Search found 3506 matches

Return to advanced search

Re: Wisdom: When to drop disability insurance?

I dropped mine when I became eligible for Social Security at age 62,


Same here.
by joe8d
Tue Nov 25, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wisdom: When to drop disability insurance?
Replies: 10
Views: 812

Re: Redbox price increase (Dec. 2)

Get them free at the library.
by joe8d
Mon Nov 24, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Redbox price increase (Dec. 2)
Replies: 1
Views: 452

Re: What-If Planning Advice

BahamaMan wrote:
Peterjens wrote: I used Vanguard's free online Turbo Tax last year (Flagship perk)


How do I get to the Vanguard's free online Turbo Tax? - I tried to find it to no avail.


Not available yet for 2014.
by joe8d
Mon Nov 24, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What-If Planning Advice
Replies: 9
Views: 969

Re: Do you use a phone book?

Yes.Use phone book and have a landline phone :happy
by joe8d
Sun Nov 23, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2040

Re: Jim Cramer dad & LTCI

flyingaway wrote:That is exactly my concern about LTCI and SPIA products.

:thumbsup
by joe8d
Fri Nov 21, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3363

Re: Employer switching to new retirement plan

I wish I had these options! If I did, I would put all my money into Vanguard Life Strategy Moderate Growth (60 percent stocks/40 percent bonds) and forget about it for a while because that is the asset allocation I want right now. If I wanted to be more conservative I would go with Vanguard Life St...
by joe8d
Fri Nov 21, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer switching to new retirement plan
Replies: 12
Views: 1228

Re: Will stocks beat bonds over next 30 years?

Tycoon wrote:Yes, stocks will beat bonds over the next 30 years.


Agree.
by joe8d
Fri Nov 21, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 64
Views: 5065

Re: Thinking about retiring next year

Kid in College ! Keep working your regular job.
by joe8d
Fri Nov 21, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about retiring next year
Replies: 16
Views: 2005

Re: portfolio suggestions for the truly aged.

livesoft wrote:My mom was 100% stocks because bonds are so boring. It is possible there is nothing wrong with 100% stocks at her age. Can she meet her goals if stocks dropped in value by 50%? Probably, don'tcha think?


Agree.
by joe8d
Fri Nov 21, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio suggestions for the truly aged.
Replies: 20
Views: 1950

Re: Proposed Lifetime Retirement Investment Approach

What do you think about this lifetime retirement investment approach?

MichDad

Looks good to me.
by joe8d
Fri Nov 21, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 2279

Re: The Bogleheads Have Taken Over

Location: Greatest Snow On Earth


Check out where I live :happy
by joe8d
Fri Nov 21, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: The Bogleheads Have Taken Over
Replies: 8
Views: 2245

Re: Rick Ferri 60/40 portfolio

Life Strategy Moderate will give the 3 fund portfolio in the 60/40 proportion in one fund. I do like Ricks options for the "Bond" portion :

BND for bonds or a comparable fund (or CD ladder)
by joe8d
Thu Nov 20, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4288

Re: thinking of opening a franchise

hicabob wrote:I always though that the advice to "work in one first" is probably a very good idea for someone considering a franchise.


+1
by joe8d
Thu Nov 20, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: thinking of opening a franchise
Replies: 21
Views: 2765

Re: Vanguard launches new offering ... [Vanguard merchandise

barnaclebob wrote:Maybe they'll start offering them for free when you get voyager select or flagship status.


Yes.
by joe8d
Thu Nov 20, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11161

Re: Diversification among Bonds?

I own STIG, Hi-YLD and NY TX Empt.That's enough Bond Diversification for me.
by joe8d
Wed Nov 19, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2847

Re: Poll: Net cost of your checking account annually?

Senior Citizen w/ direct deposit Of SS.No cost. Checks are from " Checks in the Mail ".
by joe8d
Wed Nov 19, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2247

Re: Could you rent out your house?

adamthesmythe wrote:I would be disinclined to rent my primary residence AND the amount of money is not so great that it makes sense to do much thinking about it.


Agree.
by joe8d
Mon Nov 17, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4049

Re: Target Date Fund all I need?

Let me make it less complicated than even a Target Date fund. How about the Vanguard LifeStrategy Moderate Growth fund? Excellent advice. I'm 30 and use the LifeStrategy Growth Fund which is 80/20. Set it and forget it. I have my wife in a Vanguard target fund that matches our risk tolerance. Easy ...
by joe8d
Sun Nov 16, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund all I need?
Replies: 19
Views: 2570

Re: Deciding When to Retire

Sometimes you don't get to decide


Yes,more often than not.
by joe8d
Sat Nov 15, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 4978

Re: Who is mailing Holiday Cards this year?

I am amused by all the people explicitly making the distinction that they are sending Christmas cards rather than Holiday cards. Oh, perish the thought of sending merely a holiday card! Such people are aware Christmas is a holiday, right? I know they're referring to the content to of the card itsel...
by joe8d
Sat Nov 15, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3164

Re: Question about Vanguard total stock market

Dividends aren't free money. ...since we are less than 60 days out, they won't be qualified... The holding period for qualify the dividends is 61 days in a 121 day window centered on the ex-dividend date. Buy and hold is always enough to satisfy the holding period. If you buy now you'll satisfy the...
by joe8d
Fri Nov 14, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard total stock market
Replies: 8
Views: 1232

Re: Why own International at all?

I'm at the low end ( 15-20%).The outsized gains of international in the past were due primarily to the devaluing dollar.That situation appears to have reversed.
by joe8d
Fri Nov 14, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 3988

Re: Who is mailing Holiday Cards this year?

Also, I discovered the Rudolph and friends postage stamps that are new this year. I highly recommend them. :P


Check out the International Christmas stamp this year.It is circular with a wreath design.Looks great.
by joe8d
Fri Nov 14, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3164

Re: Pick a bond fund for me

KyleAAA wrote:I think the short term bond index is a no-brainer if you don't want any TIPS.


+1
by joe8d
Fri Nov 14, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pick a bond fund for me
Replies: 14
Views: 1076

Re: Who is mailing Holiday Cards this year?

Will be sending Christmas Cards to family and friends this year as I have always done.
by joe8d
Fri Nov 14, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3164

Re: IRA move happend at the worst time - now what?

Leeraar wrote:
Since this is in an IRA you cannot harvest losses


Well,any loss in a T-IRA is shared by your "Partner",The Government.
by joe8d
Thu Nov 13, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA move happend at the worst time - now what?
Replies: 15
Views: 1251

Re: Food Frugality: Where do you draw the line?

If people want to go to Whole Foods because they like the taste of goat cheese and can't get it anywhere else, or because they approve of the organic movement's position on low intensity farming, or because they want to avoid poor people at Walmart, then those are all perfectly valid reasons to pay...
by joe8d
Thu Nov 13, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6537

Re: Your favorite classic toys for kids

Baseball cards (with a stick of gum in it of course)
ThankYouJack


Terrible gum.All the Mickey Mantle cards I had back then. Gone now :(
by joe8d
Wed Nov 12, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4038

Re: What Movie Have You Recently Watched?

vrex wrote:Nebraska...enjoyed it very much.


:thumbsup :thumbsup :thumbsup :thumbsup :thumbsup
by joe8d
Wed Nov 12, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18123

Re: Your favorite classic toys for kids

The Green Plastic Soldiers were just placed into the Toy Hall of Fame. When I was a kid ( WWII + Korea) that was a big thing. Todays Kids,hopefully not.
by joe8d
Tue Nov 11, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4038

Re: Food Frugality: Where do you draw the line?

Whole Foods is coming to my area, but I won't be a customer.
by joe8d
Tue Nov 11, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6537

Re: Your favorite classic toys for kids

ThankYouJack wrote:What are some of your favorite classic toys for kids?

My favorites growing up were legos, race car track sets, and anything that involved building


2nd that.
by joe8d
Tue Nov 11, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4038

Re: Food Frugality: Where do you draw the line?

When I was working, one of the high points were the days when Sales Rep's stopped by with a dozen donuts :D
by joe8d
Tue Nov 11, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6537

Re: What Movie Have You Recently Watched?

A couple of Gritty type:
"God's Pocket" ( Philip S.Hoffman) and "Joe"( Nicholas Cage)
by joe8d
Mon Nov 10, 2014 11:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18123

Re: Most Efficient Human Powered Boat

My extended family in Australia live on a waterway and have a Hydrobike which they enjoy very much.
by joe8d
Sun Nov 09, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Human Powered Boat
Replies: 13
Views: 1405

Re: Donating Your Body to Medical School, etc.

What happens to the remains afterwards? My brother elected to do this.His body was kept by the medical school for 2 years followed by a common cremation of the bodies they had in storage and the ashes of all put into common grave with no religious service conducted.Not the way I would have had it d...
by joe8d
Sun Nov 09, 2014 12:42 am
 
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 4392

Re: "You're invited to...." (nonsense talk and dinner)

I've seen mention of VG treating Flagship Clients to a free dinner in various cities.I've not received any invitation here. I would settle for a free Subway coupon :happy I haven't received any invitation either. But all I really want is a Vanguard coffee cup. :happy Actually,I saw a facebook post ...
by joe8d
Fri Nov 07, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9370

Re: "You're invited to...." (nonsense talk and dinner)

I've seen mention of VG treating Flagship Clients to a free dinner in various cities.I've not received any invitation here. I would settle for a free Subway coupon :happy
by joe8d
Thu Nov 06, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 105
Views: 9370

Re: I'm Scared! Vanguard Target Retirement 2015 - What to d

Keep what you have and the way you have it..

60K in an Ally Savings Account
27K per year from a company pension plan (or 370K lump sum)
22K per year from Social Security
350K in my Vanguard Target 2015 Retirement Account
by joe8d
Thu Nov 06, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm Scared! Vanguard Target Retirement 2015 - What to do!
Replies: 39
Views: 7259

Re: Avoid points in unsafe turn ticket!

I'm reading the OP a little differently now. He was speeding, the officer pulled him over. In-lieu of a speeding violation, he gave him a ticket for failure to use a turn signal. I'm betting that the speeding violation was 3 points and that the turn signal violation is no points. That's the "w...
by joe8d
Wed Nov 05, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Avoid points in unsafe turn ticket!
Replies: 48
Views: 2418

Re: New Tony Robbins Book on Financial Freedom

Except, profits / royalties from such books may be seized:


Never said that they would profit from it.
by joe8d
Mon Nov 03, 2014 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 66
Views: 11408

Re: New Tony Robbins Book on Financial Freedom

There must be an investment analogy in there somewhere. Personally I'm waiting for Mick J's book on how to invest like a rock star.


Actually,He's a graduate from London School of Economics and prisoners can write books.
by joe8d
Sun Nov 02, 2014 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 66
Views: 11408

Re: Asset Allocation

Equity: TSM 80% / T-Int 20%
by joe8d
Fri Oct 31, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 14
Views: 769

Re: Is $700,000 enough to retire? Opinions please .

DH age 64.3 wants to retire unexpectedly from good job


I would continue to work.
by joe8d
Fri Oct 31, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12494

Re: Short term reserve question.

Online Bank Savings Accounts.
by joe8d
Fri Oct 31, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term reserve question.
Replies: 22
Views: 1436

Re: Coupons? Do you live by them?

Use coupons all the time.
by joe8d
Fri Oct 31, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4042

Re: Bond Distribution Yield and SEC Yield ?

Well,there is also a "Cost Basis Yield" which is the current distribution factored by your cost basis NAV rather than current NAV.
by joe8d
Thu Oct 30, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Distribution Yield and SEC Yield ?
Replies: 8
Views: 543

Re: My favorite Vanguard balanced fund

I was surprised at his comment on Vanguard not having a 50/50 balanced fund.


Yes, I stated many times that VG should create a 5th Life Strategy Fund,LS Balanced 50/50.
by joe8d
Thu Oct 30, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4170
Next

Return to advanced search