Search found 3802 matches

by joe8d
Tue Jun 30, 2015 8:14 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 57
Views: 2959

Re: TIPS - Did you give up?

TIPS are intended to protect against unexpected inflation,


I keep seeing this statement.To me,TIPS are intended to keep pace with actual Inflation.All future inflation is unpredictable.
by joe8d
Tue Jun 30, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to predict state taxes to help decide where to live
Replies: 14
Views: 826

Re: How to predict state taxes to help decide where to live

There is no ultimate out there, IMO. Tolerable taxes and somewhere you really want to live should be the concern.


Yes, The " No Income Tax States" should really be called the " Regressive Tax States" when you take in account the ENTIRE taxing structure.
by joe8d
Sat Jun 27, 2015 11:18 pm
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 2896

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

stan1 wrote:Set it out on the curb and put a large sign on it that says "Still works -- FREE!"

May or may not work, but worth a try.


Did that with a dryer last week. Gone in an hour.
by joe8d
Sat Jun 27, 2015 11:15 pm
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 2896

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

Had a 26" working RCA CRT and the Vietnam Vets picked it up.
by joe8d
Fri Jun 26, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Move for a Federal Job - Finances?
Replies: 21
Views: 2300

Re: Move for a Federal Job - Finances?

They should stay put.
by joe8d
Tue Jun 23, 2015 7:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2235

Re: Happy Birthday to Mel [Lindauer]

Happy Birthday Mel :sharebeer
by joe8d
Sun Jun 21, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 144
Views: 19119

Re: When saving money becomes an irrational obsession

toto238 wrote:I think we see more than one of these here on BH. Like the person that has pensions and SS covering 100% of their yearly expenses AND has a 7-figure portfolio to boot and is worried if they can retire.


:)
by joe8d
Sun Jun 21, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: Anyone Install a new shower lately?
Replies: 16
Views: 1523

Re: Anyone Install a new shower lately?

cheese_breath wrote:We like our Moen.


:thumbsup
by joe8d
Sat Jun 20, 2015 9:43 pm
Forum: Personal Consumer Issues
Topic: Where can I buy wiper blade inserts?
Replies: 22
Views: 2696

Re: Where can I buy wiper blade inserts?

What model car do you need them for?
by joe8d
Thu Jun 18, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: Should I open up floor of very old home to search for old coins?
Replies: 35
Views: 4983

Re: Should I open up floor of very old home to search for old coins?

This make me think of all the Mickey Mantle baseball cards I slid into the wall of my childhood home in the 50"s :oops:
by joe8d
Wed Jun 17, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: Wedding Receiption
Replies: 38
Views: 4191

Re: Wedding Receiption

A cash bar at a wedding? Never heard of such a thing.
by joe8d
Mon Jun 15, 2015 9:10 pm
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 7652

Re: Retirement areas, not Florida

To me, anything over 70F is too hot.


Same here. WNY has wonderful summers and we have plenty of drinkable water .
by joe8d
Sat Jun 06, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: New CC expiration date but same card number - do I have to update auto pays?
Replies: 11
Views: 1353

Re: New CC expiration date but same card number - do I have to update auto pays?

When I had that happen,I had to update some ( was notified ) and others picked it up automatically.
by joe8d
Fri Jun 05, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12072

Re: Frugal Millionaires Article...Sounds Like Bogleheads

I suspect there are many Boglehead "working stiff" millionaires on this forum who didn't inherit a dime, took advantage of the opportunities America offers, got a good education, worked, saved, invested and let the power of compounding work its magic. The real "ovarian lottery" ...
by joe8d
Fri Jun 05, 2015 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy funds
Replies: 7
Views: 1093

Re: Lifestrategy funds

I would stay as you are.
by joe8d
Fri Jun 05, 2015 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12072

Re: Frugal Millionaires Article...Sounds Like Bogleheads

and how a working stiff just needs to work, save diligently, and invest wisely to become affluent.


It can happen that way.
by joe8d
Fri Jun 05, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8334

Re: Thoughts on Federal Employment

Take the Federal job.
by joe8d
Fri Jun 05, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Investing
Replies: 43
Views: 2863

Re: Socially Responsible Investing

SimonJester wrote:Invest in the total stock market fund that way you are not giving favor to any one single socially irresponsible company.


Yes and one can always contribute to socially responsible causes.
by joe8d
Thu Jun 04, 2015 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: The All Seaon Portfolio by Tony Robbins
Replies: 8
Views: 1761

Re: The All Seaon Portfolio by Tony Robbins

miles monroe wrote:tony robbins - the motivational speaker infomercial guy - would be the last person i'd take financial advice from.

:thumbsup
by joe8d
Thu Jun 04, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 1458

Re: Refrigerator--Buy New or Used

tadamsmar wrote:A repair man just told me that a base model GE refrigerator is the most reliable. The more features the more maintenance.


Yes, Probably about $400 at Lowes or HD. I bought one a couple of years ago.
by joe8d
Wed Jun 03, 2015 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Are VG Target funds shifting too much to Int'l Stock fund?
Replies: 40
Views: 3904

Re: Are VG Target funds shifting too much to Int'l Stock fund?

topper1296 wrote:When does this take affect and will it happen all at once on a particular day or a gradual shift over a period of time?


As far as i know,it's already in place.
by joe8d
Wed Jun 03, 2015 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Are VG Target funds shifting too much to Int'l Stock fund?
Replies: 40
Views: 3904

Re: Are VG Target funds shifting too much to Int'l Stock fund?

Yes. Prefer 20-25% especially with USD appreciating.
by joe8d
Sun May 31, 2015 10:41 pm
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6136

Re: Which grocery stores do you shop at and why?

canderson wrote:Wegmans.

Because it's the best grocery store in America.

:thumbsup
by joe8d
Fri May 29, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is there anything I should be aware of when transferring $60k to the US?
Replies: 8
Views: 887

Re: Is there anything I should be aware of when transferring $60k to the US?

Isn't the problem depositing or withdrawing money in CASH. Institution to Institution transfer shouldn't be a problem.
by joe8d
Thu May 28, 2015 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Ideas for short term investment?
Replies: 10
Views: 840

Re: Ideas for short term investment?

traveler90 wrote:Ally Savings Account

Yes.
by joe8d
Thu May 28, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7260

Re: Once in a life time trip.

Wow. Spending 5 years planning and saving for a "once in a lifetime" trip sounds so anxiety-inducing along with tons of other emotions. Mostly a bit depressing, as you won't do anything fun for 5 years, b/c you're "saving for the trip of a lifetime", the entire time. Like saving...
by joe8d
Wed May 27, 2015 8:56 pm
Forum: Personal Consumer Issues
Topic: Best Kid Toys
Replies: 32
Views: 2649

Re: Best Kid Toys

This: http://www.toyhalloffame.org/toys/cardboard-box. It's cheap and frequently free. And it's transformative. I enjoyed countless hours during my day and I frequently see kids in my neighborhood inside them or building forts. Yes, made so many things with cardboard boxes ( also wooden orange crat...
by joe8d
Wed May 27, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: Best Kid Toys
Replies: 32
Views: 2649

Re: Best Kid Toys

mlipps wrote:
surveyor wrote:A 4 year old boy can and should start legos. The small creator series might be good at that age.

Bruder makes particularly good toys.


Any kid should have Lego's, not just boys.


:thumbsup
by joe8d
Tue May 26, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7260

Re: Once in a life time trip.

8 is too young for a "Trip of a Lifetime". A day at the local amusement park would be the best choice.

For current and former WNYers : Remember Crystal Beach :D
by joe8d
Fri May 22, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: Good 3-way LED Bulb?
Replies: 10
Views: 1201

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: 4661

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: 169
Views: 12437

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: 169
Views: 12437

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: 1020

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: 27
Views: 1978

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: 169
Views: 12437

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: 7290

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: 1527

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: 8983

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: 9939

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: 6667

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: 2377

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: 9939

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: 6646

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: 6005

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: 2372

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: 2957

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: 5946

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: 2002

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.

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