Search found 3983 matches

by joe8d
Fri Feb 05, 2016 9:02 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 58
Views: 3693

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: 13
Views: 1178

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: 24
Views: 1944

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: 4007

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: 2221

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: 123
Views: 6031

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: 3218

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
by joe8d
Mon Jan 25, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Should we do what our FA advises?
Replies: 52
Views: 3448

Re: Should we do what our FA advises?

With that amount of assets,VG will do a financial plan for you at no cost.
by joe8d
Mon Jan 25, 2016 7:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3592

Re: Happy Birthday Taylor!

Adding my wishes for a very Happy Birthday for you Taylor. :sharebeer
by joe8d
Sat Jan 23, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 4854

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

pennstater2005 wrote:
joe8d wrote:Going to try Free Tax USA this year.


Been using it for quite some time now. It has served me well. I'm trying TT free federal and state as a comparison before I submit. Free Tax USA charges $12.95 for state returns.



Will be using NYS free software ( available on website ) for state return.
by joe8d
Fri Jan 22, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead Way of Employment
Replies: 82
Views: 6590

Re: The Boglehead Way of Employment

Do what ever you can to get a Public Sector job.
by joe8d
Fri Jan 22, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 4854

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

Going to try Free Tax USA this year.
by joe8d
Thu Jan 21, 2016 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 2362

Re: Best place to live in CA for a retiree

Where they caught Whitey Bolger was considered a great place to retire in CA.
by joe8d
Thu Jan 21, 2016 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5174

Re: Going from 50/50 US/Int to All US

20% Int,80% US would be ( and is ) my choice.
by joe8d
Tue Jan 19, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 4843

Re: What online Email do you use

Hotmail and Yahoo.
by joe8d
Fri Jan 15, 2016 9:41 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 80
Views: 7691

Re: It sure looks like a good time to invest in oil

Waiting for 29.9 cents per gallon + free Feistaware :D
by joe8d
Fri Jan 15, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3685

Re: Does a BH play the lottery?

Personally, I never play though. It's fun to fantasize every once in a while, but I'm pretty sure that in reality winning some huge jackpot would be the worst thing that ever happened to me. I would probably lose all motivation to go out and try to achieve anything at that point. Plus, I'm not good...
by joe8d
Sun Jan 10, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 2501

Re: Films or TV with great period sets

I just love it when the visual setting actually transports you into a different world.


My favorite type of movie too.
by joe8d
Sat Jan 09, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4535

Re: Lottery Win...Could a Boglehead handle it?

A true Boglehead would not be buying a ticket.
by joe8d
Fri Jan 08, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct no longer handles sale of stock
Replies: 18
Views: 1607

Re: TaxAct no longer handles sale of stock

Yes, Tax Act has learned the wrong lesson from TurboTax last year. They now have three levels. If you file a 1040, you need to get Tax Act Plus. if you file a Schedule C, you need to get Tax Act Premium. Even though the cost differences are minimal, I have decided to not use Tax Act this year and f...
by joe8d
Fri Jan 08, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4955

Re: Job Prospects for English Majors?

Article today on the front page of the Buffalo News about all the people with Bachelor and Masters degrees going back to ECC to get marketable skills.
by joe8d
Wed Jan 06, 2016 7:31 pm
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 4402

Re: At what age did you stop reinvesting dividends?

I would argue that in a taxable account, it doesn't make sense for anybody to reinvest dividends. There is no tax advantage to doing so. So, why not direct those dividends to the asset class that is below your designated AA? Makes a ton of sense to me to auto reinvest dividends. First it's automati...
by joe8d
Tue Jan 05, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Idea on 25 grand money market account
Replies: 4
Views: 474

Re: Idea on 25 grand money market account

arpusgandy wrote:I have 25 grand at Vanguard in a money market account. What is the best investment option to make some money with low risk and maintain liquidity?


Online Savings.
by joe8d
Mon Jan 04, 2016 10:01 pm
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 4402

Re: At what age did you stop reinvesting dividends?

73.5 and still reinvest all.
by joe8d
Mon Jan 04, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4955

Re: Job Prospects for English Majors?

Every decade there are some degrees that are considered "hotter" than others. Here's the truth: The most important part is the work ethic of the student. An English degree should teach the student how to effectively communicate in a broad system of discourse; how to critically engage ques...
by joe8d
Sun Jan 03, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: How many streams of income do you have?
Replies: 60
Views: 5836

Re: How many streams of income do you have?

SS
Pension
P/T job
Investments and savings
by joe8d
Fri Jan 01, 2016 9:56 pm
Forum: Personal Consumer Issues
Topic: Scary Consumer Warnings on New Towels
Replies: 19
Views: 2260

Re: Scary Consumer Warnings on New Towels

livesoft wrote:I'm a professional chemist. I know about dyes, cotton, peroxides, etc. I wash my towels in hot water. And I wash my white T-shirts with my dark blue towels. My T-shirts stay white. How about yours?


Former chemist, do the same, same results.
by joe8d
Wed Dec 30, 2015 8:32 pm
Forum: Personal Consumer Issues
Topic: Who Reads the Comics?
Replies: 44
Views: 1515

Re: Who Reads the Comics?

I learned to read via newspaper comics.It's my first read every day.
by joe8d
Sun Dec 27, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Overtime and taxes clarification
Replies: 13
Views: 995

Re: Overtime and taxes clarification

Is it just being withheld more for end of the year?


Yes.
by joe8d
Thu Dec 24, 2015 10:26 pm
Forum: Personal Consumer Issues
Topic: What is the appropriate tip at Starbucks on Christmas morning?
Replies: 76
Views: 4754

Re: What is the appropriate tip at Starbucks on Christmas morning?

Tomorrow, Christmas Morning,I will have 2 cups of Maxwell House coffee made on my Mr Coffee and a Pasty Heart from my supermarket bakery ( $1.25 ) with no tip required. :happy
by joe8d
Wed Dec 23, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Worn Out Blue Collar Shift Worker
Replies: 18
Views: 3877

Re: Worn Out Blue Collar Shift Worker

Can't take the 12-hour rotating shifts any longer. Old, worn out, beat up, out of shape, and tired. Just responding to say I get it. Though not a shift worker myself, I have read enough about shift work and health to know that rotating shift work is just about the worst invention ever. While some p...
by joe8d
Wed Dec 23, 2015 7:25 pm
Forum: Personal Consumer Issues
Topic: Dress shirts and button-down shirts - budget and quality overview
Replies: 40
Views: 4025

Re: Dress shirts and button-down shirts - budget and quality overview

JC Penny Stafford dress shirts are my favorites
by joe8d
Tue Dec 22, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are you Financially Literate?
Replies: 33
Views: 2845

Re: Are you Financially Literate?

100% :happy
by joe8d
Mon Dec 21, 2015 8:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to Launch Active "Core" Total Bond Fund
Replies: 46
Views: 4211

Re: Vanguard to Launch Active "Core" Total Bond Fund

jhfenton wrote:
greg24 wrote:It will be fun to track how much this trails TBM.

I suspect the debate will be whether its slight outperformance is justified by its increased risk.


:thumbsup
by joe8d
Sun Dec 20, 2015 10:00 pm
Forum: Personal Consumer Issues
Topic: 10% off Target Giftcards Dec. 20 Only
Replies: 4
Views: 1000

Re: 10% off Target Giftcards Dec. 20 Only

Remember if using Target gift cards, you don't get the 5% Target card discount.
by joe8d
Sat Dec 19, 2015 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: How should my daughter invest a $250,000 nest egg?
Replies: 11
Views: 2970

Re: How should my daughter invest a $250,000 nest egg?

Online Savings Account: Ally Bank , Barclay's etc.
by joe8d
Sat Dec 19, 2015 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: holding only S&P 500 in 401K?
Replies: 19
Views: 1642

Re: holding only S&P 500 in 401K?

selftalk wrote:I`d stay with 100% of the S&P 500 at age 33.


:thumbsup
by joe8d
Thu Dec 10, 2015 9:33 pm
Forum: Investing - Theory, News & General
Topic: reducing stocks too much with target date funds?
Replies: 29
Views: 2097

Re: reducing stocks too much with target date funds?

The only fund of funds that I recommend ( and own) for retirement accounts is Life Strategy Growth.
by joe8d
Mon Dec 07, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 20977

Re: ALLY Bank and the new tier announcement

Or will Ally spread it out to where you have to go with the top tier ($25k+) to match the top group of high-yielding savings accounts -


Think that will be the case.
by joe8d
Sun Dec 06, 2015 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30089

Re: Vanguard TurboTax - Not Available 2015?

Everyone should ensure their state does not have direct online filing before paying for it-- my fed taxes are long and obscure, but once I've done them and have all the federal numbers I can file online with MA in minutes. It's disconcertingly easy. And free. Yes and for fellow NYers, we do have th...
by joe8d
Sat Dec 05, 2015 11:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1423
Views: 271513

Re: What Movie Have You Recently Watched?

Brooklyn Delightful story of a young Irish girl who comes to American in the early 1950's to start a new life for herself. Homesickness and adjusting to a new country are difficult but people enter into her life that make profound changes in her circumstances and outlook. Captures the essence of th...
by joe8d
Sat Dec 05, 2015 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: My estranged brother is dead, and I am next of kin
Replies: 72
Views: 14257

Re: My estranged brother is dead, and I am next of kin

I'll know more firmly tomorrow what happened when I talk to the staff at the VA in person. I'm afraid of touching anything that was my brothers before I find out if: a) there is a will leaving stuff to someone else and b) the estate is solvent My brother had a history of burning through money as a ...
by joe8d
Sat Dec 05, 2015 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30089

Re: Vanguard TurboTax - Not Available 2015?

tommoran2 wrote:FreeTaxUSA - http://www.freetaxusa.com/

Fed rtn cost = 0, State (if want) = 12.95.

Includes Sched D and all efiling/printing


Have you used it and if so, how was it?
by joe8d
Fri Dec 04, 2015 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30089

Re: Vanguard TurboTax - Not Available 2015?

To add to my previous post: I am quite familiar with doing my own taxes, so I have to admit that I know what to expect. With both programs I used it is relatively easy to answer an interview question incorrectly and increase the taxes you pay. When I answered a question incorrectly, I could see lat...

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