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Re: What age did you move out?

I still live with my parents. Im kind of weird like that, Im a minimalist who doesnt plan on marriage or kids and Id like to hit FI asap. So it feels natural to me, even as a 33 yo man. They own a duplex, got tired of landlording and missed me when I took a job several states away. Theyre nearning ...
by joe8d
Thu Jan 29, 2015 7:42 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 116
Views: 4547

Re: Age limit on IRA deduction

So the key here is the 5 year rule. You can pull money out of a Roth IRA completely tax-free if you're over age 59.5 and it's been at least 5 years since your first Roth contribution. If they're just starting their first Roth accounts now, then they can't pull the money out for the next 5 years wit...
by joe8d
Wed Jan 28, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age limit on IRA deduction
Replies: 24
Views: 1248

Boglehead Survey ?

Just got a popup on this page requesting my participation in this survey. What this About?
by joe8d
Tue Jan 27, 2015 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead Survey ?
Replies: 1
Views: 286

Re: Poll: Locating deceased person's assets

livesoft wrote:We have told potential heirs that we have no life insurance, so don't go looking for it.


+! Yes,you need to tell them what you don't have in addition to what you have.
by joe8d
Sun Jan 25, 2015 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 2247

Re: Vanguard RMD Service

Mel Lindauer wrote:I've never had a problem with Vanguard re: RMDs. They calculate the figures for both me and my wife and provide the numbers on our online accounts and send a letter with the numbers. Then, I direct them when to actually take the distributions.


Same here.
by joe8d
Sun Jan 25, 2015 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard RMD Service
Replies: 14
Views: 1804

Re: Asset Allocation Question for parents in retirement

Hello, My parents have asked me a question regarding asset allocation during retirement. Currently, they are living solely on social security and pensions (which fully cover their monthly expenses) so are not accessing their tax-deferred and taxable retirement savings. They are 75 and 85 years old ...
by joe8d
Wed Jan 21, 2015 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question for parents in retirement
Replies: 4
Views: 500

Re: Term Life Insurance when single

bluemarlin08 wrote:No term insurance seems to be needed but make sure you have disability insurance.


:thumbsup
by joe8d
Tue Jan 20, 2015 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance when single
Replies: 15
Views: 914

Re: How Long Do You Keep Tax Records?

Keep them for 3 years.
by joe8d
Sat Jan 17, 2015 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Long Do You Keep Tax Records?
Replies: 28
Views: 2413

Re: Is Vanguard STAR appropriate for someone retired?

Why not consider the Life Strategy or Target Retirement Funds?
by joe8d
Thu Jan 15, 2015 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard STAR appropriate for someone retired?
Replies: 5
Views: 783

Re: Alternatives to TurboTax

TaxAct.
by joe8d
Wed Jan 14, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 2724

Re: Loss of water pressure when using hot water

"No, we'll send you a replacement free of charge."


Same experience with Moen.
by joe8d
Wed Jan 14, 2015 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2179

Re: Retirees: Do you work part-time for pay?

joe8d wrote:I've doing it for 8.5 years.Work the front desk in the local public library anywhere from 12 to 19 hrs a week.


TIP: Do something totally different in retirement than you did for your regular career.I was an engineer.
by joe8d
Wed Jan 14, 2015 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4934

Re: Retirees: Do you work part-time for pay?

I've doing it for 8.5 years.Work the front desk in the local public library anywhere from 12 to 19 hrs a week.
by joe8d
Wed Jan 14, 2015 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4934

Re: Index based Investing classes

Check out YouTube.
by joe8d
Wed Jan 14, 2015 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Index based Investing classes
Replies: 1
Views: 254

Re: Finally joined the two comma club

:sharebeer welcome to club.
by joe8d
Wed Jan 14, 2015 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 6175

Re: Prognosis On REIT Index Fund

All I know is VG REITis going gangbusters.Have an admiral position in my IRA with it.
by joe8d
Mon Jan 12, 2015 8:33 pm
 
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2136

Re: Getting out of Edward Jones ...

But they have such nice folksy commercials :happy
by joe8d
Mon Jan 12, 2015 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 25
Views: 2611

Re: Why not just let cash be cash?

Under Normal conditions " Cash :The 90 day T-Bill" should be paying at least the rate of Inflation. Hopefully we return to that soon.
by joe8d
Mon Jan 12, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2515

Re: Why not just let cash be cash?

Its a question I wonder if others have asked. Is there any reasonable reason why I should not keep a large amount of cash in my brokerage account? In other words. Supposing one's expenses and debts are covered, why not leave my cash alone in my M. Lynch brokerage account. Could some tell me why the...
by joe8d
Mon Jan 12, 2015 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2515

Re: Please Help Pick a VOYA 401k fund

The Match (1%) more than covers the excessive ER,so fund it and get the max tax benefit.I like the Life Strategy Growth Fund. They only match $0.25 for every $1 for the first 4% of her salary. Is it worth delaying taxes on the money in this account if We fund more than 4% using these ERs? Or do we ...
by joe8d
Sat Jan 10, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 2478

Re: Alternatives to Target or LifeStrategy in Taxable Accoun

Total Stock Market Index is certainly one to hold in any account.
by joe8d
Sat Jan 10, 2015 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to Target or LifeStrategy in Taxable Accounts?
Replies: 13
Views: 1154

Re: Opinions on my 4-fund 401(k)

Looks good.i would probably do: 60% S&P,15% R2000,15% Int. and 10% bond.
by joe8d
Fri Jan 09, 2015 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on my 4-fund 401(k)
Replies: 10
Views: 1265

Re: The Callan Periodic Table of Investment Returns 2014

Thank you runner26 for posting the table.I always find it informative.
by joe8d
Fri Jan 09, 2015 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Callan Periodic Table of Investment Returns 2014
Replies: 26
Views: 3585

Re: Please Help Pick a VOYA 401k fund

The Match (1%) more than covers the excessive ER,so fund it and get the max tax benefit.I like the Life Strategy Growth Fund.
by joe8d
Fri Jan 09, 2015 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 2478

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

About time for the IRS to offer a Free Complete Tax Program online.
by joe8d
Thu Jan 08, 2015 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 203
Views: 27937

Re: Thinking about retirement - it's depressing

+1 on the subject statement.
by joe8d
Thu Jan 08, 2015 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about retirement - it's depressing
Replies: 80
Views: 8520

Re: Should heat be left on?

tainted-meat wrote:That and make sure you leave the water faucets dripping when it gets really cold.


YES!!!
by joe8d
Thu Jan 08, 2015 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Should heat be left on?
Replies: 25
Views: 3348

Re: 50/50 simplicity

As a 72 yr old retiree,I hold 50/50.
by joe8d
Wed Jan 07, 2015 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3135

Re: Is "stay the course" a commandment or a suggestion?

Just means not making any knee jerk reactions to market conditions.
by joe8d
Tue Jan 06, 2015 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4085

Re: Reasonably priced personal finance _textbook_

I would look into copies of Personal Finance for Dummies. Kids need to start with the basics before worrying about investing. How many times have we seen posters arrive here with huge amounts of high cots student debt, car loans, credit card debt, and a house loan but ready to invest in an aggressi...
by joe8d
Tue Jan 06, 2015 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasonably priced personal finance _textbook_
Replies: 11
Views: 1053

Re: Today is a Good Day to fund the 2015 IRA

Committed my outside distributions to VG funds today and had my brother fund his IRA.
by joe8d
Mon Jan 05, 2015 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8118

Re: Filing My Taxes With Free File Fillable Forms?

Just use FREE TaxAct for Federal.
by joe8d
Mon Jan 05, 2015 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing My Taxes With Free File Fillable Forms?
Replies: 8
Views: 889

Re: TSM or S&P 500, MidCap and SmallCap indexes?

I use both. TSM and the S&P,Mid and Sm with reverse weight on Sm Cap (2X Mid Cap).
by joe8d
Mon Jan 05, 2015 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: TSM or S&P 500, MidCap and SmallCap indexes?
Replies: 21
Views: 1562

Re: Paper Statements

nisiprius wrote:As things stand circa 2015, I continue to think that mailed physical paper statements are good protection against a deceased person's family overlooking important assets.


+1
by joe8d
Sun Jan 04, 2015 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3397

Re: Paper Statements

Call_Me_Op wrote:Am I the only one who cannot give-up receiving financial statements in paper form? I do not feel comfortable otherwise. Am I wrong to feel this way?


No.I want to have a "Paper Trail" myself.
by joe8d
Sun Jan 04, 2015 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3397

Re: Trying to understand AA divisions

Leeraar wrote:
joe8d wrote:Like this. Core with LS Growth and dilute with STIG.


What is STIG?

L.


Short Term Investment Grade Bond Fund.
by joe8d
Sun Jan 04, 2015 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand AA divisions
Replies: 29
Views: 1664

Re: Switching to Schwab

You will only like Schwab if you don't mind using ETFs and if she can figure out ETFs. Schwab has a pretty good list of no-fee ETFs. The Schwab list of index mutual funds is completely lame. Good for large cap, somewhat adequate for international, non-existent for bonds. Of course, you can buy thin...
by joe8d
Sat Jan 03, 2015 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to Schwab
Replies: 33
Views: 3301

Re: Trying to understand AA divisions

Here's a great opportunity: Put 87.5% in Vanguard LifeStrategy Growth which is 80/20, and then the remainder in bond funds to bring you to 70/30. I use VFSUX and VBILX. Forget about all the supposed second-order effects to tilt this way or that. Simplify first, then decide if you need to complicate...
by joe8d
Sat Jan 03, 2015 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand AA divisions
Replies: 29
Views: 1664

Don't forget the 4Q Es Tax Payment

Due Jan15. Made mine tonight via EFTPS.
by joe8d
Sat Jan 03, 2015 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't forget the 4Q Es Tax Payment
Replies: 1
Views: 448

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2309.42
by joe8d
Sat Jan 03, 2015 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19740

Re: Required Minimum Distribution (RMD)

kaneohe wrote:How about investing in a taxable account.......in anything, including the same fund that the RMD came from.


+1 What I do.
by joe8d
Sat Jan 03, 2015 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distribution (RMD)
Replies: 6
Views: 872

Re: Withhold Taxes from Pension?

I withhold 10% on both pension and SS and still pay Es Tax.
by joe8d
Fri Jan 02, 2015 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withhold Taxes from Pension?
Replies: 19
Views: 1192

Re: PenFed CD rates up. 2% max.

Swampy wrote:I'll keep mine in CIT bank, where I get 1% in an easy access savings account.

There's absolutely no sense in tying up cash for seven years for a paltry 1% more.

It's just not worth it.


Amen to that.Use Ally and Barclays myself.
by joe8d
Fri Jan 02, 2015 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 4512

Re: [Poll] If no capital gains tax, will you change investin

I would favor some kind of "Capital Gains Holiday" that would allow movement from one fund to another,within a certain time frame,without taxation.
by joe8d
Thu Jan 01, 2015 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: If no capital gains tax, will you change investing?
Replies: 12
Views: 1085

Re: Vanguard 500 Fund question - 50 +% gain

John3754 wrote:That makes no sense.


+1
by joe8d
Tue Dec 30, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard 500 Fund question - 50 +% gain
Replies: 7
Views: 829

Re: What Movie Have You Recently Watched?

Hayao Miyazaki's The Wind Rises . About a young engineer who is too near-sighted to be a pilot who then goes on to design the Japanese Zero fighter plane. Lots of insight into engineering culture and pre-war Japan. Most notable were the Great Kantō earthquake scenes which are utterly brilliantly do...
by joe8d
Tue Dec 30, 2014 11:15 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56116

Re: Retiree Poll:What is your current AA?

You're probably correct that a 50 / 50 AA is too aggressive for retirees. I'm retired and I'm also concerned that my 50 / 50 AA is too aggressive It depends on the actual value of the portfolio.If the 50% FI is more than enough to cover your entire retirement,then it's fine.That's my case and I'm 5...
by joe8d
Mon Dec 29, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 6977

Re: Do any other men here regulalry use skin care products?

And Vaseline Intensive Care hand lotion all winter long, and occasionally during the summer.


Same here.
by joe8d
Mon Dec 29, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 3517

Re: Do I-Bonds Count (as part of your bond allocation)?

stevewolfe wrote:
leonidas wrote:They do for me as well as CDs.


Same for me.


+2
by joe8d
Thu Dec 25, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I-Bonds Count (as part of your bond allocation)?
Replies: 24
Views: 2316
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