Search found 4145 matches

by joe8d
Thu Feb 09, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2954

Re: Is Guam in Ohio?

Guam is one of the 57 "States" of the Union :D
by joe8d
Thu Feb 02, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much will i need to retire in my apartment in nyc?
Replies: 35
Views: 3820

Re: How much will i need to retire in my apartment in nyc?

NYC'ers are suppose to retire to Florida.
by joe8d
Tue Jan 31, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone drop out of school in 30's or 40's?
Replies: 34
Views: 3158

Re: Anyone drop out of school in 30's or 40's?

I am 40 years old with 2 small children, make descent money and own 8 rental properties. I have a combined family income of 140k. My wife is in a career were she will move up. My job is more dead end type of job with no promotions and a 2% merit increase till I die. I like my job and the stress lev...
by joe8d
Fri Jan 27, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3614

Re: How Do You Pay Your Monthly Bills?

Automatic direct withdrawal from checking.
by joe8d
Wed Jan 25, 2017 8:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7359

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Adding my wishes for a Happy Birthday, Taylor :D
by joe8d
Tue Jan 24, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 3392

Re: Possbile career moves without college degree

He seems to be doing fine as he is.
by joe8d
Sat Jan 21, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2424
Views: 613762

Re: What Movie Have You Recently Watched?

"A Man called Ove". Swedish w/ English subtitles. A real Heartwarmer.
by joe8d
Wed Jan 11, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6782

Re: Laundry lifestyle creep

Tide.
by joe8d
Mon Jan 09, 2017 8:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 117
Views: 17788

Re: Sad News About a Respected Forum Member

Sad to hear.He was the insurance expert and helped many in that regard.In my prayers
by joe8d
Fri Jan 06, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated tax payments prior to RMD's?
Replies: 4
Views: 356

Re: Estimated tax payments prior to RMD's?

JustDucky wrote:Once one begins taking RMD's; does one need to also consider estimated tax payments for the RMD for that year and each year afterwards? If one has a substantial IRA it could amount to a significant payout. Appreciate your thoughts.


Yes.
by joe8d
Fri Jan 06, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes
Replies: 16
Views: 1478

Re: Estimated taxes

I say again, most people need only pay 100% of last years Total Tax. I've been doing for many years,
by joe8d
Fri Jan 06, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on a Bogle quote
Replies: 29
Views: 2445

Re: Thoughts on a Bogle quote

I've come to the opinion that one only needs TSM or S&P 500 for stock allocation.
by joe8d
Thu Jan 05, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes
Replies: 16
Views: 1478

Re: Estimated taxes

cheesepep wrote:I honestly don't even calculate my estimated taxes. I just pay the IRS what I think is a fair share and pay the penalty at the end. Ends up being $200 or so, which is ok by me.


Just pay 100% of what your total tax was last year and no penalty,
by joe8d
Mon Dec 26, 2016 8:50 pm
Forum: Investing - Theory, News & General
Topic: David Swensen says "never have anything weighted more than 30%"
Replies: 42
Views: 4424

Re: David Swensen says "never have anything weighted more than 30%"

If a person owned only TSM or S&P 500 for the stock allocation,I think they would do just fine.
by joe8d
Fri Dec 16, 2016 8:45 pm
Forum: Investing - Theory, News & General
Topic: Ellis: "Under 40 years old - 100% in Stocks"
Replies: 54
Views: 5749

Re: Ellis: "Under 40 years old - 100% in Stocks"

Should investors under 40 years old have 100% in stocks? I know it depends on personal situation. But philosophically? Ellis makes his case in the article below. Charles Ellis' suggested portfolios by age Under 40 years old -- 100% in stocks 40 to 50 years old -- 90% in stocks; 10% in bonds 50 to 6...
by joe8d
Wed Dec 07, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Simplyfying to 1-Fund Portfolio?
Replies: 13
Views: 1628

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: 1628

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: 656

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: 1292

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: 1490

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: 2584

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: 2584

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: 2424
Views: 613762

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: 5285

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: 5285

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: 5285

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: 2447

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: 2424
Views: 613762

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: 2492

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: 8610

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: 5854

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: 1829

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: 3809

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: 80
Views: 7571

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: 2785

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: 3185

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: 1941

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: 3738

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: 6806

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: 4481

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...

Go to advanced search