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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: 9
Views: 690

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: 11
Views: 3783

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: 6372

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: 1011

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: 80
Views: 3575

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: 99
Views: 9408

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: 920

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: 99
Views: 9408

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: 2150

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: 38
Views: 3574

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: 1988

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: 1645

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: 1610

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: 381

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: 78
Views: 5487

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: 1330

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: 733

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: 110
Views: 7516

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: 2441

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: 53
Views: 3096

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: 781

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

I will say that in general most repairs don't make sense on a cost/benefit analysis. +1 Tend to agree given what they cost these days.If one has a hardware issue,then that is parts and labor you pay to a shop.It it is software,then that can usually be fixed without going to a shop.Virus removal is ...
by Toons
Wed Oct 22, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 781

Re: When to think about tax lost harvesting

I have found myself waiting till December over the years.So far nothing to losses to harvest this year,,,no complaints at all. :happy
by Toons
Wed Oct 22, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: When to think about tax lost harvesting
Replies: 19
Views: 1404

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

Hello: As always I'd like to thank each and everyone for your time in replying to my previous inquiries.......Thank you! I live in a rural area of Fl,and PC repair shops are in its infancy........Do you have any suggestion as how to locate a reliable PC repair shop?.Many thanks for your input! :( W...
by Toons
Wed Oct 22, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 781

Re: "You're invited to...." (nonsense talk and dinner)

Go for the meal :happy But remain steadfast and do not succumb to persuasion :happy :happy
by Toons
Tue Oct 21, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 68
Views: 4063

Re: Sharebuilder, large account bonus - Good funds to use?

$600 is less than 1/2 of one percent of $125,000 and after fees you'll wind up with less than $600 so probably not worth the trouble but to each their own. Sharebuilder offers several Vanguard mutual funds the trade fee is $20 for mutual funds. My suggestion would be to move the money into one of V...
by Toons
Tue Oct 21, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Sharebuilder, large account bonus - Good funds to use?
Replies: 29
Views: 1057

Re: Vanguard rides wave of success

Compared with its rivals over the last 20 years, it's instructive to see Vanguard's growth of market share for all U.S. mutual funds and ETFs (chart below). There can't be much doubt that Vanguard's steady growth is driven by the much lower cost of its offerings. These are the industry's asset-weig...
by Toons
Tue Oct 21, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard rides wave of success
Replies: 3
Views: 1132

Re: Stocks as long term investments

Oh go ahead and buy a handful of stocks it you want to,its not a Crime :happy .JNJ,KO,WFC,XOM,MCD,PEP.AXP. I won't go back to the risk of it, or I would only keep it as 5% of my portfolio, but I wouldn't leave out MO, NSC, and D if you want individual stocks, but as other wise members advise index ...
by Toons
Tue Oct 21, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks as long term investments
Replies: 54
Views: 3974

Re: Stocks as long term investments

Oh go ahead and buy a handful of stocks it you want to,its not a Crime :happy .JNJ,KO,WFC,XOM,MCD,PEP.AXP.
by Toons
Tue Oct 21, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks as long term investments
Replies: 54
Views: 3974

Re: POLL: How fulfilling is your retirement?

Thanks for this poll. I believe that retirement will be fulfilling, but wonder if my life has been molded around my work for so long, that I will find myself adrift. It's good to know that this is not the case for the majority responding to the pool. This makes me less worried. I think it is a comm...
by Toons
Tue Oct 21, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2995

Re: Can Navigation be added to a new Toyota Sienna?

I would not do it. 3/4 of our cars have built-in standard GPS. 3/4 of our cars have peripheral devices (2 TomTom and 1 Garmin). I am transitioning to using my phone for GPS; Google Maps seems to make better route choices than any of the built-ins and usually better than the peripheral devices. Addi...
by Toons
Tue Oct 21, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Can Navigation be added to a new Toyota Sienna?
Replies: 7
Views: 406

Re: Can a homemaker use a Roth & i401k?

"A non-working spouse can open a Roth IRA based on the working-spouse’s earnings (and the couple’s tax filing status)" :happy

http://www.rothira.com/roth-ira-rules
by Toons
Tue Oct 21, 2014 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Can a homemaker use a Roth & i401k?
Replies: 14
Views: 984

Re: funding roth ira for son

As has been mentioned have him do it himself.He will be contributing to his Roth in the future so why not set the account up now.Vanguard makes it extremely easy to perform this task on line online.After he sets up the account he could use the "mobile check investment" feature to deposit h...
by Toons
Mon Oct 20, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: funding roth ira for son
Replies: 10
Views: 1151

Re: 2nd Opinions on Bond Alternatives?

FRANK2009 wrote:I can't offer much help regarding those two investments other than my intuition says they are probably good for the advisor's commission.


+5 :happy
Stick with TBM :happy
by Toons
Mon Oct 20, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 35
Views: 2128

Re: Help Choosing Investments and Coordinating Debt Paydown

Gronnie,,,,,Dave Ramsey for paying down and then paying off debt.Forget his investing advice though.
Keep it simple.Its a matter of behavior changing. :happy
In a Nutshell

http://www.daveramsey.com/new/baby-steps/
by Toons
Mon Oct 20, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Investments and Coordinating Debt Paydown
Replies: 32
Views: 1538

Re: DOW Watchers Stomach Syndrome

What happened this day last year,,,last week,,I either don't know or have forgotten :happy
by Toons
Mon Oct 20, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2088

Re: UGMA Custodial Account Redemption

They may have invested in mutual funds,in that case when the :happy fund is liquidated you would pay taxes on capital gains,or you may capital losses.
by Toons
Mon Oct 20, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA Custodial Account Redemption
Replies: 5
Views: 379

Re: Smartphone questions

FYI :
Straight Talk

"After 3 GB, your data speed will be reduced for the remainder of the 30 day cycle. High speed data is restored once a new 30 day service plan is redeemed at the end of the 30 day plan cycle." :happy
by Toons
Mon Oct 20, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 68
Views: 4233

Re: How do you wash your car?

I hand wash myself once a month and run it through the Costco car wash once per month. I have a 2008 CRV and between the wash/wax and garage storage it still looks great. I think the extra time/ money spent helps keep value up. I'm surprised to see how many people use the rain to wash. Of course I ...
by Toons
Mon Oct 20, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6372

Re: online shopping for laptop PC

Depends on what you want to do.Other than using Quicken software on my desktop or laptop,I find myself using Samsung Chromebook most of the time.But to answer your question.Wal-Mart,Sams,Costco,Amazon all offer excellent prices and a generous return policy. :happy http://www.walmart.com/ip/Acer-Nigh...
by Toons
Mon Oct 20, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 23
Views: 1289

Re: Smartphone questions

FYI:Upgraded the wifes phone from an LG that was also with StraightTalk to this Ultimate 2-3g(1.2ghz dual core) priced @129.00 So far it has surpassed our expectations in all areas of operation.Not a "high end"phone but reasonably priced,consider a very good value. :happy http://i60.tinypi...
by Toons
Mon Oct 20, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 68
Views: 4233

Re: How do you wash your car?

Works great for drying the vehicle. :happy

http://www.walmart.com/ip/Absorber-High ... l/16767897
by Toons
Mon Oct 20, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6372

Re: DOW Watchers Stomach Syndrome

Sidney wrote:
Toons wrote:"As I walk away from watching the recorded news"

Why don't you try recording something different,,something like re-runs from the TV-Land channel, :sharebeer

or pro-wrestling. Sometimes hard to tell the difference between that and cable news.



:sharebeer
by Toons
Mon Oct 20, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2088

Re: How do you wash your car?

Didn't mean to set off a firestorm here. :oops: Since I don't have a garage and my car is exposed to the elements constantly - I tend to forget that other people (maybe more prosperous than me) do have garages to keep their cars. So, to start over again :P Is it okay to say that people whose cars s...
by Toons
Mon Oct 20, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6372

Re: DOW Watchers Stomach Syndrome

"As I walk away from watching the recorded news"

Why don't you try recording something different,,something like re-runs from the TV-Land channel, :sharebeer
by Toons
Mon Oct 20, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2088

Re: How do you wash your car?

I wash vehicles,including RV with Meguiars Ultimate Wash & Wax on a frequent basis :happy

http://www.amazon.com/Meguiars-G17748-U ... sh+and+wax
by Toons
Mon Oct 20, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6372
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