Search found 3829 matches

by joe8d
Fri Jul 31, 2015 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: 85 Year Old with $150K to invest
Replies: 11
Views: 1039

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: 999
Views: 160323

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: 32
Views: 2019

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: 3397

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: 35
Views: 3485

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: 3321

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: 5741

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: 1535

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: 361

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: 1965

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: 1965

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: 1965

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: 4094

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: 2325

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: 2767

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: 3246

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.
by joe8d
Mon Jul 06, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8526

Re: Worst financial book you have read (or will admit you have read)

What is the worst financial book that you read? To give the thread some action lets generally call this a list of book to avoid that don't align with the Boglehead way. I will start if off with: http://i.imgur.com/XBRwxnb.jpg I remember when this book came out, I even spent my good hard earned cash...
by joe8d
Mon Jul 06, 2015 8:18 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 63
Views: 6708

Re: "Vanguard's recommended international allocation."

We're quite comfortable with 15 - 20% international. Given recent events, even more.

:thumbsup
by joe8d
Sun Jul 05, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 999
Views: 160323

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
Thu Jul 02, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: How do you determine your personal glide path?
Replies: 23
Views: 2763

Re: How do you determine your personal glide path?

4. Set a glide path based upon achieving milestones on the path to financial independence. In essence, change asset allocation based upon portfolio size in reference to goals.


Yes.The LMP ( Liability Matching Portfolio ) would be the path I would follow ( and have) .
by joe8d
Thu Jul 02, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4432

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

The front load fees don't subtract directly from the return as such. They are in fact a one time loss of 5.75%.


No,on future returns you will always be 5.75% less than you would have been had the fund been No Load.
by joe8d
Thu Jul 02, 2015 9:00 pm
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 17
Views: 1681

Re: Which Funds to Take RMD From

If you aren't going to spend the RMD, take it from one of the stock funds, and reinvest in the same stock fund in your taxable account. Stock funds will grow nearly tax-free in your taxable account if you never need to spend them, as your heirs will inherit them with a stepped-up basis. If you are ...
by joe8d
Thu Jul 02, 2015 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 92
Views: 10088

Re: financial adviser told me not to invest too much in 401k

So where does she want you to put it? Have her invested so she can collect AUM fees?


Exactly.Run away from her.
by joe8d
Wed Jul 01, 2015 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Pick One of Three! Vanguard Balanced Funds
Replies: 23
Views: 3658

Re: Pick One of Three! Vanguard Balanced Funds

As per your circumstances, I would just use TSM for stocks and an Online Saving account ( Ally/ Barclays ) for "Bonds"
by joe8d
Tue Jun 30, 2015 8:14 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11617

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: 20
Views: 1954

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: 3229

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: 3229

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: 2530

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: 2873

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: 146
Views: 24513

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: 1567

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: 2845

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: 5104

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 Reception
Replies: 68
Views: 8522

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: 8197

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: 1407

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: 12851

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: 1132

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: 12851

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: 86
Views: 9126

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: 2938

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: 1800

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: 1556

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: 3968

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: 3968

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

Yes. Prefer 20-25% especially with USD appreciating.

Go to advanced search