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Re: What age did you move out?

19 :happy
by Toons
Tue Jan 27, 2015 10:59 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 61
Views: 1843

Re: Payoff Mortgage with investments in taxable accounts

$160k balance @ 3% for 14 more years?
In my humble opinion if you can arrange to pay it off before the week is out,with an emergency fund still available,then Make it happen. :happy
by Toons
Tue Jan 27, 2015 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage with investments in taxable accounts
Replies: 7
Views: 488

Re: what to do with a few extra bucks

TarHeel2002 wrote:I figured that's what you would say if you came across this post (Toons). :D Thanks. I enjoy reading your posts often. No nonsense and to the point.


I cut to the "heart" of the matter,no non-sense,keep it simple.You know what to do. :sharebeer
by Toons
Tue Jan 27, 2015 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: what to do with a few extra bucks
Replies: 13
Views: 789

Re: what to do with a few extra bucks

Apply the 8k to the student loan :happy
by Toons
Tue Jan 27, 2015 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: what to do with a few extra bucks
Replies: 13
Views: 789

Re: Bank adviser did some terrible advising...Help please

Take a deep breath,when you are ready to move to Vanguard, A target date fund will fill the bill. :happy
by Toons
Tue Jan 27, 2015 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bank adviser did some terrible advising...Help please
Replies: 25
Views: 1706

Re: What mutual fund companies do you use?

Vanguard,Janus,Fidelity,American,Jennison,Blackrock :happy
by Toons
Tue Jan 27, 2015 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 43
Views: 1377

Re: Vanguard's Recommended Portfolio

We've been going through Vanguard's new personal advisory service. We haven't signed up officially yet, but our advisor has come back with how they'd like to set it up. Before we move forward, I'd appreciate any comments you might have on the following portfolio (we talked a lot about allocation le...
by Toons
Tue Jan 27, 2015 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 15
Views: 1373

Re: Advice Please Have 40,000 in a IRA want to move to Vangu

" The target retirement fund the all in one or should I set up another type" Target Date is an Excellent choice. https://investor.vanguard.com/mutual-funds/target-retirement/#/?WT.srch=1 Account type comparisons http://planning.tdameritrade.com/sites/client/tda/tdap/article.vm?siteContent=...
by Toons
Tue Jan 27, 2015 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Please Have 40,000 in a IRA want to move to Vanguard
Replies: 4
Views: 372

Re: Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWAL

"yes he does WANT to buy high yield bond, the question is WILL he.... just looking at 2 respnses.. . the answer is most likely not..." Do what is "right" for you . :happy what is RIGHT is impossible today... it is to keep up with inflation with safe money in my CD bucket... got ...
by Toons
Tue Jan 27, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWALX)
Replies: 22
Views: 1095

Re: Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWAL

"yes he does WANT to buy high yield bond, the question is WILL he.... just looking at 2 respnses... the answer is most likely not..."


Do what is "right" for you . :happy
by Toons
Tue Jan 27, 2015 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWALX)
Replies: 22
Views: 1095

Re: Too Many SpecIDs for Cost Basis. Good case to not reinve

I would continue reinvesting ,as has been mentioned Vanguard tracks the basis,including reinvestments :happy
by Toons
Tue Jan 27, 2015 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Too Many SpecIDs for Cost Basis. Good case to not reinvest?
Replies: 8
Views: 528

Re: Anticipating the pain

35 years? What is the significance of today? :happy
by Toons
Tue Jan 27, 2015 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 9
Views: 934

Re: Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWAL

"More money has been lost reaching for yield than at the point of a gun" :shock:
by Toons
Tue Jan 27, 2015 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWALX)
Replies: 22
Views: 1095

Re: Best deal on TurboTax

It looks like TaxAct is only ~$20. I may consider switching to save $80. My taxes aren't overly complex but I do need to file a basic Schedule C and have some investment transactions. Smart move,,save yourself some money.Schedule C and a 1099-B for transactions,,,,easy. :happy http://www.taxact.com...
by Toons
Tue Jan 27, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best deal on TurboTax
Replies: 7
Views: 808

Re: Are any US-only investors having 2nd thoughts?

None whatsoever :happy
Chasing performance??Hardly a thought.
by Toons
Tue Jan 27, 2015 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 28
Views: 2354

Re: Best deal on TurboTax

Amazon Prime Members:
TurboTax Special Offers
Prime Member Price 64.99 :happy

http://www.amazon.com/gp/product/B00NG7 ... 0557015011
by Toons
Tue Jan 27, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best deal on TurboTax
Replies: 7
Views: 808

Re: Best Personal Finance/Budgeting Online tool for a Newbie

For tracking Quicken does a good job. For budgeting, I would first come up with a written financial plan that guides you in investing, budgeting, spending, debt, etc. We don't really budget except that our savings and donations come out first. Then our expenses have to be less than what we have lef...
by Toons
Tue Jan 27, 2015 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Personal Finance/Budgeting Online tool for a Newbie?
Replies: 15
Views: 816

Re: Play money- what is your process?

What do you look for?
Nothing in particular.

How do you decide?
When I find that cash in account is more than asset allocation calls for then I invest it in
Vanguard Lifestrategy Conservative Growth Fund or Vanguard Intermediate Term Tax Exempt.

Do you time buying and selling?
No :happy
by Toons
Tue Jan 27, 2015 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 40
Views: 2479

Re: Best Personal Finance/Budgeting Online tool for a Newbie

Hello All.. My wife and I have not been great stewards of our money. We are hoping for a fresh start and would like know what tool you all would recommend for budgeting and tracking finances. Any help would be appreciated. Thanks. FYI: http://www.amazon.com/Intuit-424253-Quicken-Deluxe-2015/dp/B00M...
by Toons
Tue Jan 27, 2015 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Personal Finance/Budgeting Online tool for a Newbie?
Replies: 15
Views: 816

Re: MF dividends Vanguard taxable account

If you have multiple dividend paying mutual funds in a Vanguard taxable account do you list each fund separately on the 1040 or do you add them all together and list the total? I have several mutual funds in my Vanguard Taxable account. Each is assigned an account number and listed separately when ...
by Toons
Tue Jan 27, 2015 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: MF dividends Vanguard taxable account
Replies: 2
Views: 300

Re: Best Personal Finance/Budgeting Online tool for a Newbie

A credit card. Charge everything to the same credit card and pay it off every month. Stop using any cash or checks. The credit card statement will instantly tell you where all your money goes. How do you set up a budget to control spending and become a better steward of your money with a credit car...
by Toons
Tue Jan 27, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Personal Finance/Budgeting Online tool for a Newbie?
Replies: 15
Views: 816

Re: Question on investing/ personal finance newsletters....

I "read"
John Templeton
John Bogle
Warren Buffett :happy
by Toons
Tue Jan 27, 2015 6:49 am
 
Forum: Investing - Theory, News & General
Topic: Question on investing/ personal finance newsletters....
Replies: 7
Views: 566

Re: New car safety features

Mercedes ,Blind Spot Assist(radar sensors both side panels)has saved me on more than one occasion :happy

Honda rear view camera passenger side mirror is also an excellent safety feature :happy
by Toons
Mon Jan 26, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 64
Views: 3022

Re: Wisdom of transferring current assets to Vanguard?

Easy decision,Vanguard,keep it simple :happy
by Toons
Mon Jan 26, 2015 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wisdom of transferring current assets to Vanguard?
Replies: 11
Views: 1111

Re: Snow on Gas Meter?

FYI:
Keep Snow and Ice Clear of Gas Meters. :happy

http://www.montana-dakota.com/docs/defa ... -meters.pd
by Toons
Mon Jan 26, 2015 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Snow on Gas Meter?
Replies: 13
Views: 1392

Re: WHAT EXPERTS SAY

:thumbsup Thanks!
by Toons
Sun Jan 25, 2015 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 49
Views: 2779

Re: Heat pump - drop temperature at night or keep constant?

Heat Pump -70 during the day 65@night . :happy
by Toons
Sun Jan 25, 2015 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Heat pump - drop temperature at night or keep constant?
Replies: 17
Views: 1196

Re: Google Chrome: is this a mega security problem?

I haven't read the whole thread so maybe it's in here somewhere. But why didn't you just get a separate account for your Chromebook? That defeats the purpose of chrome browser,synchronization of all google your Google related data,,emails,Google documents,calendar,photos,,etc. Keep it simple and st...
by Toons
Sun Jan 25, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6534

Re: Downside to eDelivery?

If your computer is lost or stolen or the hard drive crashes, you not only lose the latest copies of these documents (if you hadn't done a backup since receiving them), but your personal data can end up in someone else's hands. Don't store them on the computer,,view statements,,etc on providers ser...
by Toons
Sun Jan 25, 2015 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2124

Re: 400ft Driveway - How do I plow the snow?

I lived in Western NY for years,,,,,hire a "plow service" go easy on yourself :happy
by Toons
Sun Jan 25, 2015 3:48 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 57
Views: 3952

Re: Varying returns with different sites

A little added detail:
Total return INCLUDES interest, capital gains, dividends and distributions realized over a given period of time. :happy
by Toons
Sun Jan 25, 2015 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Varying returns with different sites
Replies: 4
Views: 355

Re: How to sell off Stock?

"should I hold onto these stocks?"

Ticker symbols please,, :happy
by Toons
Sun Jan 25, 2015 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to sell off Stock?
Replies: 10
Views: 541

Re: Anyone still keep DVDs?

Thrift Store donation. :happy
by Toons
Sun Jan 25, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Anyone still keep DVDs?
Replies: 25
Views: 1468

Re: Where do you think the stock market heading this year?

In 2 different directions,,,Up and Down :happy
by Toons
Sun Jan 25, 2015 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1550

Re: Anyone regret paying off mortgage early?

reggiesimpson wrote:Paid cash for every house i ever owned (3). Best decision i ever made.
I hate bills......especially big ones.


:thumbsup
by Toons
Sun Jan 25, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37058

Re: Should I sell tax inefficient mutual funds?

Do not let the tax tail wag the dog :happy
by Toons
Sun Jan 25, 2015 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell tax inefficient mutual funds?
Replies: 22
Views: 1457

Re: Success stories of NOT buying more/too much house

We asked ourselves , "How many empty rooms did we need to look at and take care of as we aged in our retirement years? :happy
by Toons
Sun Jan 25, 2015 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 65
Views: 5784

Re: Time to stop driving for 85 yo MIL

At 85 years of age I took the keys from my Mother so she would not harm herself or others.
Smart decision :happy
by Toons
Sun Jan 25, 2015 11:16 am
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3605

Re: Best short term investment options

Savings Account :happy
by Toons
Sun Jan 25, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Best short term investment options
Replies: 11
Views: 654

Re: Reliability of LED televisions?

No problems with Samsung Smart TV LED, Stays on 14 hours a day as it serves as a computer monitor if I am not watching Tv :happy "The true average lifespan of LED television sets remains to be seen, as of 2011, because the technology is still young. Some manufacturers, like Samsung, claim that ...
by Toons
Sun Jan 25, 2015 11:11 am
 
Forum: Personal Consumer Issues
Topic: Reliability of LED televisions?
Replies: 18
Views: 1213

Re: Why not invest in bond fund in taxable account?

I do invest in Short term investment grade and Total Bond in taxable account.. :happy
by Toons
Sun Jan 25, 2015 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2637

Re: Downsize, Reduce, Simplify.

Been downsizing steadily for years
Downsized the debt to zero
Donated of gave away many possessions
Downsized the home to 1400 sq ft
Everything e-delivery
Less is more,,,,as we age. :happy
by Toons
Sat Jan 24, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 65
Views: 7099

Re: Online safety and security tips

How does a password manager work? I would be nervous having my passwords recorded anywhere electronically - regardless of encryption. LastPass ,one of the Most popular Local Only Decryption,,,and Multi Factor Authentication :happy I can't imagine "writing down "passwords on a sheet of pap...
by Toons
Sat Jan 24, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Online safety and security tips
Replies: 9
Views: 792

Re: Downside to eDelivery?

None whatsoever,,,have been using e-delivery for all statements,financial matters,,bills etc.since they were offered,,less trips to the mailbox,,less to throw away,,,always available from any device online,,keep it streamlined and simple :happy
by Toons
Sat Jan 24, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2124
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