Search found 4078 matches

by joe8d
Mon Aug 22, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Timing for RMD withdrawals?
Replies: 33
Views: 2692

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: 2692

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: 1846
Views: 423736

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: 2709

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: 1846
Views: 423736

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: 2496

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: 1846
Views: 423736

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: 3640

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: 2272

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: 6629

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: 8880

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: 5910

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: 6368

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: 6368

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: 2533

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: 4523

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: 547

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: 9442

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: 2867

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: 670

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: 2960

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: 4789

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: 1122

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: 1604

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: 9256

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: 8518

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: 4368

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: 1653

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.
by joe8d
Thu Jun 02, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 3328

Re: 3-Day Weekend: Monday vs. Friday?

Friday.
by joe8d
Sat May 28, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1846
Views: 423736

Re: What Movie Have You Recently Watched?

"Remember", Well Worth Watching.
by joe8d
Fri May 27, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Indexed Annuities: The Big Lie" by Don McDonald
Replies: 26
Views: 2763

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: 62
Views: 5662

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: 55
Views: 6006

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: 3413

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: 117
Views: 5002

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: 567

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: 1846
Views: 423736

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: 1121

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? (Update, Pg 2)
Replies: 101
Views: 9368

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: 1814

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: 10593

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: 8453

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...

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