joelcorley’s Activity

Today

NL

Boards Post

joelcorley replied to the Tax Strategies board. 4:13 PM

Re: Defined contribution limits

Bob78164,

You wrote, Ms. 63 is a public school teacher who has available to her both a 403(b) plan and a 457(b) plan. She has been older than 50 since before 2015. In 2016, she plans to contribute $24,000 to the 403(b) plan and another [more]

NL

Boards Post

joelcorley replied to the Retirement Investing board. 3:12 PM

Re: Annuity question

Carpian,

You wrote, What I will care about is how much money I have while living, and 4.25% beats 4.0%

I'm very curious where you got a quote with an initial 4.25% payout. This is CPI-U adjusted? That seems a little high [more]

Tue May 24

NL

Boards Post

joelcorley replied to the Retirement Investing board. 2:28 AM

Re: My retirement portfolio is dwindling

Jeanwa,

You wrote, I've just never been all that lucky.

====================

You found AJ, right?


True. Or more precisely, she found me. ;-)

And thinking about it, I'm probably not considering some [more]

Mon May 23

NL

Boards Post

joelcorley replied to the Retirement Investing board. 6:33 PM

Re: My retirement portfolio is dwindling

JAFO31,

You wrote, Regards, JAFO
(who could probably never retire if he needed a portfolio equal to 100x of annual living expenses, getting to 25x is hard enough and aiming for more like 33.3x and a 3% SWR)


Perhaps this [more]

NL

Boards Post

joelcorley replied to the Foolish 401(k)s board. 6:07 PM

Re: New Employer - No Matching Funds

LLeone,

You wrote, I started a new job nearly 2 months ago. I am in the same industry I've been in for 10 years, just switched to working for another company. I went from a company of 6 people to a company of about 25 people. My new [more]

Mon May 16

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 5:07 PM

Re: Preventing Credit Card Fraud at Gas Stations

CMFCochrane,

You wrote, Keep monitoring your accounts religiously and immediately report suspicious activity. That is the single most important thing a person can do to protect themselves from permanent monetary loss after an account of [more]

Fri May 13

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 6:30 PM

Re: Collection for a paid debt

jeffbrig,

You wrote, Any tips or suggestions welcome. Just trying to figure out the best way to make this go away.

I'd send them a demand letter asking for proof of an obligation. Also if you have cancelled check images [more]

NL

Boards Post

joelcorley replied to the Credit Cards and Consumer Debt board. 4:58 PM

Re: Chip+PIN for Debit Cards at Walmart?

jeffbrig,

You wrote, The new Target RedCard (5% discount on store purchases), requires chip + pin. No signature. It's a classic 2 factor authentication: something you have + something you know. Prevents someone from using a stolen card, [more]

Wed May 11

NL

Boards Post

joelcorley replied to the Retirement Investing board. 6:06 PM

Re: Recalculating SWR?

intercst,

I thought I'd throw out some numbers using FireCalc ...

You wrote, Let's say you settle on 20 years. For a 20 year payout, I'd use 4.75% to 5.00%.

First, I tend to shoot for the 90'th percentile, which [more]

Tue May 10

NL

Boards Post

joelcorley replied to the Discount Brokers board. 8:40 PM

Re: Alternative Brokerages

NCMeatyFool,

You wrote, At the risk of asking a really stupid question - did you perform this search in the main search box (top right) or is there a way to search just the discussion boards that has eluded me thus far?

Do [more]

Fri May 6

NL

Boards Post

joelcorley replied to the Index Funds board. 9:58 PM

Re: Investing like Warren Buffett

coolprash,

You wrote, ETFs have trading fees, that aren't shown in that expense ratio.

When using mutual funds, like those from Vanguard, one doesn't pay those, so lower costs.


Not necessarily true. Major online [more]

Fri Apr 29

NL

Boards Post

joelcorley replied to the Bonds & Fixed Income Investments board. 9:34 PM

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. 9:08 PM

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]

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Big gold star, 5000 posts Old School Fool
Board Posts 6715
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