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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 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS COLA for 2016 not looking good
Replies: 13
Views: 1472

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
Mon Apr 20, 2015 7:03 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 745
Views: 99521

Re: yea or nay to 5 years CDs

Nay. Leave your Emergency Funds in a safe, easily accessible FDIC Online Savings account.
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: 2396

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
Tue Apr 14, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 tax effects of missed 2014 RMD
Replies: 7
Views: 545

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 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donating old books and getting tax writeoff?
Replies: 17
Views: 2089

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
Mon Apr 13, 2015 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 40
Views: 3218

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 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3668

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
Sat Apr 11, 2015 9:54 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 745
Views: 99521

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 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax states "New York has no income tax"?
Replies: 16
Views: 1370

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 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2316

Re: On a budget and Friday night

Digiorno Pizza and free DVD from public Library.
by joe8d
Fri Apr 10, 2015 9:28 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5044

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.
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: 2733

Re: Paying someone else to work for you to invest in 401k

Sounds like one of Wally's ( Dilbert) Scheme's :D
by joe8d
Thu Apr 09, 2015 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying someone else to work for you to invest in 401k
Replies: 8
Views: 652

Re: Mom doesnt need $:Target Retirement Income too conservat

Many of us retired and in the same situation ( SS/Pension more than enough ) tend toward 50/50 AA.
by joe8d
Thu Apr 09, 2015 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mom doesnt need $:Target Retirement Income too conservative?
Replies: 6
Views: 684

Re: Best US city to spend Xmas

A former neighbor of mine retired to Florida, but would always come back to WNY for Christmas week :happy
by joe8d
Thu Apr 09, 2015 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2316

Re: Am I part of the problem??

However, my struggle is that my company charges pretty high management fees (>1% for mostly institutional investors and HNW people)


I wouldn't worry about that class of investors.It's the ordinary investor that I'd be concerned about.
by joe8d
Thu Apr 09, 2015 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8635

Re: UK Pension question - using Vaguard LifeStrategy funds

Age 36, Investing for retirement. See no problem with 100% stock at this point.
by joe8d
Wed Apr 08, 2015 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: UK Pension question - using Vaguard LifeStrategy funds
Replies: 5
Views: 409

Re: Taxable investments 101

My general rule of thumb for investing priority was:

1. Max out 401k.
2. Max out Roth ( done at lower tax rate ).
3. Taxable Investing .
by joe8d
Tue Apr 07, 2015 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investments 101
Replies: 3
Views: 533

Re: What Movie Have You Recently Watched?

Sort of offbeat," The Identical ", worth watching, especially if your an Elvis fan.
by joe8d
Mon Apr 06, 2015 7:53 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 745
Views: 99521

Re: vbaix & VASGX [Balanced Index vs. LifeStrategy Growth]

JDDS wrote:It's okay to hold the same asset class in multiple accounts. For example I hold US stocks (VTSAX) in 3 different accounts.


Me too.
by joe8d
Sun Apr 05, 2015 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: vbaix & VASGX [Balanced Index vs. LifeStrategy Growth]
Replies: 6
Views: 472

Re: Admiral Shares Versus ETFs

I've used funds for many years. ETFs do not interest me at all. With funds, I can exchange as desired. I can also buy or sell exact dollar amounts in fractional shares as needed. I do not need to be concerned about the intricacies of market purchases, such as spreads, limit orders, etc. For my need...
by joe8d
Sun Apr 05, 2015 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares Versus ETFs
Replies: 16
Views: 1844

Re: Admiral Shares Versus ETFs

All my Index funds are in the Admiral mutual fund shares.
by joe8d
Sun Apr 05, 2015 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares Versus ETFs
Replies: 16
Views: 1844

Re: What Movie Have You Recently Watched?

St. Vincent. I enjoyed it
by joe8d
Sun Apr 05, 2015 7:17 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 745
Views: 99521

Re: Why Vanguard Why?

livesoft wrote:In 30 years, you will still be reading this forum and a young 21 year-old will write in complaining that Vanguard asked them to type in info instead of using the neuro-phone meld. What will you say then?


Was going to bring up the age 21 of OP not understanding mail in forms :D
by joe8d
Sat Apr 04, 2015 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 6809

Re: Why Vanguard Why?

VG will send you an account application with a post paid return envelope.What's the problem?
They need paper records with signatures for legal reasons.
by joe8d
Sat Apr 04, 2015 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 6809

Re: LOL how long do you keep old tax returns

JimmyfromSunPrairie wrote:This is proof of my income that will determine my SS benefit when that day will come. I have them back into the 1970's.


You only need to keep your W-2's for that.

As far as actual tax returns,3 years min.
by joe8d
Sat Apr 04, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3118

Re: $1000 Investment

z3r0c00l wrote:At that age liquidity and safety is a good idea. Who knows what he will want to do after college with that money? I would put it in a bank account.

+1
by joe8d
Thu Apr 02, 2015 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1000 Investment
Replies: 11
Views: 1475

Re: The Detriments of Rebalancing

+1 on Taylors reply.I don't rebalance myself.
by joe8d
Wed Apr 01, 2015 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: The Detriments of Rebalancing
Replies: 67
Views: 5757

Re: Vanguard Target Retirement Fund

leod wrote:I am considering moving to a target retirement fund since I want to automate purchases and auto rebalance as well and this is the only option in VG.


You have another option with the VG Life Strategy Fund Series.
by joe8d
Wed Apr 01, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund
Replies: 12
Views: 2082

Re: Vanguard Lifestrategy "Aggressive"

I imagine it would be OK to take this aggressive lifestyle with 100% stocks. What's the point of even having 10 or 20% in bonds in your retirement portfolio if you're young? You're not planning on taking any of the money out of the retirement accounts for fear of penalties, so you don't need to buf...
by joe8d
Wed Apr 01, 2015 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Lifestrategy "Aggressive"
Replies: 13
Views: 1363

Re: 401k after retired

We have sufficient income from other stable sources to meet our monthly needs and would not need funds from this 401k for 15 years. I guess for starters should I reallocate for a more balanced portfolio or stay away from bonds due to low returns and even worse when interest rates rise. Yes, I would...
by joe8d
Tue Mar 31, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k after retired
Replies: 16
Views: 2012

Re: Detroit: up-and-coming technology city

Over the longer-term time horizon I expect Detroit and the rest of the Great Lakes region to be relatively well positioned to accommodate climate change due to the proximity to water resources. But we may be talking decades. And I'm not sure that Detroit itself as opposed to the Great Lakes region ...
by joe8d
Mon Mar 30, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Detroit: up-and-coming technology city
Replies: 18
Views: 1279

Re: How Do You Watch Television?

Verizon FIOS which includes phone and internet.
by joe8d
Sat Mar 28, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 5668

Re: Son graduating college-what to do?

He will most likely need to take a "get your foot in the door" job with relatively low pay to start his employment journey. I support his endeavor and understand the current challenges.

Yes. What field is this and can he do the "foot in the door job " locally?
by joe8d
Fri Mar 27, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3288

Re: WSJ Delivery Record - Dismal

malabargold wrote:I believe its printed off regionally by your local paper's presses and delivered with the local
papers carriers - we had a similar issue but complained to WSJ a few times and they were
straightened out.

Give them feedback


Yes, Thats what's done here.
by joe8d
Thu Mar 26, 2015 7:53 pm
 
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 1908

Re: Advice for parents

+1 To all the posters who responded thus far. FDIC insured vehicles like savings accounts and certificates of deposits should be the only place to put the money. There is no need to take risk, there is a very good likelihood your parents don't like risk of any kind (lack of willingness). You know t...
by joe8d
Wed Mar 25, 2015 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for parents [with large cash holdings]
Replies: 15
Views: 1600

Re: Best Bank for Checking Account

M &T Bank. Free for seniors, interest , paper statements, no cost.
by joe8d
Mon Mar 23, 2015 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2643

Re: Fish from Costco?

In Buffalo, we only eat haddock.
by joe8d
Mon Mar 23, 2015 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5675

Re: Route to an $8 Million Portfolio Started With Frugal Liv

He gave his 8MM to a local hospital and library-spending it in this way was the most enjoyable thing he could think of. The money went to the hospital after his death. The hospital enjoyed the use of the money, not him. He was dead, there was nothing left for him to enjoy, unless you believe in the...
by joe8d
Sat Mar 21, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 5044

Re: Route to an $8 Million Portfolio Started With Frugal Liv

I think that is a very sad situation. The guy was extremely frugal and continued to be extremely frugal even after he had considerable net worth. I don't want to be like that, and I don't think he is a good lesson for others. I disagree. Once frugality is ingrained, it remains there. In reality, we...
by joe8d
Sat Mar 21, 2015 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 5044

Re: The one area I disagree with Jack

dbr wrote:For obvious reasons I am not going to agree or disagree with Mr. Bogle on this. However, one should be reminded that in investing "fixed income" is neither income nor fixed.


Right, "Debt Instrument" would be a better term.
by joe8d
Sat Mar 21, 2015 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7431

Re: RMD

If all your TD accounts are with Vanguard,they will do all the calculating,etc for you.
by joe8d
Fri Mar 20, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD
Replies: 6
Views: 482

Re: Filed my 2014 taxes in February - then I bought a house.

prudent wrote:I can't think of any situation where your 2014 taxes would be affected by buying a home in 2015.

You may want to look into whether the mortgage interest deduction you will be claiming next year might indicate a change in your withholding rate through the rest of this year.


+1
by joe8d
Thu Mar 19, 2015 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filed my 2014 taxes in February - then I bought a house...
Replies: 5
Views: 542

Re: job offer, 2x salary

problem with moving is that wife works in opposite direction by 20 minutes. So, thats not an option. i am very conservative and have done well in the job that i am currently at. I do it better than anyone else in the company, so i am valuable to my current employer, and would have better job securi...
by joe8d
Wed Mar 18, 2015 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4888

Re: job offer, 2x salary

Currently, a six figure salary, a job you like, 15 yrs with the company and a hour and half less travel. I would think more then twice about leaving.
by joe8d
Wed Mar 18, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4888

Re: US Army Thrift Savings Plan (TSP) - Question about After

An E-1 this year will only earn about $18.5k


I made only $76/mo as an E-1, $81 as an E-2 back in the early 60's :happy
by joe8d
Mon Mar 16, 2015 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: US ARMY Thrift Savings Plan (TSP) - Roth 401k
Replies: 14
Views: 1438
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