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Re: Do you use a phone book?

Have not used a paper phone book for 8 years :happy
by Toons
Sun Nov 23, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 20
Views: 480

Re: Send text messages from PC to Cell Phone

bogleblitz wrote:
Sunny Sarkar wrote:
jebmke wrote:Google Voice

+1



+2

https://www.google.com/voice


+3 :happy
by Toons
Sat Nov 22, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 15
Views: 1324

Re: 23 year old... Can I afford a Rolex?

Buy it :happy
by Toons
Sat Nov 22, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 120
Views: 5560

Re: Storing/Organizing Memory Sticks

I would copy all the data on the memory sticks to my Google Drive folders and label them.,,,,just sayin :happy https://support.google.com/drive/answer/2424384?hl=en I wouldn't solely rely on google, as this guy found out when his wife's email was deleted by a hacker- http://www.theatlantic.com/maga...
by Toons
Sat Nov 22, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Storing/Organizing Memory Sticks
Replies: 23
Views: 1141

Re: Learning to Type

Here a couple of free sites I use to keep my typing skill sharp :happy

http://www.typingweb.com/

http://www.powertyping.com/
by Toons
Sat Nov 22, 2014 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1657

Re: Dog food - how cheap is too cheap?

We have been feeding our 12 year old terrier,,,Ol Roy (3lb bag) from Walmart since the beginning of time.
The little guy is in excellent health,,,,,guilt feelings,????Hardly :happy
by Toons
Sat Nov 22, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 32
Views: 1591

Re: Storing/Organizing Memory Sticks

I would copy all the data on the memory sticks to my Google Drive folders and label them.,,,,just sayin :happy

https://support.google.com/drive/answer/2424384?hl=en
by Toons
Sat Nov 22, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Storing/Organizing Memory Sticks
Replies: 23
Views: 1141

Re: POLL: Do you personally own a cell phone?

Picked this up yesterday @Walmart,,been a Straight Talk customer for quite a while,nice upgrade good price point Unlimited 42.50 per month,,,went into my account online 2.50 per month discount being offered for a limited time. http://www.walmart.com/ip/Straight-Talk-LG-L41C-Prepaid-Android-Smartphon...
by Toons
Sat Nov 22, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 48
Views: 2174

Re: POLL: Do you personally own a cell phone?

Who doesn't? :happy
by Toons
Sat Nov 22, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 48
Views: 2174

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I put TurboTax behind me years ago:
Received this via email confirmation a few months ago.

"TaxACT Online 2014 Deluxe, your Federal return is $9.99 and the
State return fee is $6.00." :happy
by Toons
Sat Nov 22, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 82
Views: 8126

Re: Tell me about FitBit - is it worth having?

Fitbit works fine,,,,we just ordered this device in link below.Read up on the device and the why the pricing info is set the way it is. :happy (not affiliated) http://www.pivotalliving.com/#!pivotal-tracker-1/c1sre http://www.broadwayworld.com/bwwgeeks/article/Three-Reasons-You-Should-Buy-This-Fitne...
by Toons
Sat Nov 22, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about FitBit - is it worth having?
Replies: 27
Views: 2444

Re: Social Security 62 vs 66

Didn't over think it took SS at age 62,,,24 months ago,,not one regret,best decision I could have made. :sharebeer
by Toons
Sat Nov 22, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 54
Views: 3809

Re: best bank for online billpay

Cap One 360 works for me,no paper,no checks :happy
Interest Bearing

https://home.capitalone360.com/online-checking-account
by Toons
Sat Nov 22, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 21
Views: 1178

Re: Vanguard launches new offering ... [Vanguard merchandise

28 bucks for an umbrella,,,,35 for golf balls?hmmmm,,,,I'll pass :happy
by Toons
Tue Nov 18, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 102
Views: 9664

Re: Who is mailing Holiday Cards this year?

No cards :happy
by Toons
Fri Nov 14, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3105

Re: Vanguard Capital Gains

Correct. I don't know why I think like that, but I just prefer to not sell what I have. Whatever helps me sleep at night :happy +1 Kudos to you.Do what is right for you .Take the distribution in cash,don't sell any shares. That is what I am doing with several equity funds I own,taking the gains in ...
by Toons
Wed Nov 12, 2014 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2562

Re: Amazon Echo (Alexa)

I will buy one :happy
by Toons
Tue Nov 11, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3784

Re: Question about reinvesting dividends

We have all ways reinvested dividends from funds held in tax-protected accounts. We want everything automatic that can be. Before retirement also reinvested dividends in the joint taxable account, also to keep things automatic. We stopped automatic reinvestment about a year before retirement to avo...
by Toons
Tue Nov 11, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about reinvesting dividends
Replies: 7
Views: 628

Re: If your networth is over $3 million, how did you do it?

Live beneath your means for decades,Take advantage of any 401k,IRA and max every year.Never incur debt other than house payment(15 year mortgage),work to pay it off.Invest early and as often as possible in equity funds so that the compounding machine can go to work for you. :happy
by Toons
Tue Nov 11, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 244
Views: 22137

Re: Vanguard Capital Gains

Time frame of fund ownership has no bearing on whether you will receive year end capital gains distributions. :happy
by Toons
Tue Nov 11, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2562

Re: What if your investable assets rise significantly?

At this stage of life spend some,share with family :happy
by Toons
Tue Nov 11, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: What if your investable assets rise significantly?
Replies: 19
Views: 2019

Re: Local bank without any checking account fees?

Capital One 360 checking,,,NO fees,someone gives you a check,,snap a picture of it with your phone and deposit,,whoosh,

https://home.capitalone360.com/online-checking-account

http://helpcenter.capitalone360.com/ing ... MOBILEBAS2
by Toons
Mon Nov 10, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2227

Re: Sunday morning musing - dividend stocks

I did something entirely un-boglehead like in September 2013. At that time I sold my business and had some extra cash. Most of it I invested according to our allocation but I kept a fairly large amount to "blow" as a reward for 2+ decades of long hours, lots of stress, and all that goes w...
by Toons
Sun Nov 09, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Sunday morning musing - dividend stocks
Replies: 11
Views: 1201

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

Thank You Everyone. I'll be doing some more research although my wife just gave me her old copy of Quicken Home and Business 2008. I'm checking it out - although it doesn't seem to work too well. I'm on Windows by the way. I downloaded 2014 Deluxe from Amazon last year,caught it on special around 3...
by Toons
Sat Nov 08, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 1132

Re: Should we refinance?

Re-Fi Only when you can go 15 years :happy
by Toons
Sat Nov 08, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we refinance?
Replies: 30
Views: 1713

Re: Aggressive Mortgage Paydown

I wanted to update everyone on the past year or so since I've posted. I got a bit more aggressive on the paydown than I initially planned, and was able to reduce my mortgage deb from $310k in Oct-13 to $180k in Jul-14. At that point, I decided to refi into a 5/5 with Penfed at 2.75%. I'm still aggr...
by Toons
Sat Nov 08, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Aggressive Mortgage Paydown
Replies: 47
Views: 6069

Re: Thinking about buying an individual stock NSC

Thomas No matter how many shares of any equity asset class you buy whether it is a mutual fund or a stock,reinvesting the dividends in additional shares is a key component of wealth creation over time(compounding).When the share price drops you get more shares for your money when reinvesting. I can'...
by Toons
Sat Nov 08, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3678

Re: Thinking about buying an individual stock NSC

Buy it ,reinvest the dividends,hold it for at least 20 years,preferably longer(for life).And don't waste time looking at stock quotes,,,,a total waste of time and energy. :happy
by Toons
Sat Nov 08, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3678

Re: When do you buy a new home computer?

The last 2 computers I have bought "for the home" have been a Samsung Chromebook and an Asus Chromebox :happy
by Toons
Fri Nov 07, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3999

Re: What would you do about Comcast over billing?

I also have Comcast. I went to our My Account page to try to look at my own data usage, but I can't find it anywhere. To find the data usage, go to My Account > My Services tab > click Xfinity Internet > scoll down (https://customer.comcast.com/MyServices/Internet) In terms of your good Samaritan i...
by Toons
Fri Nov 07, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: What would you do about Comcast over billing?
Replies: 15
Views: 1041

Re: letting profits run or sell...

I would hold for many more years :happy
by Toons
Thu Nov 06, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: letting profits run or sell...
Replies: 34
Views: 2578

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

Satisfied Quicken user here for many years,,nothing is perfect,but I have no complaints. :happy
by Toons
Wed Nov 05, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 1132

Re: made it through volatile October , hope to stay the cour

I , as a new boglehead, made it through October without doing anything, and trying to 'ignore the noise' , stay the course, and believe "I don't know , I don't care". I am hoping I can stay strong through any drops, crash, and try to stay true to my 10 year Investment Owner's contract. Oc...
by Toons
Wed Nov 05, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: made it through volatile October , hope to stay the course
Replies: 18
Views: 1158

Re: Should one auto-reinvest dividends in taxable?

cfs wrote:Keep it simple. Auto re-invest on all the accounts and call it a day.


+5 :sharebeer
by Toons
Tue Nov 04, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2039

Re: Bond funds as a savings vehicle?

I use Intermediate Term Tax Free and Total Bond for savings vehicles. :happy
by Toons
Tue Nov 04, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds as a savings vehicle?
Replies: 19
Views: 1728

Re: What do you set your thermostat to (in F)?

SpringMan wrote:68 nights, 70 days.


+1 :happy
by Toons
Tue Nov 04, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4458

Re: What do you set your thermostat to (in F)?

70 during the day 68 @ night
For many years kept it much lower,,no more, I am going to be comfortable. :happy
by Toons
Tue Nov 04, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4458

Re: Should one auto-reinvest dividends in taxable?

I re-invested for about 3 decades in taxable accounts and recently have been taking the dividends ,cap gains in cash,enjoying the funds while in retirement. Regarding taxes ,,etc,,never gave it much thought.Brokerages keep the cost basis records so when selling shares which I rarely do,the cost basi...
by Toons
Tue Nov 04, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2039

Re: What to do with a million

I'm that person that live next door that you didn't know is a millionaire. I live on $40,000 a year before taxes. I've been retired for 6 years and I'm 62. I have 1 million that I want to invest for about 15 years I do not need the money. I'm a Vanguard all my life. What would you do with a my mill...
by Toons
Tue Nov 04, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with a million
Replies: 26
Views: 3855

Re: AA...any other crazy 80/20 folks out there?

I started investing at age 29,,,almost 100% equities,Age 64 now,,,about 72/28 now,equity/bond,cash :happy
by Toons
Tue Nov 04, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4757

Re: What's worrying Vanguard's CEO

John3754 wrote:So what can I do about it?


Don't worry about it :happy Just save and invest ,,enjoy life
by Toons
Mon Nov 03, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: What's worrying Vanguard's CEO
Replies: 14
Views: 2767

Re: 5 things you don't know about Vanguard

pkcrafter wrote:Thanks, I passed the test. I knew all five.

Paul


Yep ,Me too :happy
by Toons
Sat Nov 01, 2014 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: 5 things you don't know about Vanguard
Replies: 21
Views: 4668
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