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Re: Tax Preparation Cost

Last year I paid 7.95 using TaxAct,to file Federal.I filed my state income tax at the State website. K-1 is really not "that" complicated and TaxAct software can handle them. :happy 900 for tax returns?Haven't paid that for years worth of tax returns,even when I had K-1's for limited partn...
by Toons
Thu Sep 18, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Preparation Cost
Replies: 19
Views: 814

Re: One unexpected benefit of buying electronics on Amazon

Every online purchase I make includes a receipt being sent to my email address. Not seeing how this seems to be an Amazon benefit over other retailers. The difference is that my Amazon account has COMPLETE records going back to my first purchase from them in 1997. My email archive is not so robust....
by Toons
Thu Sep 18, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: One unexpected benefit of buying electronics on Amazon
Replies: 11
Views: 1334

Re: Random Contributions

"After you contribute this amount, do you ever have urges to contribute more?"

When I was in the accumulation stage,without a doubt YES I had urges to purchase more and I did.Whatever I could come up with via budgeting and saving I would send it off to one of my mutual funds. :happy
by Toons
Wed Sep 17, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Random Contributions
Replies: 12
Views: 804

Re: How do you store your electronic account statements?

I have been "paperless "for years.I have never downloaded statements and stored them digitally from financial websites.I have found that I rarely need to look at them other than at tax time,so I just access them at the website. :happy
Keep it Simple
by Toons
Wed Sep 17, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you store your electronic account statements?
Replies: 24
Views: 1534

Re: Holding Cash because Tried to time Market

Hi, In 2008, I pulled my 401(k) out of the stock market, after listening to some gloom and doom forecasts from close friends in the federal government. I then went through a nasty separation and divorce which took over 5 years and prevented me from investing any cash earned or changing my investmen...
by Toons
Wed Sep 17, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 75
Views: 5022

Re: Why Invest in Bonds in your early 30s?

Bonds in early thirties? Speaking for myself,I didn't and if I had to do it over again I wouldn't change a thing.I stayed fully invested in equity funds for 25 years.
75/25 stock ,bond now.I am 63 :happy
by Toons
Wed Sep 17, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3351

Re: The boglehead way to buy furniture

We have furniture from Wal-Mart,Lowes,Sams Club in hour house,it works for us :happy
by Toons
Tue Sep 16, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 54
Views: 4019

Re: Financial Psychology - Mind Over Money

Does it really have to be this "complicated"?
Why not just Save,then Invest as much and as often as you can in index funds ,Ignore the market.
The rest will take care of itself. :happy
by Toons
Tue Sep 16, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 78
Views: 3368

Re: Any success stories of ppl who never made >$50,000?

Yes,It CAN be done Live beneath your means,for decades Separate wants ,from needs Budget ,budget,budget with software and STICK to it Avoid ANY kind of debt(Pay yourself interest,not someone else) other than a house. buy used cars when starting out If you are going to work for a company ,try to fin...
by Toons
Tue Sep 16, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9353

Re: Looking to park some Emergency Fund

Vanguard Short Term Investment Grade(VFSTX)
Fidelity Limited Term Bond Fund(FJRLX)
:happy
by Toons
Tue Sep 16, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to park some Emergency Fund
Replies: 9
Views: 594

Re: Any success stories of ppl who never made >$50,000?

Yes,It CAN be done Live beneath your means,for decades Separate wants ,from needs Budget ,budget,budget with software and STICK to it Avoid ANY kind of debt(Pay yourself interest,not someone else) other than a house. buy used cars when starting out If you are going to work for a company ,try to find...
by Toons
Tue Sep 16, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9353

Re: Individual Stocks

Once I had established a diversified portfolio of mutual funds,and that amount exceeded 100k,then I bought a handful of equities(Msft,KO,Wmt,Dis,Mcd,Px,D) with the plan of holding them for decades.That is the way I would approach it,mutual funds first. :happy
by Toons
Tue Sep 16, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 29
Views: 1838

Re: Hamilton watches, worth the money?

IMHO, no watch (including a $10 Casio) is worth the money, assuming you carry a cell phone- it's just redundant, uncomfortable, and another thing you have to care for. Your cell phone is far more versatile and you will become less time-addicted. Lots of things are redundant. Underwear is redundant ...
by Toons
Mon Sep 15, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 211
Views: 6749

Re: Student loan overpayment. How do I calculate payoff per

Will this student loan calculator help? :happy
Make sure you show amortization table :happy

http://www.bankrate.com/calculators/col ... lator.aspx
by Toons
Mon Sep 15, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan overpayment. How do I calculate payoff period?
Replies: 18
Views: 970

Re: Dave Ramsey: The Legacy Journey

Mike Scott wrote:It seems that he has moved towards selling more stuff/services (besides his books). Which is too bad because he has helped a lot of people get out of their financial messes.


+1 :happy
by Toons
Mon Sep 15, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 21
Views: 2983

Re: Hamilton watches, worth the money?

So anyway I am traveling for a few weeks and I forgot and left my durable "G-Shock" that so far can withstand all the hard knocks I give it. I stopped by Wal-Mart and picked up a 10.00 watch day 2 days ago. The weather is somewhat hot and humid today at my location,looked at the watch and ...
by Toons
Mon Sep 15, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 211
Views: 6749

Re: Dave Ramsey: The Legacy Journey

I recently attended one of Dave Ramsey's live events. I'd like to share my experience in case someone is contemplating going: Light on content, but heavy on solicitation & marketing. Overall somewhat entertaining and funny. Both Dave and his daughter shared maybe 5-6 main content points each. T...
by Toons
Mon Sep 15, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 21
Views: 2983

Re: Need advice on which tablet to buy

Owned several tablets,Andoroid. For the price point and functionality that it gives me I have really enjoyed the
Google Nexus Tablet.Would purchase another one in a heartbeat if I needed one. :happy
by Toons
Fri Sep 12, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2462

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Right Now I am in Croatan National Forest.It is clean,quiet,safe,cheap(6 bucks a night with Senior Pass).I might be here a few more days, :happy
by Toons
Fri Sep 12, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5556

Re: Costco vs Amazon?

Sams club member here,no Costco Available.I am always using the Amazon app to scan items before purchase when visiting Sams,,,Many times,,especially when it comes to electronics,Amazon has the better price.
:happy
by Toons
Thu Sep 11, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4437

Re: Vangaurd STAR

Years ago when I paid the mortgage off I immediately started investing the hypothetical mortgage payment in the Star Fund.If I was in front of Quicken right now I could be exact with the numbers. I will say that it has compounded its way to a rather substantial sum for me in my taxable account.(Very...
by Toons
Wed Sep 10, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1915

Re: Should anyone invest in short-term bonds at this point?

Vanguard Short Term Investment Grade & Total Bond ,,here.I don't pay any attention to the interest rate noise that is in the news,,I just invest
:happy
by Toons
Tue Sep 09, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Should anyone invest in short-term bonds at this point?
Replies: 46
Views: 3759

Re: Peter Lynch was wrong

How bout an article on "Who was Right? :sharebeer
by Toons
Tue Sep 09, 2014 6:41 am
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6032

Re: Cruise Around the World

This is an older thread regarding cruises,but not targeting an Around the World Cruise. :happy

viewtopic.php?f=11&t=107662&p=1564265
by Toons
Tue Sep 09, 2014 6:39 am
 
Forum: Personal Consumer Issues
Topic: Cruise Around the World
Replies: 14
Views: 1397

Re: [Helping someone] think like a rich person

Good Advice. :happy
Live beneath your means for decades,Stay away from debt, Save,,,and INVEST :happy
by Toons
Mon Sep 08, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4147

Re: Peter Lynch was wrong

Hindsight bias is always 20/20,but at the time Peter Lynch was "right" for his shareholders. :happy "Peter Lynch managed the Fidelity Magellan Fund from 1977 to 1990, during which time the fund\'s assets grew from $20 million to $14 billion. More importantly, Lynch reportedly beat the...
by Toons
Mon Sep 08, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6032

Re: How often do you really change your email passwords?

Never,
I let LastPass choose them for me,,and I go with it :happy

Simplify Your Life
https://lastpass.com/
by Toons
Mon Sep 08, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: How often do you really change your email passwords?
Replies: 17
Views: 692

Re: Auto off-lease: Take an auto loan at 2.49% or buy outrig

For 2.49%? Don't overthink it ,pay cash :happy
by Toons
Sat Sep 06, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto off-lease: Take an auto loan at 2.49% or buy outright?
Replies: 13
Views: 1243

Re: Q for those of you over 59.5 YO and a Roth IRA

I am 63 and am continuing to have dividends and capital gains revinvested in Mutual funds that are held in All retirement accounts,,,Roth,Regular Ira,401k
by Toons
Sat Sep 06, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q for those of you over 59.5 YO and a Roth IRA
Replies: 11
Views: 1183

Re: Rebalancing a 3 fund portfolio

Looking for a good book to read? Start with: "The Only Investement Guide You"ll Ever Need -Andrew Tobias You can read a some of the pages at Google Books,Most libraries have a copy . :happy http://books.google.com/books?id=3qqBf8TuTu8C&printsec=frontcover&dq=andrew+tobias&hl=en...
by Toons
Sat Sep 06, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing a 3 fund portfolio
Replies: 21
Views: 1953

Re: Vanguard Lost $50k

Missing 50k? I'd be packing a bag now and taking a drive to 100 Vanguard Drive,Malvern Pa. :happy
by Toons
Sat Sep 06, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: So, when does a market timer get back in?

bertilak wrote:
Toons wrote:There is a bell that goes off when the market hits a top and there is a bell that goes off when it hits bottom,you have to pay close attention or you will miss it,,, :happy

I just look for the blood in the streets. Still not sure how deep it needs to be. :twisted:


+1 :happy
by Toons
Sat Sep 06, 2014 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5500

Re: Drawing down a windfall...

You are spending too much money.
Ask yourself this question,Do I need it or do I want it
Develop a budget,look at what goes in and what goes out, Stop Spending Money Frivolously.
by Toons
Sat Sep 06, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4072

Re: Vanguard Healthcare Fund [Portfolio help]

From the Vanguard website "Returns may vary widely from year to year, so this fund should be considered complementary to an already diversified portfolio with a long-term time horizon." Taking that into account and you are ALREADY diversified,I wouldn't rule out purchasing the fund for a l...
by Toons
Fri Sep 05, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund [Portfolio help]
Replies: 12
Views: 945

Re: Peter Lynch was wrong

My gosh, you have to give Peter Lynch more credit than that. He certainly didn't say, gee whiz, this store at the mall looks crowded let's buy some stock. I think what he was saying that the products, services, companies, etc. that you come across every day can be fertile ground for good stock idea...
by Toons
Fri Sep 05, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6032

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Wellesley/Lifestrategy Moderate Growth in Retirement Accounts here :happy
by Toons
Fri Sep 05, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5371

Re: Speeding in CT with NY license

Pay the fine ,move on :happy
by Toons
Fri Sep 05, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Speeding in CT with NY license
Replies: 14
Views: 1226

Re: making extra payments on mortgage vs 529 plans

John ,plug your numbers into the amortization table below and look at the interest you will be paying on your current balance,it might help you make a decision as to whether or not you want to pay down mortgage and get a guaranteed 3.875 return on your money or invest in 529. :happy Looks like aroun...
by Toons
Fri Sep 05, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: making extra payments on mortgage vs 529 plans
Replies: 6
Views: 827

Re: Retiree Investor Needs Advice

I am 68 years old and have two(2) 401K accounts. Would like to roll them over into a diversified IRA or Brokerage Account with moderate risk. We will not need any income from this account to live on. Can someone advise on the best place to invest? "Moderate Risk"? Look no further,,,,Vangu...
by Toons
Fri Sep 05, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Investor Needs Advice
Replies: 28
Views: 1604

Re: Markets defy experts

Ah,the Majesty of Compounding.Stay the course ,,for life. :happy
by Toons
Fri Sep 05, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Markets defy experts
Replies: 20
Views: 2419

Re: Warning level

Never Noticed It :happy
by Toons
Fri Sep 05, 2014 11:51 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2256

Re: Pre paying insurance premiums

Annually indeed :happy
by Toons
Thu Sep 04, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pre paying insurance premiums
Replies: 10
Views: 454
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