Search found 4125 matches

by joe8d
Wed Dec 07, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Simplyfying to 1-Fund Portfolio?
Replies: 13
Views: 1372

Re: Simplyfying to 1-Fund Portfolio?

joe8d wrote:Tom, in your case I would just use TSM. Move your RMD's into Taxable TSM. I would think you don't need the RMD's to live on.


PS: I move all my RMD's into taxable TSM.
by joe8d
Wed Dec 07, 2016 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Simplyfying to 1-Fund Portfolio?
Replies: 13
Views: 1372

Re: Simplyfying to 1-Fund Portfolio?

Tom, in your case I would just use TSM. Move your RMD's into Taxable TSM. I would think you don't need the RMD's to live on.
by joe8d
Mon Dec 05, 2016 9:15 pm
Forum: Investing - Theory, News & General
Topic: RMD vs 4% when Most of $$ in IRAs ?
Replies: 4
Views: 530

Re: RMD vs 4% when Most of $$ in IRAs ?

Must take as per age/table.% will increase each year.
by joe8d
Sat Dec 03, 2016 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: comments on this 2 funds
Replies: 21
Views: 1150

Re: 2 Funds or 1 ?

jafcorrea: A single Total Stock Market Index Fund is better than two funds with the same stocks for several reasons: * No rebalancing which often results in capital gains. * Better tax-efficiency. * Less record keeping. * Lower cost * Simplifies tax-preparation * Reduces paper-work and record keepi...
by joe8d
Tue Nov 29, 2016 9:58 pm
Forum: Investing - Theory, News & General
Topic: When to exchange munis for treasuries in retirement?
Replies: 13
Views: 1350

Re: When to exchange munis for treasuries in retirement?

I'd been thinking of exchanging out of my Vanguard NY muni fund into Total Bond market. However, both have the same SEC yield and almost the same duration (6.1 v. 5.8 years). NY muni is obviously concentrated in NY, so risk may be higher than with the more diversified TBM. However, I'd pay signific...
by joe8d
Tue Nov 29, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Deluxe Discontinued? TaxAct Plus Only for more $$$?
Replies: 15
Views: 1904

Re: TaxAct Deluxe Discontinued? TaxAct Plus Only for more $$$?

joe8d wrote:Just got and responded to an e-mail from TaxAct, Free Fed and State To former customers on Cyber Monday only.


My free offer was for the Premium version ( US + NY)
by joe8d
Sun Nov 27, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Deluxe Discontinued? TaxAct Plus Only for more $$$?
Replies: 15
Views: 1904

Re: TaxAct Deluxe Discontinued? TaxAct Plus Only for more $$$?

Just got and responded to an e-mail from TaxAct, Free Fed and State To former customers on Cyber Monday only.
by joe8d
Sun Nov 27, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512358

Re: What Movie Have You Recently Watched?

abuss368 wrote:We watched "The Fighter" with Christian Bale and Mark Walhberg. A true boxing story that I enjoyed.


Great acting by both.
by joe8d
Sat Nov 26, 2016 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 4230

Re: Thoughts on AA for the retired

We are in our 9th year of retirement (ages are 67 and 72). Until now, we've kept our AA at about 50:50 by dividing our IRA accounts between two VG balanced funds. So far, I've been happy with our decisions. I am now thinking that perhaps it's time to dial back our risk level and go to 40:60 or 35:6...
by joe8d
Sat Nov 26, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 4230

Re: Thoughts on AA for the retired

We are in our 9th year of retirement (ages are 67 and 72). Until now, we've kept our AA at about 50:50 by dividing our IRA accounts between two VG balanced funds. So far, I've been happy with our decisions. I am now thinking that perhaps it's time to dial back our risk level and go to 40:60 or 35:6...
by joe8d
Fri Nov 25, 2016 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 4230

Re: Thoughts on AA for the retired

We are in our 9th year of retirement (ages are 67 and 72). Until now, we've kept our AA at about 50:50 by dividing our IRA accounts between two VG balanced funds. So far, I've been happy with our decisions. I am now thinking that perhaps it's time to dial back our risk level and go to 40:60 or 35:6...
by joe8d
Fri Nov 25, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: "Bonds And The Good News About Rising Rates"
Replies: 15
Views: 2059

Re: "Bonds And The Good News About Rising Rates"

One piece of good news from higher interest rates is that it will help retirees and savers in general. I for one don't like needing a microscope to see the interest rates paid on my bank deposits. The very low interest rates helped the banks but penalized savers. Higher interest rates will also hel...
by joe8d
Mon Nov 21, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512358

Re: What Movie Have You Recently Watched?

Woody Allen's "Cafe Society". Worth a watch.
by joe8d
Mon Nov 21, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2212

Re: Which single fund to invest in for widow?

The single fund would be TSM or the S&P 500. A separate Online Savings account for the income portion.
by joe8d
Wed Nov 16, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8056

Re: Cannot get myself to spend my savings

Join the Club.
by joe8d
Sat Nov 05, 2016 10:26 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 4853

Re: New Dentist - Lots of Recommended Work

I would see one of those " Dental Monitors" that I see on TV. They just tell you if you have cavities, but don't fix them.
by joe8d
Tue Nov 01, 2016 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Dividend Only Stocks? Book I just read.
Replies: 16
Views: 1717

Re: Buying Dividend Only Stocks? Book I just read.

you can have the best of both worlds with Vanguard S&P 500 fund. A fairly steady record of increasing dividends that beats inflation and you're getting the best of the best of American business'. All for the low fee of .05% and with securities lending, it's even lower. Mr Buffett thinks this is...
by joe8d
Mon Oct 31, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Would it be worth going into college if I'm not sure of what I want to do?
Replies: 47
Views: 3561

Re: Would it be worth going into college if I'm not sure of what I want to do?

Food Service / Hospitality is definitely a community college speciality.
by joe8d
Sat Oct 29, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 78
Views: 6279

Re: How much international?

15-20%
by joe8d
Tue Oct 25, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Where do you store your paper documents?
Replies: 36
Views: 2632

Re: Where do you store your paper documents?

Two drawer metal file cabinet.
by joe8d
Sun Oct 23, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 3022

Re: Replacement Windshield Wiper Blades

A word of caution - when you extend the wiper arm to remove the old blade, put something down on the windshield in case the arm suddenly drops down (a towel, piece of wood or whatever). The bare metal striking the windshield can break the glass. I'm speaking from experience. Yes, I keep a block of ...
by joe8d
Tue Oct 11, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Trying to Quit Smoking, Buying a Vape
Replies: 21
Views: 1832

Re: Trying to Quit Smoking, Buying a Vape

if the only smoking you done in life was 2 years with cigars, you should be able to quit cold turkey.That's the best way to do it.
by joe8d
Mon Oct 10, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: Tattoo Costs and Removal
Replies: 39
Views: 3461

Re: Tattoo Costs and Removal

Don't get a tattoo in the first place.
by joe8d
Sat Oct 08, 2016 11:06 pm
Forum: Personal Consumer Issues
Topic: Retirees: What are your passions?
Replies: 56
Views: 6440

Re: Retirees: What are your passions?

Working my P/T job.
by joe8d
Wed Oct 05, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take government job or stick with job at Megacorp?
Replies: 45
Views: 4157

Re: Should I take government job or stick with job at Megacorp?

Government jobs (in general) have these advantages: 1.) More secure(the government is not going to merge, relocate, go out of business, or kick you out if the work slows down.) 2.) Have defined pensions 3.) Good health insurance 4.) Less likely to require overtime 5.) More holidays than private ind...
by joe8d
Thu Sep 29, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14833

Re: Does it matter what type of college one goes to?

Intelligence and ambition are the 99%. The university attended is the 1% (if anything). A good college may polish a turd, but a good student will be equally successful wherever he goes. I agree with this. I think Harvard (etc.) takes way too much credit for their students' success. They only accept...
by joe8d
Tue Sep 27, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14833

Re: Does it matter what type of college one goes to?

Malcolm Gladwell's "David and Goliath" touches on this subject. He concludes that many talented people are lost and discouraged by the fierce competition at a prestigious school but would shine at a good one. Students should not necessarily go to major, prestigious universities just to ta...
by joe8d
Fri Sep 23, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7965

Re: Trader Joe's Fans - good value?

Barefootgirl wrote:"Old School" greeting cards, the paper kind. They're tasteful, artsy and cheap.


Good cards, 50 cents, Dollar Tree.
by joe8d
Fri Sep 23, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7965

Re: Trader Joe's Fans - good value?

denovo wrote:Good value- absolutely not. It's not as much a rip off as Whole Foods, but your local supermarket chain and Costco are definitely cheaper for 90 percent of things.


Yes, WNYers have WEGMANS.
by joe8d
Fri Sep 16, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market question
Replies: 3
Views: 460

Re: Vanguard Money Market question

I've closed all MM accounts with VG and opened Online Savings with Ally and Barclays Banks.
by joe8d
Thu Sep 15, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10626

Re: Favorite Coffee

Anybody else remember " Instant Postum " ?
by joe8d
Wed Sep 14, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10626

Re: Favorite Coffee

Maxwell House.
by joe8d
Sat Sep 10, 2016 10:56 pm
Forum: Investing - Theory, News & General
Topic: Best books [on investing strategy]
Replies: 26
Views: 2358

Re: Best books [on investing strategy]

No Book. Just put all money for retirement into a broad based Stock Index Fund.
by joe8d
Sat Sep 10, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: "Letter of Final Instructions"
Replies: 45
Views: 6100

Re: "Letter of Final Instructions"

Also include a list of any automatic bill payees.
by joe8d
Sat Sep 03, 2016 11:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512358

Re: What Movie Have You Recently Watched?

sixtyforty wrote:Just watched the Documentary "HolyHell". Wow. Pretty courageous people that told their stories, is all I can say. Should be required viewing.


Saw it too. Pretty Stupid people to follow that Character.
by joe8d
Sat Sep 03, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512358

Re: What Movie Have You Recently Watched?

TOJ wrote:Remember, which is free on Amazon prime. Loved it.

:thumbsup
by joe8d
Fri Sep 02, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Federal employee seeking more ways to save for retirement
Replies: 8
Views: 1133

Re: Federal employee seeking more ways to save for retirement

I would also get consider (and get more confortable) with long-term investing in a taxable account. If you do the math, buy-and-hold investing with capital gains rates (and an exclusion for basis) can at times be even more favorable from a tax perspective than investing in a 401k, where you will pa...
by joe8d
Mon Aug 22, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Timing for RMD withdrawals?
Replies: 33
Views: 2973

Re: Timing for RMD withdrawals?

If you take the RMD from TSM and invest it in TSM, it would seem best to do it early in the year because if it grows further in a tIRA then when you or your heirs eventually withdraw it, regular income taxes would be due. If it grew in a taxable account, it would eventually be subject to LTCG rates...
by joe8d
Sun Aug 21, 2016 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Timing for RMD withdrawals?
Replies: 33
Views: 2973

Re: Timing for RMD withdrawals?

I take my RMD on the first ex-dividend day of the year. It is a transfer of stock in the IRA to TSM in taxable since I don't need the money.
by joe8d
Sat Aug 20, 2016 11:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512358

Re: What Movie Have You Recently Watched?

Ricola wrote:A Hologram for the King, with Tom Hanks starring. Had some funny parts and Tom Hanks is always good.


Waiting for the Library DVD of that.

Go to advanced search