Search found 4041 matches

by joe8d
Fri May 27, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Indexed Annuities: The Big Lie" by Don McDonald
Replies: 3
Views: 489

Re: "Indexed Annuities: The Big Lie" by Don McDonald

Don McDonald.Used to listen to his show on radio many years ago.
by joe8d
Wed May 25, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 59
Views: 4655

Re: Bernstein says emergency fund part of your "asset allocation?"

Yes, "Savings" which is used to purchase things in your Preretirement Lifespan is part of your AA.
by joe8d
Wed May 25, 2016 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 41
Views: 3069

Re: Role call Warren Buffet 90/10 portfolio

You wouldn't go wrong with that setup.
by joe8d
Wed May 25, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 87
Views: 2612

Re: series/ movies filmed in your home town?

Filming Thurgood Marshall Biopic here right now.
by joe8d
Tue May 24, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 94
Views: 3002

Re: What was your first investment?

20th Century Growth Fund.
by joe8d
Tue May 24, 2016 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover "Limbo" Period
Replies: 8
Views: 483

Re: Rollover "Limbo" Period

EdB wrote:Just invest the money into your new account when you get it and don't look back.


Yes,there is nothing you can do about it.
by joe8d
Tue May 24, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1623
Views: 339455

Re: What Movie Have You Recently Watched?

mickeyd wrote:Nebraska

What it's like to get old in America. Black/white format actually makes it a better flick.


Excellent Film.
by joe8d
Wed May 18, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Clean sheeting clean country living
Replies: 9
Views: 1024

Re: Clean sheeting clean country living

A scenic area of the country with noticable seasons but not too cold/snowy (No Buffalo).


WHAT ???
by joe8d
Wed May 18, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?
Replies: 95
Views: 7831

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

My gut response was a bit different. Did you pay room and board when you were living with your mother? Will the additional costs of your mother living with you cause your family financial hardship? Will she be providing you with any childcare or babysitting assistance? If you vacation will she be a...
by joe8d
Thu May 12, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much pay cut would you tolerate moving from private industry to federal government
Replies: 23
Views: 1642

Re: How much pay cut would you tolerate moving from private industry to federal government

So I've looked at it from the other side. How much more would i need to make in the private sector. I'd say 20-30%. 1) 4 weeks vacation at 3 year. 26 days at 15 years. 2) 13 days per yr sick with no max on roll over. Use it or get bump in retirement. 3) pension 4) 5% TSP match 5) Job security 6) ov...
by joe8d
Thu May 12, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9285

Re: Take my SS at 62 or wait?

samsoes wrote:Take it at 62! I sure am going to when the time comes at 62.

Life's too short. Take it, save it, spend it, enjoy it. You never know the accident or sudden illness which may be around the corner (hopefully not, but you never know).

:thumbsup Certainly if you are single
by joe8d
Tue May 10, 2016 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor at 0.03% [actually 0.3%]
Replies: 53
Views: 8011

Re: Vanguard advisor at 0.03%

On a Vanguard webinar one of their advisors noted that one of the main services they provide is to "hold hands" or talk people down from bad decisions when the market had them spooked. Makes sense if what you want and what you have is a basic 3- or 4-fund portfolio. Question is: do you ne...
by joe8d
Tue May 10, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance?
Replies: 39
Views: 3500

Re: How often to rebalance?

ImNotABot wrote:
Toons wrote:
joe8d wrote:I believe Mr Bogle does not rebalance nor do I.


+1
Excellent :happy


lol... so the alternative is just to contribute to the asset classes that are low?


Yes.
by joe8d
Tue May 10, 2016 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance?
Replies: 39
Views: 3500

Re: How often to rebalance?

I believe Mr Bogle does not rebalance nor do I.
by joe8d
Fri May 06, 2016 6:59 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 3832

Re: Retirees: Who's not changing their AA, ever?

Almost 74 and staying at 50/50.
by joe8d
Wed Apr 27, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 2643

Re: Should a 60 yr old buy her first house?

Toons wrote:I would buy a small condo ,maybe.
Less to take care of is "more" as one ages. :happy


I agree.That's what I did.
by joe8d
Tue Apr 26, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Government vs Private sector employment
Replies: 32
Views: 2275

Re: Government vs Private sector employment

I have always been a private sector employee, and used to believe in the free market and think that the private sector provided the best opportunities for advancement and growth as well as monetary benefits. Think I have been very wrong in that. I see government jobs offering competitive salaries p...
by joe8d
Mon Apr 25, 2016 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 97
Views: 8491

Re: Relocating to a tax free state with good weather need advice

birdy wrote:My 2 cents: Live where you love the people and feel alive when you walk out your door. There is more to life than to worry about taxes.

birdy


+1

PS: tax free states are actually tax regressive and "good weather" usually means oppressive heat,bugs,bad water and hurricanes .
by joe8d
Mon Apr 25, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1949

Re: Holes in the heels of black dress socks

Trim your toenails.
by joe8d
Mon Apr 25, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why have a formal budget?
Replies: 82
Views: 5713

Re: Why have a formal budget?

Never had the need to.
by joe8d
Sat Apr 23, 2016 10:56 pm
Forum: Investing - Theory, News & General
Topic: Determine risk tolerance
Replies: 19
Views: 1345

Re: Determine risk tolerance

If you are 29 and doing retirement savings through periodic investing, I would go 100% Broad Based Stock Index Funds.
by joe8d
Sat Apr 23, 2016 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Million? [Will I get there]
Replies: 41
Views: 5514

Re: Million? [Will I get there]

Toons wrote:1 million.
You won't feel any different when you wake up the next day.
:happy


+1
by joe8d
Wed Apr 13, 2016 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: International
Replies: 35
Views: 2515

Re: International

20% Total International.
by joe8d
Wed Apr 13, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with money after investing in retirement?
Replies: 8
Views: 756

Re: What should I do with money after investing in retirement?

JohnWild wrote:What bank account is giving you 5% interest?


Yeah?
by joe8d
Tue Apr 12, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Non-traditional routes to teacher certification
Replies: 28
Views: 2011

Re: Non-traditional routes to teacher certification

One unrelated thing he may want to consider - joining the Reserves. He's halfway to the 20 years (combination active and reserve years), would supplement his teacher salary and would have a 2nd retirement income to look forward to. I've known a number of teachers who have been career reservists as ...
by joe8d
Tue Apr 12, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6936

Re: Retirees: what's your Withdrawal Rate for this and last year?

12 years retired and have not withdrawn anything except RMD's which were put into taxable account.
by joe8d
Tue Apr 05, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 181
Views: 21503

Re: guaranteed 5% vs stocks?

Is this covered by FDIC?
by joe8d
Mon Apr 04, 2016 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare is primary
Replies: 10
Views: 839

Re: Medicare is primary

Medicare Advantage Plan.
by joe8d
Sat Mar 26, 2016 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: index fund diversification and 100% equity
Replies: 19
Views: 1632

Re: index fund diversification and 100% equity

TOJ wrote:Emergency funds are for job loss and medical expenses, not retirement accounts. I still can't see anything wrong with 0% bonds when you have 30 years to go. Seems silly to worry about principal and income preservation in that scenario.


Agree.
by joe8d
Fri Mar 25, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: 1040-ES while tax filing
Replies: 8
Views: 582

Re: 1040-ES while tax filing

Toons wrote:
HueyLD wrote:IRS Direct Pay - no paper, no postage, no checks and you will receive instant confirmation.

https://www.irs.gov/Payments/Direct-Pay


+1 :happy
Or

https://www.eftps.gov/eftps/direct/EftpsHome.page


+2 what I use
by joe8d
Fri Mar 25, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 65
Views: 6374

Re: 2 Buckets or 3 Buckets in Retirement??

Dick D wrote:I think that the bucket approach is just another way of talking about asset allocation- stocks,bonds and cash.


Yes. I see it mainly as an Reporting Format.
by joe8d
Wed Mar 23, 2016 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund
Replies: 22
Views: 1969

Re: Target Retirement Fund

12K TSM,3K Tint. would be my choice,
by joe8d
Mon Mar 21, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8049

Re: I don't have anyone else to brag about this to

Being debt free is highly regarded on this forum :thumbsup
by joe8d
Mon Mar 21, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Unwanted Raise - Company stopping 401(k)
Replies: 19
Views: 2536

Re: Unwanted Raise - Company stopping 401(k)

jjface wrote:You say unwanted raise in the title- did they give you a raise to make up for stopping the 401k?


The "Raise " is the former deferred money being payed out.
by joe8d
Mon Mar 14, 2016 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs Becoming A Worse Investment?
Replies: 40
Views: 4684

Re: Are CDs Becoming A Worse Investment?

Don't go more than 1 year on a CD.
by joe8d
Tue Mar 08, 2016 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a house with cash
Replies: 46
Views: 5198

Re: Buying a house with cash

Payed cash for my condo.
by joe8d
Sat Mar 05, 2016 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10975

Re: Do most of you plan to retire "full-time"?

Retired, 73.5 and still work P/T.
by joe8d
Thu Mar 03, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA for filing taxes - Opinions
Replies: 18
Views: 981

Re: FreeTaxUSA for filing taxes - Opinions

Used it first time this year and was very satisfied with it.


Edit: For those who are interested, I did use it for New York State/City taxes in the past for some years, and it worked fine for that as well (but then it wasn't free!!).


Use free NYS tax file at the NYS Tax website.
by joe8d
Wed Mar 02, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Aldi now accepts credit cards!!!
Replies: 65
Views: 7440

Re: Aldi now accepts credit cards!!!

4strings wrote:not sure what the obsession/enamoration with Aldi is...their pricing is average at best compared to some other local grocery stores around me.

am I missing something??

:thumbsup
by joe8d
Thu Feb 25, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting college
Replies: 141
Views: 9176

Re: Quitting college

dziuniek wrote:I think I've read you're in community college.

Why not do just one more year or two but go part-time.

At the very least you could finish your college education at the Associate's Degree level.

A.S. in anything is better than nothing and will keep the door open for B.S/ / B.A. down the line!


+1
by joe8d
Wed Feb 24, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Accounts
Replies: 66
Views: 5235

Re: Bank Accounts

Online Savings, B&M bank checking.
by joe8d
Tue Feb 23, 2016 8:52 pm
Forum: Investing - Theory, News & General
Topic: Investing in Sports
Replies: 13
Views: 1276

Re: Investing in Sports

One thing for sure, the game of football has to change dramatically regards concussions and player/family law suits not only against the NFL, but college and below. Surveys show a dramatic decrease in little league football. If I were a team owner, I would have sold the franchise by now. Schools li...
by joe8d
Tue Feb 23, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Computing effective tax rate
Replies: 8
Views: 538

Re: Computing effective tax rate

sport wrote:I have never found effective tax rate to be very useful. The rate that is meaningful to me is the marginal rate. ie. What is the tax on any additional earnings, or conversely, how much tax will I save if I reduce my earnings.


:thumbsup
by joe8d
Tue Feb 23, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 10135

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

FYI: Used Free Tax USA this year.Worked out very well.Free Fed+e-file for all.
by joe8d
Thu Feb 18, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Leave Thermostat Alone or Adjust It?
Replies: 81
Views: 5390

Re: Leave Thermostat Alone or Adjust It?

I keep it at 74 all the time. My rule of thumb: Age in Temp. :happy

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