Search found 4025 matches

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: 2498

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: 2109

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: 8112

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: 1767

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: 4872

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: 1159

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: 5112

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: 34
Views: 2176

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: 724

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: 1832

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: 6430

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: 113
Views: 13006

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: 815

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: 1572

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: 562

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: 6188

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: 1872

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: 7694

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: 2440

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: 4496

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: 5002

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: 10690

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: 933

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: 6923

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: 8845

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: 5105

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: 1201

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: 514

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: 9706

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: 5225

Re: Leave Thermostat Alone or Adjust It?

I keep it at 74 all the time. My rule of thumb: Age in Temp. :happy
by joe8d
Wed Feb 17, 2016 9:31 pm
Forum: Investing - Theory, News & General
Topic: Certificate of deposit vs. short-term bond fund
Replies: 30
Views: 2962

Re: Certificate of deposit vs. short-term bond fund

STIG Admirial is yielding > 2%.
by joe8d
Tue Feb 16, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: What happens if I mail the IRS a 1040 with a watermark?
Replies: 4
Views: 748

Re: What happens if I mail the IRS a 1040 with a watermark?

Go to the IRS site,recopy on their fill in form and e-file (free) right from there.
by joe8d
Mon Feb 15, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Reading a newspaper online?
Replies: 18
Views: 1189

Re: Reading a newspaper online?

Only read broadsheet, no e-paper.
by joe8d
Mon Feb 08, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Moms $
Replies: 10
Views: 1424

Re: Moms $

Online Savings Account.
by joe8d
Mon Feb 08, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 319136

Re: What Movie Have You Recently Watched?

"Little Man". A heart warmer.
by joe8d
Sat Feb 06, 2016 10:17 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 4841

Re: Traveling in Retirement

:thumbsup
by joe8d
Fri Feb 05, 2016 9:02 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 4848

Re: If SS covers expenses why invest?

Toons wrote:You never now what the future holds...
The best laid plans of mice and men,,,
If nothing else ,
legacy for family or any worthwhile cause :happy


:thumbsup
by joe8d
Fri Feb 05, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2606

Re: How do you hire a lawyer to be "on retainer"?

hicabob wrote:If you got arrested I would think knowing a bail bondsman, or phone number would be as good as a lawyer near term and give you time to acquire suitable counsel.
1-800-badboys "Because Your Mama Wants You Home!"


Ah yes, " You Ring,We Spring " :D
by joe8d
Tue Feb 02, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Retired - do you still save?
Replies: 38
Views: 4134

Re: Retired - do you still save?

Retired almost 12 years and still save.
by joe8d
Mon Feb 01, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: Charles Ellis' suggested portfolios by age
Replies: 53
Views: 4505

Re: Charles Ellis' suggested portfolios by age

I agree with Charles Ellis suggestions. 73.5 and 50/50.
by joe8d
Sun Jan 31, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Banks or credit unions
Replies: 37
Views: 2551

Re: Banks or credit unions

I use Ally and Barclay's Online for savings and the local B&M bank for all other banking needs.
by joe8d
Wed Jan 27, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 7802

Re: perfectly happy with cable

Have FIOS triple play, $129 mo ( TV, phone and internet ) and I get to watch MSNBC :happy
by joe8d
Tue Jan 26, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 53
Views: 3458

Re: Cutting Cable Cord Only to Strengthen Internet Cord

Boglenaut wrote:One essential element - Public Libraries!

We get DVD and Blu-Rays. What we do not see on the shelf, we can actually custom order on-line.


:thumbsup

Go to advanced search