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Re: Was ready to pull plug on Janus..until

Can someone explain how the 2008 crash did not really hurt me with 100% in Janus stock funds..meaning today I'm still better off than I would have been with an allocation of bonds. Is it because it was just a 1 year event and a quick recovery? What's to explain? Stocks have fully recovered and then...
by Toons
Wed Jul 30, 2014 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 62
Views: 2965

Re: Florida Retirement Communities advice/thoughts

Met more than a few "halfbacks" as they call them in Tennessee,those that retire to Florida then move "up" to the hills of Tennessee,for more moderate climate. :happy
by Toons
Wed Jul 30, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 24
Views: 2540

Re: Where to place 2nd tier emergency fund

Checking account,Vanguard Short Term Investment Grade,Vanguard Intermediate Term Tax Exempt in that order :happy
by Toons
Wed Jul 30, 2014 7:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to place 2nd tier emergency fund
Replies: 16
Views: 1324

Re: What is it like to live in Charlottesville, VA?

One of the nicest areas to live in the country :happy
by Toons
Tue Jul 29, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 20
Views: 1730

Re: Was ready to pull plug on Janus..until

Still have monies invested in Janus Balanced Fund (Jabax),have no plans whatsoever of liquidating,owned it for 15 years and still invest in it. :happy
by Toons
Tue Jul 29, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 62
Views: 2965

Re: Why should stocks go up over the long term?

Stock market prices grow in relation to corporate profits. Sentiment swings distort this profit growth--higher prices for a dollar of earnings sometimes, lower prices other times--but eventually markets always come back to earnings which tend to grow over time. What makes earnings grow? Population ...
by Toons
Mon Jul 28, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why should stocks go up over the long term?
Replies: 34
Views: 2552

Re: Investing a windfall in todays market

Dollar cost averaging into a Lifestrategy fund is an idea that I have been entertaining.

Great Idea :happy

https://personal.vanguard.com/us/funds/ ... IntExt=INT
by Toons
Mon Jul 28, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing a windfall in todays market
Replies: 4
Views: 927

Re: Do any boggleheads invest in individual companies?

Msft,Ko,Mcd,Wmt,Px - owned for 20 years, Dominion Resources 5 years, no plans to sell any of them. :happy
by Toons
Mon Jul 28, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 77
Views: 3820

Re: Do Bogleheads Feel Wealthier?

My needs are met. :happy :happy
by Toons
Mon Jul 28, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4294

Re: 36 percent decline in net worth

HardKnocker wrote:From 2008 to 2014 is just a eyeblink in time.



+1 Exactly,,,,,its the length of time for many car payment schedules.72 months :happy
by Toons
Sun Jul 27, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: 36 percent decline in net worth
Replies: 38
Views: 5731

Re: Rather be Home, Rather be at Work

midareff wrote:
Toons wrote:Work or home?Hmmm,let me think.I slept till 10am this morning, what day is it anyway?Done thinking ,I'm retired,home sweet home



+1 LOL, It wasn't 10 AM but it may have been 8 AM. Was this a real question?

:sharebeer
by Toons
Sat Jul 26, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 19
Views: 1885

Re: Help me save my parents from Merrill Lynch

What will be will be,you have presented the information to your parents.Let them think about and make their own decision as to what to do,it is their money. :happy
by Toons
Sat Jul 26, 2014 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 31
Views: 3695

Re: A.C or No A.C?

"Check the humidity levels in the rooms where you have your hardwood floors installed using a humidistat or a hydrometer" :happy .

http://www.armstrong.com/flooring-blog/ ... -humidity/
by Toons
Sat Jul 26, 2014 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: A.C or No A.C?
Replies: 12
Views: 847

Re: Where should I open a Solo 401k account?

Vanguard or Fidelity
by Toons
Sat Jul 26, 2014 12:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should I open a Solo 401k account?
Replies: 18
Views: 1192

Re: Please recommend a low fee index fund with no min. inves

:wink:
BL wrote:The Target Retirement funds at Vanguard have a $1,000 minimum, as does the active balanced Star account. Then add in $100 increments.


+1 :happy
by Toons
Sat Jul 26, 2014 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Please recommend a low fee index fund with no min. invest.
Replies: 15
Views: 1485

Re: Wall Street Journal Subscription Increase

Haven't missed the journal in 10 years :happy
by Toons
Fri Jul 25, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 24
Views: 1362

Re: PNC (service charge, free checking)

I recall opening a "free"checking account with Suntrust a few years back,then shortly thereafter I received notice it would remain "free" with no monthly service charge if maintained a 500.00 balance,,so that is what I do.It looks like the same parameters now at PNC,500 minimum t...
by Toons
Fri Jul 25, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 1131

Re: Rather be Home, Rather be at Work

Work or home?Hmmm,let me think.I slept till 10am this morning, what day is it anyway?Done thinking ,I'm retired,home sweet home
by Toons
Fri Jul 25, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 19
Views: 1885

Re: Rules of thumb that shouldn't be

"401ks can have much lower expense ratios than IRAs by virtue of having access to institutional mutual funds (ie Fidelity Advantage, Fidelity Spartan Institutional, Vanguard Admiral/Signal/Institutional)" :happy +! :happy Exactly On a side note ,I am expecting a call from a Fidelity Rep to...
by Toons
Fri Jul 25, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Rules of thumb that shouldn't be
Replies: 39
Views: 4055

Re: Advice for Mother in law

My mother in law is in her mid 50's and has not had a great opportunity to build up her own personal retirement plan. What would be some good investments to help her at least have something when she goes to retire? what are some steps she should take? Her expenses are low at this time and she has a...
by Toons
Fri Jul 25, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for Mother in law
Replies: 9
Views: 814

Re: debt advice needed for family

I can only speak for myself as to what I did many years ago.I stopped investing and aggressively focused on paying off our mortgage(took about 18 months).Once completed I resumed investing as before and continued investing the "hypothetical "mortgage payment in a Vanguard mutual fund .All ...
by Toons
Fri Jul 25, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: debt advice needed for family
Replies: 10
Views: 1339

Re: Best way to reach initial allocation in a bull market?

When pursuing a relatively high-risk, high-reward strategy (mostly stocks with tilt), is it worth being cautious and delaying your equity contribution (either altogether or putting more in bonds) until the market comes down a little? Right now index's like Small Value, REITs and other US stock mark...
by Toons
Fri Jul 25, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Best way to reach initial allocation in a bull market?
Replies: 28
Views: 2483

Re: Mutual fund account with Vanguard or MerrillEdge?

Vanguard.
Low costs over decades compounds in YOUR account.
Keep It Simple, :happy
by Toons
Thu Jul 24, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 31
Views: 1226

Re: Advice wanted on first computer purchase since 1982!

MacBook Pro
15-inch: 2.3GHz with Retina display,You Only Live Once :happy

http://store.apple.com/us/buy-mac/macbook-pro
by Toons
Thu Jul 24, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 105
Views: 5256

Re: Bonds beat stocks over the last 15 years

Robert T wrote: The equity premium can be negative for long periods of time (as can the value, size, and I would argue, momentum premium). The benefit from exposure to these factors comes from long-term discipline to stay the course. 1+ Very well put. That 15 year period includes on the equity side...
by Toons
Thu Jul 24, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds beat stocks over the last 15 years
Replies: 93
Views: 7615

Re: Conservative Assumptions For Retirement Calculators

I can recall pre-retirement running calculations,assumptions,safe withdrawal rates etc.
Over 3 years in now I find myself looking at "what comes in"(SS,Pension,Dividends,cap gains,etc.) and spend accordingly.
So far so good. :happy
by Toons
Thu Jul 24, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative Assumptions For Retirement Calculators
Replies: 13
Views: 1282

Re: Anyone used Vanguard electronic money transfer

Since 1999 I believe all transactions electronic ,I can't recall mailing a check :happy
Can't imagine doing it any other way. :happy
by Toons
Thu Jul 24, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone used Vanguard electronic money transfer
Replies: 20
Views: 1467

Re: Switch car insurance? State Farm vs GEICO

Just wanted to pass on how this ended. I switched to geico. Geico offered me (compared to state farm) higher coverage, lower deductibles, first accident forgiveness for $266/6 months. State farm's best price, for lesser coverage was $389. Seemed like a no brainer to switch except local SF agent pla...
by Toons
Thu Jul 24, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 3593

Re: 500K Sitting in a Bank Account

When considering "pinching" some for Vanguard Prime Money Fund,,,give it careful consideration. Given the current yield and after taxes,you effectively losing money to inflation,just sayin :happy 1yr 3yr 5yr 10yr Prime Money Mkt Fund 0.02% 0.03% 0.05% 1.70% https://personal.vanguard.com/us...
by Toons
Thu Jul 24, 2014 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500K Sitting in a Bank Account
Replies: 17
Views: 1584

Re: Bonds beat stocks over the last 15 years

The last 5 years?
10 years?
20 years?
50 years?
Just keep on keeping on,,unwavering,as long as you have enough capital outlay for capital expenses,invest you must :happy
by Toons
Thu Jul 24, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds beat stocks over the last 15 years
Replies: 93
Views: 7615

Re: Will not using my dishwasher cause problems?

abuss368 wrote:
Toons wrote:I turn the dishwasher on,then go sit down and peruse the Boglehead site. :sharebeer


Priceless.


:sharebeer
by Toons
Thu Jul 24, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1986

Re: Where is your brokerage account?

Vanguard :happy
by Toons
Thu Jul 24, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2596

Re: Will not using my dishwasher cause problems?

I turn the dishwasher on,then go sit down and peruse the Boglehead site. :sharebeer
by Toons
Thu Jul 24, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1986

Re: Buying a car- 2011 Lexus IS 250 9k miles

Can you afford it? :happy
by Toons
Thu Jul 24, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Buying a car- 2011 Lexus IS 250 9k miles
Replies: 27
Views: 2038

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

Crimsontide wrote:Has there ever, in the history of mankind, been a more successful undertaking than the automobile marketing machine ???


+1Excellent question :happy
by Toons
Thu Jul 24, 2014 7:49 am
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 48
Views: 3066

Re: fidelity bond fund vs vanguard bond fund

Yes use FXSTX-
I use VBMPX :happy
by Toons
Wed Jul 23, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: fidelity bond fund vs vanguard bond fund
Replies: 6
Views: 698

Re: Cheap auto loan suggestions?

0% or pay cash,enjoy your car :happy
by Toons
Wed Jul 23, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cheap auto loan suggestions?
Replies: 12
Views: 659

Re: Please help settle an argument

Definitively all I know for Certain is if I take out a loan between 3-5% I will be paying interest to someone else,other than myself,there by fattening their pocketbook. :happy If I invest the cash in the S&P 500 I do NOT know for certain If I will come out ahead. :happy Part B,I read and reread...
by Toons
Wed Jul 23, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 1949

Re: years of investing and balances

I'm a new investor and starting very late ( 38 yrs) Just curious to know what ages did y'all start investing and how many years did it take for you to get to your 1st million. Seems like its going to take me forever... Just stay out of debt, keep saving,saving,investing ,investing,reinvesting is th...
by Toons
Wed Jul 23, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 23
Views: 1940

Re: Will not using my dishwasher cause problems?

We use ours about every other day. :happy "Also keep in mind, washing dishes by hand uses much more water than using a dishwashers. Using an ENERGY STAR qualified dishwashers instead of hand washing will save you annually 5,000 gallons of water, $40 in utility costs, and 230 hours of your time ...
by Toons
Wed Jul 23, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1986

Re: Help me choose a new tv

4strings wrote:anything other than a Samsung, you'd be doing yourself a disservice.


+1 :happy

Image
by Toons
Wed Jul 23, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1700

Re: Should I Buy a Home Warranty

Owned homes for 45 years never purchased a home warranty,,never would :happy

http://www.clarkhoward.com/news/clark-h ... ten/nDYMR/
by Toons
Wed Jul 23, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 19
Views: 1338

Re: VG Admiral Fund-falling below minimum investment

I'm curious if anyone has experience with opening a Vanguard Admiral fund with a $10k minimum and then over time bouncing down to, say, $8k before bouncing back up to over $10k. Are they pretty strict about the minimum and will quickly drop you from Admiral to Investor shares? Or are they pretty la...
by Toons
Wed Jul 23, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3323
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