely. Mosquitoes, and other issues could be on people's minds as well.

+1
by joe8d
Fri Jul 25, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 31
Views: 2034

Re: Wall Street Journal Subscription Increase

Murdock needs the money to buy Time Warner :happy
by joe8d
Fri Jul 25, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 24
Views: 1347

Re: Does severance pay reduce or relace unemployment benefit

I'm in NY. In my case I received Serverance including vacation pay in one lump sum and was able to draw my UI immediately.
File for UI and let them make the determination.
by joe8d
Fri Jul 25, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 48
Views: 2446

Re: Anyone used Vanguard electronic money transfer

Used many times w/ NP.
by joe8d
Thu Jul 24, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone used Vanguard electronic money transfer
Replies: 20
Views: 1449

Re: Here's another "where should I retire" thread

. The area surrounding Charlotte is more Purple than Red or Blue with a huge influx of transplants. If you really want Blue in NC and hang out with transplanted retired flower people and artists from the 1960's, try Asheville NC. Your wife can also run ultra marathons in the Mountains there and aff...
by joe8d
Wed Jul 23, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 5961

Re: Saudi Arabia?

What would be there to invest in ?
by joe8d
Wed Jul 23, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1327

Re: Savings bank

Stick with Ally or Barclays ( have accounts at both ).
by joe8d
Wed Jul 23, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Savings bank
Replies: 3
Views: 436

Re: Do you split in-state and fed munis? If so, how?

All my muni exposure is in the VG NY LT Tax-Exempt fund.
by joe8d
Wed Jul 23, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you split in-state and national munis? If so, how?
Replies: 16
Views: 671

Re: Helping My Grandmother

She needs to keep what little she has in an FDIC Online Bank Saving Account and try to get a P/T job.
by joe8d
Tue Jul 22, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3179

Re: retirement transfer from Janus

Life Strategy Growth ( 80%)- TSM, TInt, TBM ,Int Bd.
Short Term Investment Grade Bond Fund ( 20% )

Used to own Janus Fund And Janus Venture.
by joe8d
Tue Jul 22, 2014 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement transfer from Janus
Replies: 4
Views: 441

Re: Opinions - What to do with $50k for 12mos

bhsince87 wrote:Leave it sit.


:thumbsup
by joe8d
Tue Jul 22, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions - What to do with $50k for 12mos
Replies: 8
Views: 880

Re: VMMXX: Finally Pulled the Trigger

P.S. I am a dinosaur. I have Prime and I reinvest dividends.sscritic


Same here. Keep just enough to keep account open and have all dividends reinvested.
by joe8d
Mon Jul 21, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 20
Views: 2669

Re: Anyone attend Worcester Polytechnic Institute

Dopey wrote:I know I wouldn't hire a fresh grad whose major was Engineering Management. What is she going to manage?

I'd rather hire a mechanical engineer and send him/her to get their masters in engineering management once they prove their worth.


Yes, that's how I think it would work.
by joe8d
Mon Jul 21, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Anyone attend Worcester Polytechnic Institute
Replies: 45
Views: 2411

Re: Which Bernstein Book?

4 Pillars.
by joe8d
Mon Jul 21, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Which Bernstein Book?
Replies: 27
Views: 1861

Re: Stable Value Fund vs Total Bond Market

When I was working, my entire 401k " Fixed Income " allocation was in Stable Value.I wish I had access to it now.
by joe8d
Mon Jul 21, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 27
Views: 2139

Re: Hw many credit cards to own?

No Credit cards.One Debit card
by joe8d
Mon Jul 21, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 69
Views: 4114

Re: Helping My Grandmother

this is a very difficult situation. i would suggest at least considering moving the money to an online savings account. she could get .85-.90% interest that way. and maybe consider some CDs. is there any chance she could obtain a part-time job of some sort? it sounds like she is very active. anythi...
by joe8d
Sun Jul 20, 2014 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3179

Re: Millennials (with jobs) are super-saving their retiremen

Average boomer starting to save for retirement at age 35 makes sense to me. What year might that have been? What products were available then? Or better yet, what financial products were not available before then? Were pensions a primary way of dealing with retirement before that? As for millennial...
by joe8d
Sat Jul 19, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9179

Re: If you own a car, do you have a car payment?

Always payed cash.
by joe8d
Sat Jul 19, 2014 11:33 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7070

Re: A Romney Problem

Levett wrote:Me. I paid my taxes.

Lev


Same here.
by joe8d
Fri Jul 18, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 2019

Re: Likely about to lose job, planning for transition

Do you think you would get a severance package that might include things like continued healthcare, 6+ months of salary, etc? Or would you sign up for unemployment? I think I'll get a standard package which is either 1 or 1.5 months of pay, and possibly a month of health care coverage. I'll have to...
by joe8d
Thu Jul 17, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2631

Re: retirement fund or college fund?

jsl11 wrote:Costs should not be that high at a public university. Keep in mind that there are no scholarships for retirement.
Jeff


:thumbsup
by joe8d
Thu Jul 17, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement fund or college fund?
Replies: 15
Views: 856

Re: Purchasing Food at Work

Brown bag a sandwich or 2 and a piece of fruit.I did it through my school years and continued throughout my entire work life.
by joe8d
Thu Jul 17, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3966

Re: Teacher Considering Career Change

Maybe a Parochial school instead of Public?
by joe8d
Wed Jul 16, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 3520

Re: Question about managed account

30K in 28 funds :oops: Get it over to VG ASAP. TD use LS Funds, taxable TSM / Tint.
by joe8d
Mon Jul 14, 2014 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about managed account
Replies: 17
Views: 1355

Re: Have you quit your job because of your boss?

Bad Bosses tend to eliminate themselves sooner than later. so just hang in there.
by joe8d
Mon Jul 14, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7131

Re: Thoughts on 100% stock allocation for 33 year old

corner559 wrote:For retirement money at your age 100% is fine. I was at 95% until just last year and am not much older than you. You have a LONG way to go to retirement.


+1
by joe8d
Mon Jul 14, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6178

Re: Adding Corporates to Total Bond Market Index

I think those who oppose corporate bonds totally and suggest equities instead are off the mark. The Intermediate Investment Grade fund had a temporary dip in 2008 and more than recovered in 2009 when it far surpassed treasuries. I don't think that one should exclude a class of bonds based on such a...
by joe8d
Mon Jul 14, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6558

Re: CD ladder emergency fun

See bankrate.com and Synchrony Bank . Right now, the interest rate difference between a "high yield" (HA!) savings account at these banks and a short-term CD rate is trivial, so it may not be worth it. It's your call. +1 especially for an "Emergency Fund" ( quick access to the m...
by joe8d
Sun Jul 13, 2014 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD ladder emergency fun
Replies: 22
Views: 2626

Re: What after-tax income could you live on today?

Under 20K. Have been doing it.
by joe8d
Sun Jul 13, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4996

Re: POLL: Walmart vs Amazon

I boycott Walmart. Amazon may have its problems but I don't think they treat their employees as bad as Walmart. If Walmart treated their employees so poorly, they wouldn't continue to have employees. They wouldn't continue to flourish. Simple microeconomics. When I was in high school and college, a...
by joe8d
Sat Jul 12, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8046

Re: Retiring soon setting aside 3 years living expenses

I would recommened a longer period ( LMP if possible ) and use Online Savings,1 Year CD Ladder and Short Term Bonds ( can also be Savings Bonds ).

I am 72 and retired over 10 years and it's what I've done.
by joe8d
Fri Jul 11, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5245

Re: Boglehead Rules Of Thumb To Investing?

1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest with simplicity 10 Stay the course Stolen from http://www.bogleheads.org/wiki/Bogleheads%...
by joe8d
Fri Jul 11, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Rules Of Thumb To Investing?
Replies: 23
Views: 3205

Re: What ONE investing book or article for skeptical sibling

Hello all, I'm wondering what ONE book or couple of articles Bogleheads would recommend for my sibling to learn more about the Boglehead approach to investing. He is mid-40s leaving his job after 15 years and has a $300K 401k which he has stated he wants to rollover into a vehicle where he can inve...
by joe8d
Thu Jul 10, 2014 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: What ONE investing book or article for skeptical sibling?
Replies: 30
Views: 2869

Re: Electric Bike

Harley Davidson now has an electric Harley in it's product line.
by joe8d
Thu Jul 10, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Electric Bike
Replies: 16
Views: 2017

Re: Online classes?

Just check out You Tube.
by joe8d
Thu Jul 10, 2014 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Online classes?
Replies: 7
Views: 1038

Re: Please help go over my 401(k) options

Schwab 1000 Index Fund (0.29%)
Vanguard Small Cap Index Admrl (0.09%)
Vanguard TOT Intl STK IDX ADM (0.14%)


Morley Stable Value Fund 50 (?) What does this yield ?
by joe8d
Wed Jul 09, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help go over my 401(k) options
Replies: 9
Views: 746

Re: What one Vanguard fund for retirement?

let say age=65, and have 6 figures in an IRA at Vanguard. You don't need the $. you have pension and social security, and have almost $1000/month left over after expenses. What one fund to invest in and forget about it? Wellesley? (40/60 stock/bonds) Target income fund??? Life Strategy Moderate Gro...
by joe8d
Wed Jul 09, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What one Vanguard fund for retirement?
Replies: 12
Views: 2669

Re: Windows 7 free support will be ending in 2015

MS has supported XP beyond the offical termination date.
by joe8d
Tue Jul 08, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 2240

Re: Question on Vanguard Balanced Funds

gouldnm wrote:Wow, that was fast. Thanks, everyone, for your replies!


Yeah, 4 answers in 1 min :happy
by joe8d
Tue Jul 08, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Balanced Funds
Replies: 10
Views: 1207

Re: List of Worst financial advice (what not to do):

"It's ok to get an expensive post grad degree in humanities that will put you in a high five or six figure debt but it's ok because your future salary should make up for it!" On NBC News tonight, it's WHAT you take (STEM) not where you went to school ( public/private )that determines your...
by joe8d
Tue Jul 08, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 15978

Re: Question on Vanguard Balanced Funds

LS Moderate has an International stock and bond component, Balanced is all domestic.
by joe8d
Tue Jul 08, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Balanced Funds
Replies: 10
Views: 1207

Re: Advice for how to fund my wedding

Clearly you should have everyone Skype in as you get married by the justice of the peace:)


Actually, my church broadcasts, on it's website, all masses,weddings and funerals for those that cannot physically attend,
by joe8d
Tue Jul 08, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2746
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