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Re: Can/do you sell bonds to purchase stocks?

Stay the course buying index funds :happy
by Toons
Wed Aug 27, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can/do you sell bonds to purchase stocks?
Replies: 19
Views: 910

Re: What's "The Herd" doing today?

Herd =Lemmings? :happy
by Toons
Wed Aug 27, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3397

Re: Market Corrections — Befriending the Beast

Market corretions are an inherent part of investing and indeed they are 'healthy" :happy
by Toons
Wed Aug 27, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Market Corrections — Befriending the Beast
Replies: 14
Views: 1852

Re: AA of 60/40 for your Lifetime?

In my observation 60/40 is a comfortable sweet spot for investing.Not too hot ,not too cold,,during bull or bear. :happy
by Toons
Wed Aug 27, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2265

Re: What's "The Herd" doing today?

Santayana
"Those who cannot remember the past are condemned to repeat it" :happy
by Toons
Wed Aug 27, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3397

Re: Saving for a house down payment in 5-7 years...

cds,high yield savings,,Vanguard Short Term Investment Grade,,,VFSTX,,,mix it up :happy
by Toons
Tue Aug 26, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a house down payment in 5-7 years...
Replies: 13
Views: 912

Re: Should we invest or pay off mortgage ?

Pay off the mortgage,Why?...Its liberating :happy
by Toons
Tue Aug 26, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we invest or pay off mortgage ?
Replies: 15
Views: 1639

Re: Savers vs. Spenders: Default Mode

[quote="Leesbro63"]Then how do you explain people of minimal means who accumulate many times their annual spending, and people with big incomes who end up broke?[/quo Live beneath your means for decades,save the raises,Get a grip on wants and needs in life.Invest prodigiously what you save...
by Toons
Tue Aug 26, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2165

Re: What are you up YTD?

I don't know but it appears my investment portfolio is worth more than it was this time last year,,and I have been spending money along the way,,,,this is the way long term investing is supposed to work,,methinks :happy
by Toons
Tue Aug 26, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 85
Views: 5105

Re: What to do with individual stock I received?

I guess if they wanted this money to go to charity, why wouldn't they have just donated it themselves? Perhaps they were trying to teach you a lesson in giving and hoped that their gift to you would start you off on the right foot to your own long career in philanthropy. Since they are still alive,...
by Toons
Tue Aug 26, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 1902

Re: What to do with individual stock I received?

Colgate Stock?At your age ,I would keep it for another 20 years or so and reconsider,,,oh yes don't forget to reinvest the dividends,,, :happy "Colgate-Palmolive has paid uninterrupted dividends on its common stock since 1895 and increased payments to common shareholders every year for 51 years...
by Toons
Tue Aug 26, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 1902

Re: Amazon -- set shipping to free as the default?

Not all items qualify for free shipping. :happy
by Toons
Mon Aug 25, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 1015

Re: Death of family member - what to do financially

With respect to attorneys out there, please understand there is no acrimony intended here but do we need to have a lawyer pursue this for him? Is there an alternative service that can be used? Many of your questions are legal matters, best handled by a lawyer. :oops: You might also consider the ser...
by Toons
Mon Aug 25, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of family member - what to do financially
Replies: 26
Views: 3134

Re: S&P500 over 2000

2000......Wow time flies seems like just yesterday when the S&P dropped 20% in one day from 282 to 225,,,,,October 1987.Just goes to show,,,keep buying and stay the course :happy
by Toons
Mon Aug 25, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5045

Re: Received bank statements for a business using our addres

dickenjb wrote:Take a deep breath - maybe she (or the bank) transposed two digits of your address. Happens all the time.

I would try to contact the lady first.


Yes try to contact the individual,I wouldn't fret over it. :happy
by Toons
Mon Aug 25, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Received bank statements for a business using our address
Replies: 7
Views: 547

Re: invest in taxable account or Fidelity 403b?

403b ,a few thoughts
Invest in any and all tax -deferred ,tax-free investing vehicles the Federal Govt. allows.
The tax free compounding can do some heavy lifting of the portfolio.It works. :happy
by Toons
Mon Aug 25, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in taxable account or Fidelity 403b?
Replies: 3
Views: 226

Re: Can a Boglehead put down 10% on a house?

Personally I would stay squeezed until I could put enough down to get a 15 year mortgage. My wife and I stayed squeezed in 850 feet for 16 years,then took out a 15 year on a new home, paid it off early. Sold that home paid cash for the next home. Pay as little interest to someone else as you possibl...
by Toons
Mon Aug 25, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a Boglehead put down 10% on a house?
Replies: 30
Views: 2405

Re: Looking to buy a new car but hesistant.

Finance 20k,,,,,hmmmm sleep on it for a while,,a long while,,just sayin :happy
by Toons
Mon Aug 25, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a new car but hesistant.
Replies: 17
Views: 1592

Re: What 5 stocks can I own forever?

Exxon,Coke,Mcdonalds,Johnson&Johnson,Proctor-Gamble,Dominion Resources(6) :happy
by Toons
Mon Aug 25, 2014 5:04 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4384

Re: Google Chrome vs. Firefox and Internet Explorer

CountryBoy wrote:OK, I reset the Chrome browser and still not able to get in.


Didnt think that was the issue,,,are you able to sign into your google account in chrome?
by Toons
Sun Aug 24, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome vs. Firefox and Internet Explorer
Replies: 24
Views: 1644

Re: Buy & Hold Forever Blue Chip Stocks???

On a sidenote I bought Dis. in 1997 around 26.00 a share.Fast forward 5 years later around 14 per share,,oh well. Fast forward 12 years later...90 per share,,oh well,,,you never know(still holding) :happy Up 240%, by my estimate, doubling S+P and Dow over same period. I bought days after 9/11. It w...
by Toons
Sun Aug 24, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3636

Re: Google Chrome vs. Firefox and Internet Explorer

FYI
Click the Chrome menu Chrome menu on the browser toolbar(3 horizontal bars top right of browser)
Select Settings.
Click Show advanced settings and find the "Reset browser settings” section(bottom of page)
Click Reset browser settings :happy .
by Toons
Sun Aug 24, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome vs. Firefox and Internet Explorer
Replies: 24
Views: 1644

Re: Quote from a mover: Please comment

Three movers and a truck with the services you mentioned, for 1k,sounds reasonable to me,hey they gotta make a living . :happy
by Toons
Sun Aug 24, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3619

Re: Paying off house in cash

I wouldn't use a "hope" as a criteria for putting money away for 5 years.Stick with cash ,cds,maybe short term bond funds,for that time frame to purchase house.
by Toons
Sun Aug 24, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying off house in cash
Replies: 6
Views: 1718

Re: Newbie nervous and just invested 55k with Vanguard

Whats to worry about,you should be thankful you had the money to invest and now have put the compounding machine to work for you ,,,daily market gyrations are meaningless,,,,check back in 20 years. :happy
by Toons
Sun Aug 24, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie nervous and just invested 55k with Vanguard
Replies: 20
Views: 2230

Re: Where to put my house down payment money at Vanguard?

zback , money needed in fewer than three years should be in a mix of savings accounts, CDs, and money market accounts. Not stocks, not even bonds, just cash. What do you mean by "Vanguard general savings account"? Do you mean the Prime Money Market or something else? The Roth IRA is for r...
by Toons
Sun Aug 24, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put my house down payment money at Vanguard?
Replies: 8
Views: 841

Re: Buy & Hold Forever Blue Chip Stocks???

In all fairness, the OP said buying and holding FOREVER, not trading. Better to eliminate tech growth stocks and look at steady dividend-paying stocks for this to work OK. Having 100 shares of Exxon-Mobil would definitely not ruin my day... +1 :happy On a sidenote I bought Dis. in 1997 around 26.00...
by Toons
Sun Aug 24, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3636

Re: Best iPhone deal for light user

Do you need an Iphone ?If Not Republic Wireless,,Moto G or Moto X phone :happy

https://republicwireless.com/
by Toons
Sat Aug 23, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2335

Re: Saving for a car

My plan to save for a car purchase in five years is to buy the intermediate term index bond fund VBILX and add $335 per month. Is there anything wrong with this plan or is there a better way? I would probably use a bond fund with less duration,maybe Short Term Investment Grade.Aside from that, make...
by Toons
Sat Aug 23, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1576

Re: I need "Ultra High Net Worth" investing advice please

The principles of investing $50,000 and $50,000,000 aren't very different. In fact they're practically identical. Recommend keeping things simple, using all munis for your bonds and enough stocks so your investment beats inflation over the long term. Basically have some cash/CDs, some municipal bon...
by Toons
Sat Aug 23, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15162

Re: To be truly rich, take stock of your life before investi

"So Why Bother Too Invest?" Well speaking for myself,it was to eventually put my spouse and myself in a position where we could choose to do want we wanted to do with "our time". :happy +1 Time...we are not immortal. Not looking for riches, looking for peace of mind. burt :beer
by Toons
Sat Aug 23, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 30
Views: 4470

Re: Capital Gain Tax on Muni Bond Funds

I have used Vanguard Short Term Investment Grade for a couple large purchase the last year or so(auto).Wrote checks.Upon doing so Vanguard redeems the shares and yes it it is a taxable event,gain or loss.At end of the year Vanguard sends out the 1099-B broker transaction form with cost basis,proceed...
by Toons
Sat Aug 23, 2014 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital Gain Tax on Muni Bond Funds
Replies: 15
Views: 1128

Re: Servicing a Mechanical Watch

gkaplan wrote:What's the difference between a mechanical watch and a non-mechanical watch?


FYI:
"The Difference Between Mechanical Watches and Quartz Watches" :happy

http://www.osterjewelers.com/watches/ar ... rtzwatches
by Toons
Fri Aug 22, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Servicing a Mechanical Watch
Replies: 8
Views: 664

Re: Which Vanguard BOND Fund ?

larryinnewyork wrote:Hello again.
Thanks everyone for taking the time to respond.

Some good points were brought up.
For the time being, I will leave things as they are.

Perhaps as I get alittle older, I will add another bond fund for better bond diversification.


+1 Good Idea :happy
by Toons
Fri Aug 22, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3157

Re: Stopping Junk mail from USPS

by Toons
Fri Aug 22, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 1873

Re: What documents should you never throw away?

LAlearning wrote:All of them....after you scan them.


+1 cept for Auto titles,Will,Deed,Birth Certificate :happy
by Toons
Fri Aug 22, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: What documents should you never throw away?
Replies: 17
Views: 1623

Re: Rain Jacket Recommendations

FYI :happy http://www.llbean.com/llb/search/?freeText=Rain+Jackets&mkwid=sBrQS4Xyc_dc&pcrid=55857069013&pkw=rain%20jackets&pmt=e&qs=3094619_google#/llb/search/508401?freeText=Rain+Jackets&nav=ln-sr&page=rain-gear http://www.amazon.com/Columbia-Mens-Watertight-Packable-Jac...
by Toons
Fri Aug 22, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1719

Re: Do you tip on the tax?

I tip on the total bill
by Toons
Fri Aug 22, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4967

Re: FERS retirement: Final taxes and TSP

...If pensions, Social Security, and a portfolio draw-down satisfy one's retirement needs then asset allocatio n, performance targets, portfolio drag, and other financial measures become irrelevant. Victoria I hope I'm not taking the above too far out of context, but are you sure this is correct? I...
by Toons
Thu Aug 21, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 38
Views: 2429

Re: Power of Attorney

Browser wrote:In my view, it's essential to have durable POA for an aging parent if they'll allow it. Have had that for my mother (now aged 97) for many years and it's been invaluable handling her financial affairs.


+1 Same here it was invaluable as "Dementia/Alzheimers "became progressively worse.
by Toons
Thu Aug 21, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney
Replies: 32
Views: 2613

Re: Investing for inlaws

I would consider directing them to Vanguard's services. They need a cash reserve to provide peace of mind and liquidity. In terms of investments, would this be a taxable or tax advantaged account? Perhaps a simple all in one Target or Life Strategy fund would work. Best. thanks, i will look into th...
by Toons
Thu Aug 21, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing for inlaws
Replies: 23
Views: 1017

Re: Unlimited cell plans dropping in price?

I use AT&T ONLY because it's through my company. If I had to use my own phone, I'd use a cheap plan. I have both my mother-in-law and my mom on Straight talk (I give them my old iPhones after they're off contract, pop in a new battery and a sim card, and they're set) they pay 6 months at a time...
by Toons
Thu Aug 21, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3261
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