joelcorley’s Activity

Today

NL

Boards Post

joelcorley replied to the Bonds & Fixed Income Investments board. 2 hours ago

Re: Should I pay off mortgage?

OCD:

I wrote, ...an investment poll(sic)...

I meant pool...

- Joel

NL

Boards Post

joelcorley replied to the Bonds & Fixed Income Investments board. 2 hours ago

Re: Should I pay off mortgage?

mday1,

You wrote, I'd prefer to pay off the loan myself, but not because of the rate of return you'd have to get in order to make the payment. It would be to reduce risk. If you have a job loss, injury, etc., having a paid for house to [more]

Mon Apr 11

NL

Boards Post

joelcorley replied to the Retirement Investing board. 10:34 PM

Re: Where do you park your E-fund?

Rayvt,

You wrote, You've never worked for a defense contractor, have you.

Nope. Never have and never will.

My brother and I both got into computers when we were young (early '80s). He went defense, I went private [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 8:34 PM

Re: Where do you park your E-fund?

TheBreeze,

You wrote, I also had about $3000 in savings bonds. I accumulated most of those back when companies really pressured you to buy via payroll deduction (along with donating "your fair share" to the United [more]

NL

Boards Post

joelcorley replied to the Discount Brokers board. 3:42 PM

Re: Five Rings Financial

hotpepperaddict,

You wrote, My question is - Has anyone heard of five rings financial?

...

I've gone to their website http://fiveringsfinancial.com/ and looked all over. They
[more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 2:59 PM

Re: Where do you park your E-fund?

PSUEngineer,

You wrote, 5 year CDs at my credit union are 1.75%.

Not bad, given today's interest rate environment. Of course Ally is paying 2.00% on 5 year CDs.

I've just been reluctant to lock much of my cash up [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 4:02 AM

Re: Where do you park your E-fund?

syke6,

You wrote, Checking account. E-fund is about 1.5 months of expenses. No intention of it ever being larger than that.

I'm sitting on about 21 month's worth of expenses in cash reserves. That's if you don't also include [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 3:51 AM

Re: Where do you park your E-fund?

JonathanRoth,

You wrote, We're slightly ahead in life, we're building our 4-5 year retirement cash bucket, mid-six figures. Mostly it's in a FDIC insured checking/savings accounts drawing 0.01%, a little in a short term CD earning @ [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 3:43 AM

Re: Where do you park your E-fund?

danbobtx,

You wrote, Anyone want to share what they are doing?

Most of my efund is sitting in an Ally savings account right now. FDIC insured, pays 1.00% APY. I've held CDs there when it was worth it, but rates are not what [more]

Sun Apr 10

NL

Boards Post

joelcorley replied to the Tax Strategies board. 8:18 PM

Re: Selling shares bought over time

CMF-mazske,

You wrote, My wife works for a company where she can buy fractional shares on a regular basis out of her paycheck.

More than likely you are describing an ESPP - Employee Stock Purchase Plan. ESPPs can be either [more]

Tue Apr 5

NL

Boards Post

joelcorley replied to the Tax Strategies board. 11:27 PM

Re: house sale and income tax

salaryguru,

You wrote, ... his union medical benefit is about the best insurance I have ever heard of anyone having.

I'm skeptical. When I came to work for Microsoft in 2012 the insurance plan covered literally 100% of [more]

Mon Apr 4

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 8:25 PM

Re: Haven't Posted In Forever...

exeter17,

You wrote, ndeed. My 810 and 815 do not get me free drinks, cute girls or anything I didn't get when I was 750

Wait! What?! You got free drinks AND cute girls when your score got to 750?!!!

- Joel

NL

Boards Post

joelcorley replied to the Retirement Investing board. 4:53 PM

Re: Best Strategy for Late Starter

pauleckler,

You wrote, Good thinking, joel. Thanks for your comments.

Don't be too quick to complement me. I made a serious mistake in the data I gave FireCalc. The analysis was only for 23 years, but should have been for 37. [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 3:06 PM

Re: Best Strategy for Late Starter

pauleckler,

You wrote, Note that if you are able to invest an additional $10K every year for those 14 years, the numbers change significantly. That gives you $140K in savings with the first year becoming $40K, the second year a bit less, [more]

Thu Mar 31

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 8:21 PM

Re: Haven't Posted In Forever...

Milligram46,

You wrote, FICO 796. So close to the mythical 800+ and I know I'll get there I believe next month.

Not mythical. I can attest. :-)

Not that getting more than about a 780 gets you any better [more]

NL

Boards Post

joelcorley replied to the Tax Strategies board. 3:04 PM

Re: Trust - No K-1, Just Grantor tax info letter

Anaerobe,

You wrote, Is it possible you can download the K-1 from her account login? If not, I would ask specifically for the K-1 to be mailed.

Or has something changed... perhaps she didn't receive a distribution this year, as
[more]

Wed Mar 30

NL

Boards Post

joelcorley replied to the Retirement Investing board. 8:16 PM

Re: Just curious .. anyone interested

goofnoff,

You wrote, My link is hosting the board you are posting on. If you have a problem with your host take it up with them. You did know this is the Motley Fool website?

Where have you been posting? Cynicism of TMF, [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 8:05 PM

Re: Just curious .. anyone interested

Rayvt,

You wrote, Another worse case would be if the stock dropped to 85 and then climbed back to 100. The buy would have filled at 90, and I'd have $10 gain. The put wouldn't have gotten exercised, so I'd not get the stock and thus would [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 7:02 PM

Re: Annuity or Not to Annuity

danbobtx,

You wrote, One of the other things an umbrella policy - it essentially comes with the insurance companies legal team attached to it. Obviously, if you are malicious or in direct violation of a policy term (e.g. commission of a [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 4:50 PM

Re: Annuity or Not to Annuity

PSUEngineer,

You wrote, I'm no expert in this field but I would think there is some correlation between the amount of protection and amount of assets. A person plows into a car full of doctors and business executives on their way to the [more]

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