Search found 4157 matches

by joe8d
Wed Apr 26, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 49
Views: 5184

Re: One Fund? Really?

100% TSM would be ok.
by joe8d
Mon Apr 17, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1244

Re: First Full-Time Job: Need Help Picking Funds

At age 22, I would be 100% in VG Institutional Index for Retirement.
by joe8d
Tue Apr 11, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12217

Re: You can never go "home" - retirement

I never left.
by joe8d
Thu Apr 06, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement vs Total Stock Market
Replies: 13
Views: 1939

Re: Vanguard Target Retirement vs Total Stock Market

!00 % TSM for RETIREMENT account at your age.
by joe8d
Mon Apr 03, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact-2017-Plus pre-order $60? (download version)
Replies: 11
Views: 764

Re: Taxact-2017-Plus pre-order $60? (download version)

camillus wrote:
joe8d wrote:I told everybody back on CyberMonday that if you registered with TaxAct that day, you would get Fed and State Free. I did and payed nothing. Since I didn't get any responses to my post , I assume nobody payed attention to it.

I also paid $0 FED + state and filed schedules C and SE.

:thumbsup
by joe8d
Thu Mar 30, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5546

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Stocks:Indexed. Bonds: VG active.
by joe8d
Tue Mar 21, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact-2017-Plus pre-order $60? (download version)
Replies: 11
Views: 764

Re: Taxact-2017-Plus pre-order $60? (download version)

I told everybody back on CyberMonday that if you registered with TaxAct that day, you would get Fed and State Free. I did and payed nothing. Since I didn't get any responses to my post , I assume nobody payed attention to it.
by joe8d
Mon Mar 06, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2618
Views: 692957

Re: What Movie Have You Recently Watched?

" American Pastoral", a unique dark drama.
by joe8d
Mon Mar 06, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4289

Re: The Joys Of Tax Season! :(

Choy wrote:This is going to sound crazy, but I actually enjoy doing taxes for the most part. :shock:


Same here.
by joe8d
Tue Feb 28, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2618
Views: 692957

Re: What Movie Have You Recently Watched?

Elsebet wrote:Hell or High Water - really enjoyed this dark comedy. Although it is supposed to be a thriller I found the characters very funny most of the time, which is why I say dark comedy.


Agree.
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: 3035

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: 3991

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: 3241

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: 3770

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: 8639

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: 3558

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: 2618
Views: 692957

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: 67
Views: 10547

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: 118
Views: 19685

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: 394

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: 1593

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: 2624

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: 1593

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: 4614

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: 5976

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: 1751

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: 1751

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: 672

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: 1390

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: 1569

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: 2808

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: 2808

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: 2618
Views: 692957

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: 5459

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: 5459

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: 5459

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: 2531

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: 2618
Views: 692957

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: 2589

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: 8776

Re: Cannot get myself to spend my savings

Join the Club.

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