joelcorley’s Activity

Fri Dec 19

NL

Boards Post

joelcorley replied to the Foolish 401(k)s board. 4:39 PM

Re: How much to save?

SeanTankarian,

You wrote, ... at your age consider having about 15-20% in cash, 25% in precious metals (gold & silver), 25-30% in equities, and about 25% in real estate. ...

I happen to think this is an incredibly [more]

Thu Dec 18

NL

Boards Post

joelcorley replied to the Foolish 401(k)s board. 8:48 PM

Re: How much to save?

bcgorilla,

You wrote, I do have a Roth 401K option, which is what I have historically contributed to until my last Salary bump. I made the changes to lower my taxable income. ...

Unlike Fuskie, I think it's a good idea to [more]

NL

Boards Post

joelcorley replied to the Foolish 401(k)s board. 8:32 PM

Re: How much to save?

neileng,

You wrote, An additional reason why a 401k suffers versus a Roth IRA is the fact that basically you can invest in any equities on the open market where most 401Ks limit you to potentially terrible managed funds with high expenses [more]

NL

Boards Post

joelcorley replied to the Foolish 401(k)s board. 8:22 PM

Re: How much to save?

bcgorilla,

Fuskie wrote, Not sure what a fixed fund is but I agree that you should contribute at least 6% to your 401k to get the free money. Also, the Roth IRA for you and DW is smart. If you like the investment options of your 401k, [more]

NL

Boards Post

joelcorley replied to the Discount Brokers board. 7:25 PM

Re: Etrade unfriendly to foreign residents

hkc94501,

You wrote, This morning Etrade called me to tell me that they are changing their policy about customers with addresses in Japan. ...

It's not just Japan. Recent US laws (in particular FATCA - Foreign Account Tax [more]

Tue Dec 16

NL

Boards Post

joelcorley replied to the Wild's Trailer Park Kingdom board. 4:46 PM

Re: And now the holiday...

wildgirl,

You wrote, I have been not feeling as well as I should be. The medicine I was taking for the tooth has really enraged my insides.
I know if I go see the MD, I will get more medicine, so I am trying to tough it out.
[more]

Fri Dec 12

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 11:41 PM

Re: So...no what?

neveragain,

You wrote, My credit score acc to Discover is 707. ... My husband's score is 760 but my understanding was that it is the lower credit score that leads.

FWIW, this is the reason I never put my ex-(wife at the [more]

Wed Dec 3

NL

Boards Post

joelcorley replied to the Retirement Investing board. 9:18 PM

Re: 401k advice

blueocean,

You wrote, I am concerned about the fact that we are at/near all time high's in the stock market and real estate market (at least in CA) and my instinct is to be conservative but everyone is telling me at my age to be less [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 3:13 PM

Re: Unemployment to Roth Conversion

3Cubs,

You wrote, 1. Transfer my old 401(k) out of the employer's plan to a traditional IRA.

2. Then roll some money from that new traditional IRA to a Roth.

3. I would look at my actual income in 2014 and convert as
[more]

Tue Dec 2

NL

Boards Post

joelcorley replied to the Retirement Investing board. 5:12 PM

Re: New Retirement

Mdlowery,

You wrote, I just retired, have my money in cash...what should I be investing in...give me a few picks?

<sarcasm> Buy stocks. Maybe SPY? And maybe a few bonds. How about BND? </sarcasm>

Wow. [more]

Mon Dec 1

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 4:53 PM

Re: International living and credit

Maraith,

You wrote, He has mutual funds here in the US so maybe those can be taken into account by a potential lender.

Those won't help his credit score. The funds hold assets and don't extend credit. However, the lender may [more]

Tue Nov 25

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 2:50 PM

Re: Poll: Credit Score

vkg,

You wrote, Unlike some jobs, it doesn't prevent someone from being hired as an engineer. A relative has been hired even after a recent bankruptcy.

A finalized bankruptcy kind of puts an end to much of the financial [more]

Mon Nov 24

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 5:25 PM

Re: Poll: Credit Score

Retrograde,

You wrote, I assume that positions where someone may be responsible for significant amounts of money may have a requirement for ongoing monitoring.

Why might a company want to pull a credit report on someone that [more]

Fri Nov 21

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 5:52 PM

Re: Poll: Credit Score

vkg,

You wrote, I consider debit cards too dangerous to use. I hadn't gotten around to making my Debit card an ATM only card. Last week I made a mistake and used it. It will be an ATM card only by Monday.

I would point out [more]

NL

Boards Post

joelcorley replied to the Verizon Communications board. 5:42 PM

Re: Bell Atlantic Certificates

DBrown7,

You wrote, I am assuming the old Bell Atlantic certificates are worthless. Can anyone here confirm that?

Why would they be? Bell Atlantic eventually became Verizon. Unless Bell Atlantic went bankrupt before they [more]

Mon Nov 17

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 5:31 PM

Re: Credit Card debt

cbmc,

You wrote, I have a $14,000 balance at 12.5% interest. My questions is should I sell my long term common stocks to payoff the credit card balance? Or, just keep paying a little over the minimum each month? I am aware of the capital [more]

Thu Nov 13

NL

Boards Post

joelcorley replied to the Retirement Investing board. 5:11 PM

Re: HSA question

marksrjm,

You wrote, I think it depends upon who is covered by your high deductible insurance policy. If that policy is covering only your wife once you are 65, then I would think the single limit applies. If your policy is covering other [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 4:58 PM

Re: HSA question

aj485,

You wrote, Actually, as long as both spouses are 'eligible persons' and covered by an HDHP plan, including a wife who is covered by her husband's HDHP family plan, and vice versa, each can have their own HSA. If covered by family [more]

Tue Nov 11

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 6:10 PM

Re: Identity theft protection

mstrlucky74,

You wrote, I am considering buying into one of these companies...Lifelock etc.
Can anyone recommend one? Thanks


LifeLock? As in NYSE:LOCK? Their business model would seem like it should have huge gross [more]

Thu Nov 6

NL

Boards Post

joelcorley replied to the Retirement Investing board. 7:22 PM

Re: 457(b) Plan?

MetalDecathlete,

You wrote, Wow! The gov't really protects it's own. I would have loved to be able to put in 35k in my 401k given the opportunity. I'm jealous! <g>

After tax 401k contributions?

I work for a [more]

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Boards Stats & Trivia

Big gold star, 5000 posts Old School Fool
Board Posts 6440
Recs Received 13150
People who have rec'd these posts 1412
Recs to Posts Ratio (last 30 days) 3.00
Threads Started 289
Threads Started Percentage 4.49 %
Most Frequent Board Credit Cards and Consumer Debt
Very First Post Re: CE explain microcode vs code morph (11/6/2000)
Percentage of Posts Rec'd 68.46 %
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