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Re: Will not using my dishwasher cause problems?

We use ours about every other day. :happy "Also keep in mind, washing dishes by hand uses much more water than using a dishwashers. Using an ENERGY STAR qualified dishwashers instead of hand washing will save you annually 5,000 gallons of water, $40 in utility costs, and 230 hours of your time ...
by Toons
Wed Jul 23, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 14
Views: 368

Re: Help me choose a new tv

4strings wrote:anything other than a Samsung, you'd be doing yourself a disservice.


+1 :happy

Image
by Toons
Wed Jul 23, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 29
Views: 1306

Re: Should I Buy a Home Warranty

Owned homes for 45 years never purchased a home warranty,,never would :happy

http://www.clarkhoward.com/news/clark-h ... ten/nDYMR/
by Toons
Wed Jul 23, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 9
Views: 450

Re: VG Admiral Fund-falling below minimum investment

I'm curious if anyone has experience with opening a Vanguard Admiral fund with a $10k minimum and then over time bouncing down to, say, $8k before bouncing back up to over $10k. Are they pretty strict about the minimum and will quickly drop you from Admiral to Investor shares? Or are they pretty la...
by Toons
Wed Jul 23, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 2956

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

IlX,,,,,4 grand difference,,,,you can't take it with you ,,Enjoy the fruits of your labor. :sharebeer
by Toons
Wed Jul 23, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 9
Views: 374

Re: Best Coffee Maker? What do you have?

I can't leave home without it,,,,,,strapped down in the RV.... :happy
Hamilton Beach
K-Cup or Regular cup

Image


http://www.walmart.com/ip/Hamilton-Beac ... 5/21130276
by Toons
Wed Jul 23, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 22
Views: 857

Re: What to do with additional income?

When I scanned your thread ,I focused on a few items that caught my attention: I currently have an 2nd Mortgage on my home that is carrying 24K balance at 8.5% I have a car payment of $484 at 2.9% with three years left this October. "I have $500 extra a month and approximately $9500 every March...
by Toons
Wed Jul 23, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with additional income?
Replies: 5
Views: 369

Re: How to track expenses to the penny?

Here is what I do: Use an accounting software of some kind that lets you create categories. When you get a receipt, make sure it's all in one category as you put it in the Receipts Tray. If not, then write along the top in red ink what the category is (say, a Costco receipt could be Groceries and C...
by Toons
Wed Jul 23, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 39
Views: 2261

Re: Anyone use Pocketsmith?

After reviewing the website I did not find any functionality to track investments(cost basis etc). :happy FYI: "For $9.95 a month, the Premium account is considered their “best value subscription.” If you are looking for high-level, detailed information on your accounts, and future financial fo...
by Toons
Tue Jul 22, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Pocketsmith?
Replies: 2
Views: 400

Re: How to track expenses to the penny?

For Me "Quicken" to the penny for 22 years :happy (Not Affilliated)

https://www.youtube.com/watch?v=0H2YZ73TecA
by Toons
Tue Jul 22, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 39
Views: 2261

Re: AAA worth it? I have Allstate

I canceled AAA about 5 or 6 years ago.
When I did use their service it was for Maps and "TripTiks". :shock:
I chose to go with Geico Roadside assistance for each vehicle.Fortunately I have not needed assistance as of yet,My autos are somewhat "New". :happy
by Toons
Tue Jul 22, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 2964

Re: Poll: Has your AA changed in the last 18 months

The 5 year bull market has pushed my equity allocation to 78/22,,,,,Stock,(bond,cash). :happy
by Toons
Tue Jul 22, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 49
Views: 2324

Re: Help me select a streaming media device

I have been pleased with Chromecast since its inception,as I stream Netflix most of the time.I find myself streaming with app from the tablet or phone.For 35 bucks I got a couple of them for 2 Tvs. For Amazon Prime I use the app built in to the Smart TV or stream on dedicated laptop attached to TV. ...
by Toons
Tue Jul 22, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 1549

Re: Poll - Do you use Quicken?

22 years,it is an integral part of my financial life :happy
by Toons
Mon Jul 21, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 61
Views: 2550

Re: What to do in a market correction

Nothing. :happy
by Toons
Mon Jul 21, 2014 6:23 am
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3005

Re: Can I retire early?

Without a doubt you can retire. :happy
by Toons
Sun Jul 20, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 3811

Re: how often do you look at your account

bertilak wrote:I guess it is daily because that's how often I use Quicken and the account data gets downloaded and displayed along with everything else (bank accounts, credit cards, etc.)

I'd have to go out of my way to NOT see it.


+1 :happy
by Toons
Sun Jul 20, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3513

Re: Favorite portfolio tracking software

All I have ever used is Quicken,since 1993 :happy Every financial transaction,banking ,investing(including reinvested dividends),credit,loans(when I had them) is entered.18 different accounts. The software has been and still is invaluable thanks to my record keeping involving some mutual funds owned...
by Toons
Sat Jul 19, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite portfolio tracking software
Replies: 9
Views: 1360

Re: Social Security Taxes?

Hey the way I view it,I'm thankful I am earning the income that puts me in a position to have 85% of my Social Security earnings taxed. :sharebeer
by Toons
Sat Jul 19, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2253

Re: Tobins Q as market valuation metric

I find it slightly disconerting that this discussion is continuing to go on like normal without an acknowledgement that the original post is factually incorrect (as has been pointed out by at least three separate posters now). The thirty year returns following previous peaks in Tobin's Q were not n...
by Toons
Sat Jul 19, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Tobins Q as market valuation metric
Replies: 42
Views: 2017

Re: 401(k) Annual Increase Program

Beneficial:
I.Invested before you get a chance to spend it.
2.Tax deferred compounding. :happy
by Toons
Sat Jul 19, 2014 4:53 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Annual Increase Program
Replies: 3
Views: 318

Re: What should I invest in 401k?

For simplicity sake ,a Target Date Fund :happy
Given my personal appetite for risk,reward, :happy I would allocate a portion to Vanguard PrimeCap
FYI
http://www.thesimpledollar.com/the-big- ... -roth-ira/

FYI:
http://www.calcxml.com/do/ret10

:happy
by Toons
Sat Jul 19, 2014 3:50 am
 
Forum: Investing - Help with Personal Investments
Topic: What should I invest in 401k?
Replies: 5
Views: 629

Re: A Romney Problem

Mitts dilemma,,,,,100 Million,, :happy

http://taxprof.typepad.com/taxprof_blog ... pros-.html

Start drawing out your money now,keep an eye on your tax bracket
Crunch the Numbers :happy
http://www.bankrate.com/calculators/ret ... -tool.aspx
by Toons
Fri Jul 18, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 2004

Re: How much energy does water heater use when I'm not home?

mediahound wrote:Thanks all. Yeah, sounds like perhaps I shouldn't worry about it and just leave it.


+1 Good Idea :happy
by Toons
Fri Jul 18, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2686

Re: Just set up VG acct, can I combine household assets?

I just transferred my IRA to Vanguard and am about to transfer my wife's IRA as well. Do I have to create a whole new account for my wife or is there any way I can add her assets to my existing account? It would be nice to see everything in one place but I know the whole Individual Retirement Accou...
by Toons
Fri Jul 18, 2014 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just set up VG acct, can I combine household assets?
Replies: 4
Views: 263

Re: Tobins Q as market valuation metric

For Me,,,,Tobins Q=Noise :happy
Keep it Simple,Save,Invest-For Life. :happy
by Toons
Fri Jul 18, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Tobins Q as market valuation metric
Replies: 42
Views: 2017

Re: Honda Fit, Civic

We currently own a 2012 Honda Fit,and it has been an enjoyable experience owning it.I have been visiting dealerships in the area examining the "upgrades" to the 2015 Fit and plenty there are,roomier,a few more horsepower,along with upgraded technology features.Regarding the traction in the...
by Toons
Fri Jul 18, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 2990

Re: Can't decide to keep 401k with previous employer or move

If your undecided,don't rush into anything .We currently have a 401K with a prior employer(now retired).The funds offered are institutional funds with Fidelity and Vanguard .That coupled with the extremely low administrative costs of the Company Plan(managed by Fidelity),give us no reason to make a ...
by Toons
Fri Jul 18, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 28
Views: 2067

Re: If you own a car, do you have a car payment?

Own vehicles :happy
by Toons
Fri Jul 18, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6159

Re: Leo Tolstoy, a Boglehead

As for 1,2,3,4,5,6,7,9,10,,,,,I'll have to pass,Cheers :sharebeer
by Toons
Thu Jul 17, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Leo Tolstoy, a Boglehead
Replies: 8
Views: 682

Re: Poll - Do You Read Businessweek?

Nope it has been years :happy
by Toons
Thu Jul 17, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1820

Re: Should I use margin to buy a balanced fund?

Summed up in three words:
"Save then invest" :happy
by Toons
Wed Jul 16, 2014 7:10 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 89
Views: 4805

Re: POLL: Walmart vs Amazon

Purchased a fan @ Amazon 3 days ago,price 37.99,checked price on line next day it had dropped to 32.99. Went to account ,to chat,they greeted me in 5 seconds,mentioned price difference,asked nicely for 5.00 credit, 6 seconds later agent asked me to check my email,credit issued,once again Service,Se...
by Toons
Wed Jul 16, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7960

Re: POLL: Walmart vs Amazon

Purchased a fan @ Amazon 3 days ago,price 37.99,checked price on line next day it had dropped to 32.99. Went to account ,to chat,they greeted me in 5 seconds,mentioned price difference,asked nicely for 5.00 credit, 6 seconds later agent asked me to check my email,credit issued,once again Service,Ser...
by Toons
Wed Jul 16, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7960

Re: New $35000 to Roth IRA - Dollar Cost Averaging???

Lump Sum.
It is Time in the Market Not Timing :happy
Keep It Simple
by Toons
Tue Jul 15, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New $35000 to Roth IRA - Dollar Cost Averaging???
Replies: 13
Views: 969

Re: TSM OR tARGET RETIREMENT 2060?

2060,Let it Ride :happy
by Toons
Tue Jul 15, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM or Target Retirement 2060?
Replies: 6
Views: 710

Re: Debt Payoff Plan - Student/Car Loans

Sell your car for $13k. Buy a $5k car. Plop the other $8k on your student loans. "Sacrifice" for 12 months and pay $3,100/month on your remaining $38k student loan. Bam! you are debt free in approximately 1 year. Save for 6 months, buy a $20k car with cash. I channeled Dave Ramsey for tha...
by Toons
Tue Jul 15, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Plan - Student/Car Loans
Replies: 9
Views: 1098

Re: New Investor with Class A fund blues

Screwed is somewhat of a relative term. I am in the process of repainting my son's bedroom. I could have hired someone to do it for me instead but it would have cost me quite a bit more to do so. That doesn't mean that I would be getting screwed by the painter if I went that route. It is a choice I...
by Toons
Tue Jul 15, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2034

Re: Oil Change due: Synthetic vs Regular Oil

1210, After reviewing the owner's manual (page 9-2) for your car online, you appear not to have a high-performance turbo engine or an engine that requires a pure synthetic oil. The manual says use a 5W-30 oil and I would do so with any good quality SAE oil. Changing oil every six to eight months is...
by Toons
Tue Jul 15, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2729

Re: New Investor with Class A fund blues

However, I must ask the following question: If Class A shares are so awful, why do so many people invest in them? Are they just simply unaware of the cost ramifications? American Funds have billions in assets, surely there's some logic to the madness, right? I'm not being snarky, I really want to k...
by Toons
Tue Jul 15, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2034

Re: Company just offered a Roth 401K option. Should I use i

I am glad that a Roth 401(k) was not available at work. It would benefit probably only 1% of the employees and that 1% would be those who made the most money and would be working until age 70. That is, it would benefit the people who didn't need any more benefits.[...] I disagree. I happen to belie...
by Toons
Tue Jul 15, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company just offered a Roth 401K option. Should I use it??
Replies: 20
Views: 1175

Re: But why not 100% stock index fund?

" it's retirement accounts that I can't touch for another 20 years" If you are truly convinced and you even sign an investment contract with yourself that you will not sell ,but in fact continue buying during a long ,extended bear market then no doubt 100% equities.That is what I did at a...
by Toons
Tue Jul 15, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 6962

Re: New Investor with Class A fund blues

Quit kicking yourself. :happy You have paid the loads ,it is not the end of the world and it would not be the end all if you kept them for years. I still have some American Funds and a few others that I have owned for decades but have not lost any sleep over owning them ,they have done fine,could be...
by Toons
Tue Jul 15, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2034

Re: Invest Life Insurance Proceeds

Before you put "some of the money" in a Money Market Account,,consider these numbers(from Vanguard site). :happy
There are other alternatives,with a slightly higher yield for liquidity. :happy
One yr:0.01%
Three yr-0.03%
five yr-0.05%
by Toons
Tue Jul 15, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest Life Insurance Proceeds
Replies: 3
Views: 392

Re: If you had $100K how would you invest it?

"Pay down the Mortgage with the 100k while you learn about asset allocation. You can't go wrong with that."


+1 :happy
by Toons
Mon Jul 14, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had $100K how would you invest it?
Replies: 10
Views: 2206
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