Search found 6496 matches

by Toons
Thu Jul 30, 2015 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Big mistake
Replies: 10
Views: 1158

Re: Big mistake

"Personally If I'm maxing out my retirement accounts and my biggest problem is my tax bill and how I could have optimized it for a an extra few hundred dollars that year then I'm doing pretty good in life."


Very Well Said :thumbsup
by Toons
Thu Jul 30, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend reinvestment at RMD Stage
Replies: 2
Views: 185

Re: Dividend reinvestment at RMD Stage

I would say that the disadvantages of dividend reinvesting are primarily in taxable accounts. If you pay noticeable commissions in your TIRA when you sell to take RMDs then this would also be an argument for not reinvesting dividends. If none of these apply, then I would say it makes no difference....
by Toons
Thu Jul 30, 2015 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Sell American Funds?
Replies: 5
Views: 208

Re: Sell American Funds?

I am a Vanguard investor since 1998.
I still own Investment Company Of America(Aivsx)
and Capital Income Builder (Caibx),both of which were purchased many years ago in a brokerage account prior to Vanguard investing.
I have no plans to sell them :happy
by Toons
Thu Jul 30, 2015 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: capital one 360
Replies: 9
Views: 534

Re: capital one 360

I've been with Capital One since 2004 when ING direct was the provider. I use both savings and checking accounts. Customer service is excellent ,website easy to naviagte. I have no complaints. I guess you could say that one caveat is their rates aren't the highest,but I gave up rate chasing years ag...
by Toons
Thu Jul 30, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Homeowners insurance rate goes up after a claim?
Replies: 1
Views: 128

Re: Homeowners insurance rate goes up after a claim?

If I had substantial damage I would file a claim,that is what you are paying premiums for. :happy

Link for insight to your question
http://www.moneycrashers.com/filing-a-c ... r-premium/
by Toons
Thu Jul 30, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Waiting for the dip to add funds? Good luck!
Replies: 8
Views: 1009

Re: Waiting for the dip to add funds? Good luck!

Time Not Timing,,,what are your waiting for :happy
by Toons
Thu Jul 30, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to work on next?
Replies: 6
Views: 321

Re: Which debt to work on next?

School loan $53K at 1.5% (fixed) with 18 years to go paying $270/month :happy
by Toons
Thu Jul 30, 2015 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 29
Views: 1434

Re: Priorities

Nice read.
Yes life is short.
I had somewhat of a wakeup call a few years back.
I woke up to the reality of mortality.
What good does it do to count dollar bills stacking up.
We bought an RV and started traveling.
You just NEVER know.
You have today,Live It to the fullest.
:happy
by Toons
Thu Jul 30, 2015 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Big mistake
Replies: 10
Views: 1158

Re: Big mistake

All depends on your tax situation,I hold Total Bond in my taxable account along with balanced funds .
:happy
by Toons
Thu Jul 30, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 17
Views: 1362

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

retiredjg wrote:Insurance requirements do vary from state to state. But the car was leased. I feel sure the dealer (or whoever) required your brother to carry whatever coverage was necessary in his state to take care of their investment.

Let the insurance company handle this.


+1 :happy
by Toons
Thu Jul 30, 2015 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in a few days
Replies: 12
Views: 1269

Re: Retiring in a few days

Excellent!
Enjoy :happy
by Toons
Thu Jul 30, 2015 7:21 am
Forum: Investing - Theory, News & General
Topic: 401K - Recommend a good Fidelity bond fund
Replies: 4
Views: 273

Re: 401K - Recommend a good Fidelity bond fund

If you do not have access to the advantage share class ,I would look at
FBIDX-Spartan U.S. Bond :happy
link
https://fundresearch.fidelity.com/mutua ... /315911107
by Toons
Wed Jul 29, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 26
Views: 1414

Re: Recommendations on a cheap commuter car

Honda Fit,
I owned one,great machine :happy
by Toons
Wed Jul 29, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Medical Expenses in Retirement
Replies: 18
Views: 1362

Re: Handling Medical Expenses in Retirement

I handle those expenses that you are speaking of in 2 ways. 1.Credit Card for some out of pocket expenses that are presented to me at the providers location(dentist,medicines,etc) 2.For those Medical bills that are mailed to me I go online and use my bank's billpay feature to send them a payment fro...
by Toons
Wed Jul 29, 2015 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Stock, which to ROTH?
Replies: 5
Views: 450

Re: Total Bond or Total Stock, which to ROTH?

Conventional wisdom is bonds IRA ,Stocks taxable.
My gut tells me in this situation I would go for 80% growth in IRA,,,no taxes ,qualified distributions as has been mentioned. :happy
by Toons
Wed Jul 29, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3418

Re: Geico Auto Insurance

"Homeowners coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc." :happy
Travelers underwrites my homeowners through Geico

Link to information
https://www.geico.com/getaquote/homeowners/
by Toons
Wed Jul 29, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3237

Re: Retirees: Social Security and Expenses

OAG wrote:
Toons wrote:100% with money left over :happy


+1


:thumbsup
by Toons
Wed Jul 29, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley Wellington diversification
Replies: 9
Views: 815

Re: Wellesley Wellington diversification

Ditto on Conservative Growth :happy
by Toons
Wed Jul 29, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 14
Views: 982

Re: How do you keep your portfolio/allocation in auto mode and in sync?

"So how do you manage your portfolio on an ongoing basis to keep things simple? " I kept it real simple for a couple of decades,just kept buying equity funds. Since retiring I glance at the portfolio every 6 months or so to check the allocation. If allocation is heavy on the equity side I ...
by Toons
Wed Jul 29, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Need car for 6 months a year. Best ideas?
Replies: 16
Views: 1188

Re: Need car for 6 months a year. Best ideas?

4. Fugetaboutit and just drive the jalopy and hope nobody notices. Keep smiling

1.Nobody really cares what you drive :happy
2.If you are still smiling and not making payments ,it is a win win situation.
That is my answer :happy
by Toons
Wed Jul 29, 2015 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3418

Re: Geico Auto Insurance

I am also a bit weary of GEICO because there is no actual GEICO office within 50 miles of were I live. Maybe it is old fashioned, but I am used to having a dedicated person that I could talk to if I had questions. But that is the reason they are less expensive! No broker overhead. While you may not...
by Toons
Wed Jul 29, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 2309

Re: New Car - Cash or Finance?

aprilcpa wrote:I hate debt, so I would just pay cash for it. Maybe not the best financial decision, but it works for me!




+1
Ditto
by Toons
Wed Jul 29, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6569

Re: Divorce

Grt2bOutdoors wrote:
Toons wrote:"Time Heals All Wounds" :happy


The nasty scars are all that remain as a momento, right?


No scars whatsoever,,,My ex of 35 years ago and I have put it all behind us ,we are the best of friends now.
Life is short,Forgive
:happy
by Toons
Wed Jul 29, 2015 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3237

Re: Retirees: Social Security and Expenses

100% with money left over :happy
by Toons
Tue Jul 28, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor fee question
Replies: 19
Views: 1361

Re: Advisor fee question

If one is invested in mutual funds which are designed to be held for years if not decades then what does an advisor do for 500 per month?
Inquiring minds want to know :happy
by Toons
Tue Jul 28, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 73
Views: 3117

Re: FWD vs AWD (Vehicle)

"I live in a snow belt with 50 - 80 inches of snow " :shock:
Enuff said,,,without a doubt AWD.
I lived in Western NY,next to Lake Erie for a long time,,,I can relate. :happy
by Toons
Tue Jul 28, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: today or wait a week
Replies: 14
Views: 1729

Re: today or wait a week

It is Time NOT Timing:
It is 3:42 you have some time.
Today is the day to invest :happy :happy
by Toons
Tue Jul 28, 2015 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 61
Views: 4314

Re: Do Bogleheads plan to utilize Independent Living facilities?

Well,If I am fortunate to live that long and unable to care for myself ,Yes :happy
by Toons
Tue Jul 28, 2015 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Minimums for Fund Purchases
Replies: 8
Views: 241

Re: Minimums for Fund Purchases

minimum is per fund, not account total. same for admiral. So then if I wanted to add $1,000 of TSM then I could, even though the minimum is $3,000? Can you refer me to information as to where to invest Roth funds in particular? I am playing catchup and this is an area I need to get up to speed on t...
by Toons
Tue Jul 28, 2015 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Minimums for Fund Purchases
Replies: 8
Views: 241

Re: Minimums for Fund Purchases

Per Vanguard :happy
"Minimum investment requirements"

https://investor.vanguard.com/mutual-funds/fees
by Toons
Tue Jul 28, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6569

Re: Divorce

"Time Heals All Wounds" :happy
by Toons
Tue Jul 28, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 2989

Re: Easy lunch brownbag ideas

Crown Prince Sardines & Triscuits :happy

Image


Image
by Toons
Tue Jul 28, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 923

Re: garage door opener resuscitation possible?

What Brand is it?
Start here with this 4 minute youtube troubleshooting tutorial :happy
https://www.youtube.com/watch?v=b8w2w5ZAc1I
by Toons
Tue Jul 28, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1097

Re: Taxable income computation by Vanguard

P.S. I am asking this question in the context of my general financial planning. This is my first full year in retirement with relatively low income from the pensions. Ideally, I would like to use this opportunity to do Roth conversions. However, my traditional retirement account is in the TSP, and ...
by Toons
Tue Jul 28, 2015 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1097

Re: Taxable income computation by Vanguard

All matters being considered:
Try to maintain the mantra of :
Keep It Simple during your decision making process
:happy
by Toons
Tue Jul 28, 2015 10:19 am
Forum: Investing - Help with Personal Investments
Topic: What advice would you give...Salary bumping up from 37k to 45k annually
Replies: 15
Views: 1355

Re: What advice would you give...Salary bumping up from 37k to 45k annually

We found that over the decades when saving for retirement it was important to not "live up" to our means.
When we would get raises ,yes we would enjoy some of it but first and foremost was to increase our 401k contributions.Invest. :happy
by Toons
Tue Jul 28, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3418

Re: Geico Auto Insurance

I think it's a hassle....You may not. But, a little more involved than just getting quotes for insurance on home. It was easy,they just ask about valuables,their job is to simplify and take the stress out of the process :happy I need updated appraisals though for my jewelry because I have each item...
by Toons
Tue Jul 28, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3418

Re: Geico Auto Insurance

Lindrobe wrote:I think it's a hassle....You may not. But, a little more involved than just getting quotes for insurance on home.


It was easy,they just ask about valuables,their job is to simplify and take the stress out of the process :happy
by Toons
Tue Jul 28, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3418

Re: Geico Auto Insurance

I switched everything over to Geico years ago after getting an auto quote online,in a matter of minutes. Technology has improved vastly since then. Their efficiency is unsurpassed ,,in my estimation anyway :happy Homeowners link (Not Affilated) https://www.geico.com/getaquote/homeowners/ The part t...
by Toons
Tue Jul 28, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3418

Re: Geico Auto Insurance

Wow, that is a great rate. We switched to GEICO last year for the same reason. Long time (15 years) Allstate customers, no accidents, no driving citations, our premiums continued to go up and up every year even with our discount for having our homeowner's insurance bundled. We were paying ~$1100/se...
by Toons
Tue Jul 28, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 990
Views: 158741

Re: What Movie Have You Recently Watched?

Return To The Phillipines-Netflix :happy
by Toons
Tue Jul 28, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 1618

Re: Penny Stocks

Penny stocks?
The name alone is unappealing :happy
by Toons
Tue Jul 28, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 16
Views: 733

Re: Fuel injector cleaning

"2004-and-newer vehicles are less likely to need fuel injectors cleaning as often, because newer designs and today’s better fuel additives reduce fouling. "

Link to above :happy
http://tomdwyer.com/2014/uncategorized/ ... injectors/
by Toons
Tue Jul 28, 2015 8:59 am
Forum: Forum Issues and Administration
Topic: Are Things Slowing Down Again?
Replies: 10
Views: 1415

Re: Are Things Slowing Down Again?

All systems go here :happy
by Toons
Tue Jul 28, 2015 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1097

Re: Taxable income computation by Vanguard

I havent' done taxes with paper in years. All software programs allow one to use "Various" when reporting a group of multiple transactions in one category,short term or long term.http://www.irs.gov/pub/irs-pdf/f8949.pdf Look at the NOTE-you may aggregate on Form 8949 form 8949 http://www.i...
by Toons
Tue Jul 28, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1097

Re: Taxable income computation by Vanguard

Since these are non-covered shares, VG will only report the gross proceeds to the IRS. You're responsible for the rest (which VG will probably report to you). I found a Vanguard publication stating the following: All sales of mutual funds, most exchange-traded funds (ETFs), and stocks will generate...
by Toons
Tue Jul 28, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1097

Re: Taxable income computation by Vanguard

I have never sold partial mutual funds in taxable accounts. I have sold all holdings and paid tax on all gains , and I have exchanged funds in tax-deferred accounts, but I have not had a situation in which I had to estimate taxes from a partial sale . I want to sell a part of my Vanguard TSM using ...

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