Search found 4093 matches

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: 123
Views: 5760

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: 7212

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: 7212

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: 423

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: 137
Views: 8084

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: 137
Views: 8084

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: 2211

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: 5745

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: 1904
Views: 449586

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: 1904
Views: 449586

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: 1073

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: 2811

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: 2811

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: 1904
Views: 449586

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.
by joe8d
Thu Aug 11, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Try to Fix Old LED TV or Buy New
Replies: 57
Views: 2884

Re: Try to Fix Old LED TV or Buy New

Cherokee8215 wrote:Unless you know how to fix electronics, trash it and buy a new one. The cost of paying someone to fix it will be almost as much as the cost of a new tv.

:thumbsup
by joe8d
Sat Jul 30, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 449586

Re: What Movie Have You Recently Watched?

theunknowntech wrote:'Eye in the Sky', which is a lovely film that will test your ethical stamina. We are not allowed to talk about politics here, but none are required.


Yes.
by joe8d
Fri Jul 29, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 2585

Re: Last day for free update to Windows 10

Didn't upgrade from W7 since it was not a " Clean " download.
by joe8d
Fri Jul 29, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 449586

Re: What Movie Have You Recently Watched?

"Remember", one of the best of the newer releases for reasons you will understand after you have seen it.
by joe8d
Tue Jul 26, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 60
Views: 3749

Re: What kind of apartment can $1k get you in your city?

Nice 2 BR in Suburbs here.

Remember: Rents are determined by income level of the potential renters.
by joe8d
Tue Jul 26, 2016 7:35 pm
Forum: Investing - Theory, News & General
Topic: "6 Ways to Simplify Your Retirement Portfolio Plan"
Replies: 12
Views: 2330

Re: "6 Ways to Simplify Your Retirement Portfolio Plan"

I believe point #6---going paperless---is optional at best, or a bad idea at worst. Why? I believe paper documents are insurance against cognitive decline. It's hard to forget statements that show up in your mailbox. Case in point. Above M* article links to other articles of interest to me. Wanting...
by joe8d
Mon Jul 25, 2016 7:28 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 6728

Re: John Bogle's home

Toons wrote:"I don't have to borrow money, and I don't like to"

Excellent line,,,,and oh does it ever ring so true with me :mrgreen:


:thumbsup Same here.
by joe8d
Thu Jul 21, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 61
Views: 9054

Re: What really happens to people who run out of their money in retirement

What is troubling to me, is the Retirees that get involved in gambling ( Lottery, Casino,s etc. ) at that late stage in life.
by joe8d
Tue Jul 12, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: How much cash to give when invited to a wedding?
Replies: 81
Views: 6118

Re: How much cash to give when invited to a wedding?

If the bride and groom to be are requesting cash as their registry is quite small, then how much cash should I give? I am thinking $100 for family and best friends, $50 for everyone else. Is this too cheap or too much? I'm 30 and have something like 6 weddings I"m invited to this year and cost...
by joe8d
Tue Jul 12, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6616

Re: Private vs State School?

What are the pros and cons of private college vs state? One of the schools costs 260,000 for 4 years The other one cost 76,000 for 4 years Hopefully he is getting more bang for his buck :mrgreen: Toons, I would change your last line to: I think he would get more Bang for his Buck at Bing. :happy
by joe8d
Tue Jul 12, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6616

Re: Private vs State School?

After 4 years and 260K to get History Degree, He will probably have spend 2 more years at a CC to get marketable training.
by joe8d
Sat Jul 09, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Employment ideas for former Police?
Replies: 37
Views: 2618

Re: Employment ideas for former Police?

I'm looking at quitting and going to the private sector. The problem is I'm having a real hard time finding a field where what I have done as a State Trooper for 8 years would assist me in getting hired. Any ideas? I'm stressing about it and it's time for me to move along from government employment...
by joe8d
Fri Jul 08, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4674

Re: Can we start another forum section? [Taxation of Social Security benefits]

As one who pays tax on 85% SS which when compounded with RMD push's me into the 25% bracket,I would welcome a reduction in SS taxation.Absent a full reduction of SS taxation or increase in the threshold ,treating the taxable portion the same as QDI would be a suggestion. BTW, I still pay SS on my P/...
by joe8d
Fri Jul 01, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Anyone own Ken Burns documentaries on DVD or BluRay?
Replies: 6
Views: 557

Re: Anyone own Ken Burns documentaries on DVD or BluRay?

Stonebr wrote:Have you checked your public library? Ours has just about everything he's done -- Baseball, Civil War, National Parks, Jazz...


2nd that.
by joe8d
Fri Jul 01, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9721

Re: How many of you have cut cord?

I have FIOS ( TV, phone, internet ).
by joe8d
Wed Jun 29, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Encyclopedia, World Book, Complete Set, 1960 Ed.
Replies: 37
Views: 2934

Re: Encyclopedia, World Book, Complete Set, 1960 Ed.

Our Library won't take them as a donation.
by joe8d
Thu Jun 23, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan options
Replies: 6
Views: 681

Re: Retirement plan options

I'm trying to help my wife sort out her retirement plan asset allocation. I'm very new to investing but intrigued by the simplicity of the 3-fund portfolio. The best options in her plan are: ⋅ Vanguard 500 Index Admiral 0.05 / 0.05 -- Large caps, 80% of US stocks ⋅ BlackRock Mid...
by joe8d
Wed Jun 22, 2016 7:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 3075

Re: Happy Birthday to Mel [Lindauer]

Happy Birthday Mel :sharebeer
by joe8d
Tue Jun 21, 2016 9:19 pm
Forum: Investing - Theory, News & General
Topic: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips
Replies: 65
Views: 4908

Re: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips

Expanded SS with higher mandated contributions from workers / employers, surplus invested in the total stock market and higher benefit amounts.
by joe8d
Fri Jun 17, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: "3 smart Social Security strategies if you've never married."
Replies: 7
Views: 1141

Re: "3 smart Social Security strategies if you've never married."

Single People don't have to worry about Spousal implications.Take when eligible and no longer able to work.
by joe8d
Thu Jun 16, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Slim chance for an SS COLA in 2017
Replies: 19
Views: 1640

Re: Slim chance for an SS COLA in 2017

dm200 wrote:Am I correct in assuming that low/no increases in Social Security monthly payments is a positive for the funding of the Social Security Retirement system?


Paying normal interest rates ( Fed ? )on the reserves would be a positive for SS.
by joe8d
Thu Jun 16, 2016 7:11 pm
Forum: Investing - Theory, News & General
Topic: "How to Make Your Money Last" -- A Gem
Replies: 43
Views: 9373

Re: "How to Make Your Money Last" -- A Gem

JBQ. Always good advice.
by joe8d
Thu Jun 16, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: Bogle says "You don't need bonds ?"
Replies: 68
Views: 8684

Re: Bogle says "You don't need bonds ?"

I think this should speak volumes to those in their 20's-40's that are a long way out from retirement. If you can ride the ups and downs without pulling the trigger on backing off your position why own bonds? Especially at this point when yields are so low. A 30 year old who won't be touching a 401...
by joe8d
Wed Jun 15, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: let go with 2 days notice
Replies: 28
Views: 4398

Re: let go with 2 days notice

Jags4186 wrote:2 days notice that's pretty good. Most places ship you out moment of termination.


Yes,They fire you and have a security guard accompany to retreve your personal items and then escort you to the door and out.
by joe8d
Fri Jun 03, 2016 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Best funds for children
Replies: 15
Views: 1681

Re: Best funds for children

Chow wrote:My 8 year old twins have approximately $75,000 in a Vanguard 500 account. Would you recommend swapping that out for another aggressive fund or two?

Thx


No. That's an ideal investment.

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