Search found 3861 matches

by joe8d
Fri Sep 04, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Reframing-the-social-security-decision"
Replies: 37
Views: 2295

Re: Reframing-the-social-security-decision"

Always wondered about the "70 year old defferer's". Do they sit on the porch and watch the calendar hoping the years will pass fast so they finally can collect when they used up their savings ( which would missed this bull market ) and have to pay Max tax on SS due to RMDs?
by joe8d
Tue Sep 01, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Any bad experiences with Online banking?
Replies: 37
Views: 2994

Re: Any bad experiences with Online banking?

Have Online accounts with both Ally and Barclay's. No problems.
by joe8d
Sat Aug 29, 2015 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 980

Re: Is this 401(k) even worth it?

Max out your IRA with Vanguard instead.
by joe8d
Sat Aug 29, 2015 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: one vanguard fund for a roth
Replies: 4
Views: 582

Re: one vanguard fund for a roth

I use LS Growth.
by joe8d
Sat Aug 29, 2015 10:53 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 127
Views: 7111

Re: Aug 2015 correction: what Bogleheads did...

Bought some LS Growth in my Roth.
by joe8d
Fri Aug 28, 2015 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6020

Re: If stocks dropped 30% next Monday, would you rebalance?

It couldn't,wouldn't the circuit breakers would kick in and shut it down?
by joe8d
Fri Aug 28, 2015 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Friend's proposed RMD strategy--A little different
Replies: 55
Views: 4263

Re: Friends proposed RMD strategy--A little different

Yes,under those circumstances which are mine too.
by joe8d
Wed Aug 26, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5099

Re: Floss aversion

Toons wrote:Johnsson & Johnson ,Reach brand :happy

http://www.reachfloss.com/


That's what I use.
by joe8d
Tue Aug 25, 2015 9:32 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2578

Re: A Voice of Reason in the Mainstream Press

Love watching CNBC on these Wild and Crazy days.
by joe8d
Tue Aug 25, 2015 9:15 pm
Forum: Investing - Theory, News & General
Topic: ROTH Contributions after RBDs
Replies: 10
Views: 721

Re: ROTH Contributions after RBDs

:thumbsup Good move.
by joe8d
Tue Aug 25, 2015 7:41 pm
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting always worth all the fuss?
Replies: 68
Views: 8493

Re: Is tax loss harvesting always worth all the fuss?

I've mostly done it to get rid of outside funds from my early days and put the proceeds with VG.
by joe8d
Mon Aug 24, 2015 8:09 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 197
Views: 21536

Re: The Bogleheads' Silent Majority

I DID do one thing tho.I decided NOT to invest for my daughters Target 2055 fund until things calm down


The time buy is when there is "Blood in the Street"
by joe8d
Mon Aug 24, 2015 8:06 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 197
Views: 21536

Re: The Bogleheads' Silent Majority

Bought some Friday and again today.
by joe8d
Wed Aug 19, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Simple investment suggestion for inheritance
Replies: 15
Views: 1312

Re: Simple investment suggestion for inheritance

Given his circumstances,I would suggest the VG Short Term Investment Grade Bond Fund.
by joe8d
Fri Aug 14, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 52
Views: 7347

Re: When do you notice the compounding at work?

Compounding is a factor in the FI area.The near zero interest rates of the past 5 year have rendered that concept dead.
by joe8d
Thu Aug 13, 2015 8:56 pm
Forum: Investing - Theory, News & General
Topic: Why are Vanguard's bond funds Actively managed?
Replies: 9
Views: 1718

Re: Why are Vanguard's bond funds Actively managed?

Dale_G wrote:Vanguard vetts (sp?) all of the bonds they hold in the managed bond funds. I would rather have Vanguard do the vetting rather than relying on an index provider. The bond market is very efficient, but with bonds I don't mind having more eyes on the ball.

Dale


+1
by joe8d
Thu Aug 13, 2015 7:43 pm
Forum: Investing - Theory, News & General
Topic: Money Mag:Why Vanguard Founder Jack Bogle Doesn’t Like Investing in Foreign Markets
Replies: 64
Views: 6754

Re: Money Mag:Why Vanguard Founder Jack Bogle Doesn’t Like Investing in Foreign Markets

The longer I've invested, the more I've come around to the view that most portfolio decisions just don't matter. Find some way to own a reasonably large number of stocks from a reasonably large number of industries. Have some bonds or cash or something that will help you get through the lean years....
by joe8d
Wed Aug 12, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Active or Passive bond funds?
Replies: 7
Views: 661

Re: Active or Passive bond funds?

I use the active managed VG bond funds: STIG, NY Muni and Hi Yd.
by joe8d
Tue Aug 11, 2015 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6579

Re: Your First Job

Paper route.
by joe8d
Mon Aug 10, 2015 8:17 pm
Forum: Personal Consumer Issues
Topic: Best affordable compact car to buy new?
Replies: 35
Views: 2836

Re: Best affordable compact car to buy new?

Chevy Spark. Made in South Korea.
by joe8d
Sun Aug 09, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11258

Re: Retirees: Questions you hate being asked

on the "Are you working part-time?" or "Are you looking for PT work?"If I did that, then I failed as a retiree.


Going into my 10th year of P/T retirement work. :happy
by joe8d
Sun Aug 09, 2015 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to get laid off[? company laying people off with good severance package]
Replies: 28
Views: 3736

Re: How to get laid off to get a package?

Whyu would they offer a package to someone who wants to leave anyway? Because if they're offering packages to a bunch of people, they're better off giving them to the people who want to leave. Timing wise, it also makes it an easier transition. :thumbsup that was my observation during my work years.
by joe8d
Sat Aug 08, 2015 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 53
Views: 8823

Re: Got laid off last Friday

Every article on available jobs I've seen in the last few years list welders at the top.
by joe8d
Fri Aug 07, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Currently 67 and Wanting to Retire at the Age of 73
Replies: 10
Views: 1449

Re: Currently 67 and Wanting to Retire at the Age of 73

He does have 401k and the current value is around 120k. It was a 200k but unfortunately due to 2008, his 401k halved.


Why is that?If he didn't sell,it should be at new highs now.
by joe8d
Thu Aug 06, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: New York state tax on RMD
Replies: 7
Views: 570

Re: New York state tax on RMD

Better Check on that. You have been a NYS resident for more than half this year. BTY, NYS excludes up to 20K IRA/ Pension from taxation per year.
by joe8d
Tue Aug 04, 2015 8:55 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 6381

Re: Aloha Shirt: Yes or No

Last time I had one was in the 50's :D
by joe8d
Fri Jul 31, 2015 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: 85 Year Old with $150K to invest
Replies: 12
Views: 1404

Re: 85 Year Old with $150K to invest

85,just put it in an FDIC Online Bank Account.
by joe8d
Fri Jul 31, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 178056

Re: What Movie Have You Recently Watched?

denismurf wrote:Thanks to Lady Geek for reminding us that American Sniper is a movie, meant to entertain, not a partisan screed disguised as entertainment.


Not to entertain, but to inform and was not one sided.
by joe8d
Wed Jul 29, 2015 8:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 43
Views: 3410

Re: Recommendations on a cheap commuter car

Chevy Spark.
by joe8d
Wed Jul 29, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3789

Re: Retirees: Social Security and Expenses

Toons wrote:100% with money left over :happy


Same.
by joe8d
Mon Jul 27, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 4100

Re: Low mileage oil change

For cars that use synthetic oil, its every 12 months.


Yes, I have mine done with my annual inspection.
by joe8d
Mon Jul 27, 2015 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3447

Re: How long until a $10,000 loss matters?

Retired. That happens all the time for me 10k and a lot more in a day, I don't give it a second thought. Volatility is an inherent part of investing. One needs to learn to accept it. Find another hobby other than market watching ,,,,,, And keep investing,,the further it drops. :happy :thumbsup Same...
by joe8d
Mon Jul 27, 2015 7:06 pm
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 6166

Re: 50/50 asset allocation

When I first read about Scott Burns Couch Potato portfolio I became an instant fan. I am also a big fan of Peter Bernstein's article the 60/40 solution. When I first read about the Couch Potato portfolio, Scott suggests holding it for life. When I retire I would love to put my entire balance in the...
by joe8d
Thu Jul 23, 2015 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Today's Vanguard Webinar On Bonds
Replies: 10
Views: 1580

Re: Today's Vanguard Webinar On Bonds

I just finished watching (and trying to participate in ) Vanguard's Webinar on the current status of bonds and bond funds. I was disappointed that not a single question was included about retirees and the problems they face or how their bond holdings might differ from investors in the accumulation ...
by joe8d
Sun Jul 19, 2015 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Start investing now on index?
Replies: 2
Views: 375

Re: Start investing now on index?

Yes, 3K min to start.
by joe8d
Sat Jul 18, 2015 9:41 pm
Forum: Forum Issues and Administration
Topic: Does anyone else have to continually login?
Replies: 33
Views: 2483

Re: Does anyone else have to continually login?

Just happen to me again :x
by joe8d
Fri Jul 17, 2015 9:34 pm
Forum: Forum Issues and Administration
Topic: Does anyone else have to continually login?
Replies: 33
Views: 2483

Re: Does anyone else have to continually login?

LadyGeek wrote:As stated previously, be sure to check the "Remember me" box at login.


Do that and still have to log in the next time.
by joe8d
Fri Jul 17, 2015 9:25 pm
Forum: Forum Issues and Administration
Topic: Does anyone else have to continually login?
Replies: 33
Views: 2483

Re: Does anyone else have to continually login?

Yes, Very recently that's been the case.
by joe8d
Thu Jul 16, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4330

Re: Cost of Routine Dental Cleanings

My MA plan fully covers twice a year cleaning and exam.
by joe8d
Mon Jul 13, 2015 9:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ranked #1
Replies: 12
Views: 2380

Re: Vanguard ranked #1

:thumbsup
by joe8d
Mon Jul 13, 2015 9:13 pm
Forum: Investing - Theory, News & General
Topic: Rebalance how often? It's expensive
Replies: 34
Views: 2918

Re: Rebalance how often? It's expensive

Never rebalance. Market always seem to do it for me.
by joe8d
Tue Jul 07, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: kitchenaid vs. bosch dishwasher
Replies: 61
Views: 3515

Re: kitchenaid vs. bosch dishwasher

Just bought a Whirlpool,at Lowe's,a few weeks ago. One Hour Wash Option,Heated Dry. So far,so good.

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