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Re: Checking monthly - may not even notice the October "cras

This did not even qualify as a correction (>10% change), let alone a crash. People have short memories of what a real crash is. Agree,,the last Crash=Opportunity was 2007-2009 :happy Actually, it seems to me that people are even forgetting 2011 . The narrative has become crash in 2008-2009, then al...
by Toons
Wed Oct 29, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 41
Views: 2611

Re: "Schwab Intelligent Portfolios"

Ganacel wrote:Would this convince anyone here to open a taxable account/IRA with Schwab (or move their taxable account/IRA from Vanguard to Schwab)?


No thanks :happy
by Toons
Wed Oct 29, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: "Schwab Intelligent Portfolios"
Replies: 24
Views: 1641

Re: What online banks do you like for savings or MMA?

Capital One 360,been with them for over 10 years back when it was ING. Rates could be a little better,but I gave up rate chasing years ago. I have had no problems whatsoever,web interface is easy to navigate. I have been using their checking account feature quite a few years now as a "paperless...
by Toons
Wed Oct 29, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 38
Views: 1788

Re: Christine Benz ,Bogle Interview

Common Sense Talk :happy http://www.morningstar.com/Cover/videoCenter.aspx?id=670432 Hi: For keeping a historical record of conference proceedings we devote a wiki page to interviews and video from the most recent meeting ----> Bogleheads® 13 videos - Bogleheads As more videos are released, the pag...
by Toons
Wed Oct 29, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 4
Views: 699

Re: Checking monthly - may not even notice the October "cras

munemaker wrote:This did not even qualify as a correction (>10% change), let alone a crash.

People have short memories of what a real crash is.


Agree,,the last Crash=Opportunity was 2007-2009 :happy
by Toons
Wed Oct 29, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 41
Views: 2611

Re: Moving 401(k) to IRA

My husband's 401(k) was held at Vanguard. About 2 years ago, the company decided to move everyone's account to Fidelity. I'm not happy!!! He is over 59 1/2. Can't we take his 401(k) and rollover to Vanguard IRA without penalty? He has a mixture of traditional and Roth -- just let it slide over as i...
by Toons
Wed Oct 29, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving 401(k) to IRA
Replies: 6
Views: 416

Re: Using your own equipment on Uverse and Comcast

We only have internet with Comcast. ... Getting much better service, can use all the bells and whistles on our new router and didn't even need to ring Comcast to activate it - all done online. How did you activate the new modem online? You did not have the Internet connection until the new modem wa...
by Toons
Wed Oct 29, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1635

Re: Christine Benz ,Bogle Interview

stemikger wrote:Thanks for posting! I always get inspired by Mr. Bogle and Christine Benz is not that bad on the eyes either. :beer


:sharebeer
by Toons
Wed Oct 29, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 4
Views: 699

Re: A Challenge for Bogleheads - the market has changed

I purchased a rather substantial amount of the S&P index 2 months ago and haven't given it much thought since then.Why worry about what is out of your control,the rollercoaster ride is part of the journey. :happy
by Toons
Wed Oct 29, 2014 9:25 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 43
Views: 3481

Re: You may be getting charged rent for a router/modem you o

I have really had no problems with Comcast other than being dissatisfied with cable tv pricing but there is nothing I can do about that other than cancel so I deal with it.The last couple of years I have gotten a 20.00 per month discount on my bill.After the first year,I walked into the local cable ...
by Toons
Wed Oct 29, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3433

Re: Is a 0.9% wrap fee too high to consider?

I would consider opening a Roth IRA directly with Vanguard therefore eliminating any wrap fees or additional fees whatsoever,waste of money. :happy

Annuities inside a 403b, :shock:

http://www.fool.com/investing/ira/2004/ ... -457b.aspx
by Toons
Tue Oct 28, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 0.9% wrap fee too high to consider?
Replies: 8
Views: 646

Re: Do I need life insurance?

Just one of many threads on the forum relating to "Life Insurance". :happy

viewtopic.php?f=2&t=123528
by Toons
Tue Oct 28, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1259

Re: Checking monthly - may not even notice the October "cras

All the time and energy spent digesting the "noise",,Yawn :sharebeer
by Toons
Tue Oct 28, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 41
Views: 2611

Re: Do I need life insurance?

I would not (and did not) pay for life insurance in your situation. Life insurance is set up so that in the event of your untimely death, your surviving beneficiary will get a payment to help alleviate the loss of your contribution. If you have no dependents or family that is depending on you, the ...
by Toons
Tue Oct 28, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1259

Re: To payoff mortgage or not

keith6014 wrote:Thanks everyone for your advice and comments.

Its finally over! :-)

Now, I need to get started in Taxable account


Kudos! :happy
by Toons
Tue Oct 28, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 64
Views: 3669

Re: Lightweight Electric Blanket.

I purchased the Sunbeam Plush Electric Blanket King Size in the Wal-Mart link below from Sams Club(80.00)..The blanket feels amazing,soft(PLUSH) lightweight.It provides an amazing amount warmth and comfort when the heating elements are not in use.Very pleased with the product and would recommend. Th...
by Toons
Tue Oct 28, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Lightweight Electric Blanket.
Replies: 8
Views: 884

Re: Using your own equipment on Uverse and Comcast

Comcast here.What I did was purchase my own cable modem(Docis 3 technology-enables faster download speeds with Comcast).I then attached my router (below).I have 3 TVS and one box which cost 9.95 per month rental.The other 2 TVs have digital adapters ,which are now necessary to receive a cable signal...
by Toons
Sun Oct 26, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1635

Re: How often do you change your car's oil?

"Stop Changing Your Oil" :happy
"About the only ones that really need a 3,000-mile oil change are the quick-lube outlets and dealership service departments"

http://www.edmunds.com/car-care/stop-ch ... r-oil.html
by Toons
Sun Oct 26, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6078

Re: How often do you change your car's oil?

I take my cars (Honda Accords) to the dealer twice a year (in November to have studded snow tires put on and in April to have them taken off). I have them change the oil at those times (even though I drive much less than 3K miles during those intervals.) Is there a reason you do it at the dealershi...
by Toons
Sun Oct 26, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6078

Re: How often do you change your car's oil?

I take my cars (Honda Accords) to the dealer twice a year (in November to have studded snow tires put on and in April to have them taken off). I have them change the oil at those times (even though I drive much less than 3K miles during those intervals.) +1 :happy I changed oil myself for all my ca...
by Toons
Sun Oct 26, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6078

Re: Store or cut up un-needed credit cards?

Cut,in the trash :happy
by Toons
Sat Oct 25, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2444

Re: The 1 Thing Successful Investors Never Do

Reminds me of what Peter Lynch said when it came to investing:

“The stomach is the key organ here. It’s not the brain.” :happy
by Toons
Fri Oct 24, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 12
Views: 4796

Re: How do you wash your car?

I'm going outside now and wipe down one of my vehicles,,probably wash it later today. :happy
by Toons
Fri Oct 24, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6831

Re: Electronic lock experiences

I am considering the following lock for our home: http://www.amazon.com/Schlage-FE595VCAM619ACC-Camelot-Keypad-Lock/dp/B000NJJ1TY/ref=sr_1_5?ie=UTF8&qid=1414151637&sr=8-5&keywords=electronic+lock Or something similar. We sometimes share the keys with vendors (painters, carpenter, plumbe...
by Toons
Fri Oct 24, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 12
Views: 1164

Re: How often do you change your car's oil?

Once a year or whenever the maintenance minder in the Hondas alerts me,,,its usually between 8-10k for Crv and Fit. :happy
Recently purchased Sprinter 2500 diesel ,once a year or every 15k :happy
by Toons
Fri Oct 24, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6078

Re: Query re Vanguard letter urging brokerage account by Nov

Today during the Bogleheads Conference, we met with some of the people from Vanguard about the new account structure. I explicitly asked them if conversion is manadatory (no) and if mutual fund only accounts would remain available (yes). They said this is being advertised as a convenience factor, b...
by Toons
Thu Oct 23, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10895

Re: VCR Head Cleaning

Atilla wrote:Find the heads so you know where they are. Then use cotton swabs (q-tips) and alcohol. Head cleaners are a joke.



+3 Thats all I ever used(q-tips and alcohol) when I had VCRs,,,years ago.On a sidenote I remember paying 500 bucks for my first one when they first came out :shock:
by Toons
Thu Oct 23, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 13
Views: 1023

Re: Query re Vanguard letter urging brokerage account by Nov

Angst wrote:I'd suggest just giving them a call. It might be easier and more quickly to the point than pursuing this thread.


+1 :happy
by Toons
Thu Oct 23, 2014 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10895

Re: Is Wells Fargo misleading my friend?

Class C share funds,,I have owned them myself many years ago when I was an uninformed investor and relied on a broker. I have no regrets ,It was what I thought was right at the time .Anyway the class C share fund is not advisable for a long term investment,expensive,expensive. :happy " c-share ...
by Toons
Thu Oct 23, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Wells Fargo misleading my friend?
Replies: 21
Views: 2501

Re: Mr. Market turns on Amazon

In 2013, Amazon had 74 billion in Revenue and a net income of only 274 million. Despite this, their stock price went up 58 percent that year. In 2014, Amazon is projected to have about 90 billion in revenue and their share price has dropped about 25 percent. Take the long view,the numbers bode well...
by Toons
Thu Oct 23, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4412

Re: investing during retirment

I take the monthly distribution from Short Term Investment Grade ,and the quarterly ,semi annual distributions from the Star Fund and Lifestrategy Conservative Growth.Some years I take the capital gains from the latter funds ,other years not. :happy
by Toons
Thu Oct 23, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 2032

Re: iPad Air 2 - 16 or 64 Gig?

I find 16 gig to be plenty with a couple tablets I own as I store photos on the cloud,or a computer.Regarding Music,I have found myself moving from playing stored music on a computer hard drive or a tablet to streaming from Amazon Prime Music ,Spotify,Pandora as I am usually around wi-fi :happy
by Toons
Thu Oct 23, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 24
Views: 1755

Re: What is the recommended amount of international holdings

15-20%
Of course many of the companies in the total stock market are "international" :happy
by Toons
Thu Oct 23, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the recommended amount of international holdings?
Replies: 15
Views: 1688

Re: Paying Estimated Taxes

I unexpectedly realized a sizable short term capital gain. I don't know how to pay estimated taxes using my TaxACT software since I already filed this year's tax return and there is no apparent way to pay mid-year estimated tax. Can I avoid a penalty for underpayment with paying tax using alternati...
by Toons
Thu Oct 23, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying Estimated Taxes
Replies: 6
Views: 396

Re: Do you regret buying your home?

No regrets whatsoever in the 3 homes we have purchased in our lifetime. :happy
by Toons
Thu Oct 23, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6765

Re: Do all mutual funds have 12b-1 fees?

He is wrong,wrong,wrong... :happy . "Both load and no-load funds may defray their marketing and distribution expenses—including commissions paid to salespeople—through 12b-1 fees. These fees are included in fund operating expenses, which are deducted from a fund’s returns each year. You can fin...
by Toons
Thu Oct 23, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 3558

Re: Buying a car.

OK, I have a question about buying a "new' car. I put "new" in quotes because I am leaning towards a used vehicle that would be new to me. So here are the questions to pick your brain with. Do you buy vehicles new or used? If used, how old? Is there a way to get the best deal other t...
by Toons
Thu Oct 23, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a car.
Replies: 9
Views: 749

Re: Gross Yearly Income needed in Retirement (Speculation)

anonforthis wrote:Wow, so many people are such spenders. I think 40k after taxes is plenty to do all those things you listed with no debt for us.



+1 In that ballpark :happy
by Toons
Thu Oct 23, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12398

Re: How did you buy your forever home (or larger home)?

Our forever home ,the one we are in now cost less and was less square footage than my prior home.We sold the larger home,paid for the smaller forever home,,and had a few dollars left over after all was said and done.Didn't want a mortgage payment :happy
by Toons
Wed Oct 22, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2645

Re: Just wondering how you personally calculate net worth

Ron Ronnerson wrote:I keep it simple: Assets minus Liabilities = Net Worth



+1 :happy
by Toons
Wed Oct 22, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3711

Re: locating a competent PC repair shop........

jebmke wrote:
Toons wrote:Virus removal is really not that difficult . :happy

Simple re-installation of the OS will cure any virus.


Agree indeed it will.Fortunately I have been able to remove many a virus for others, without re-installing a their OS>
by Toons
Wed Oct 22, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 805
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