Search found 6233 matches

by Toons
Mon Jun 29, 2015 5:01 pm
Forum: Investing - Theory, News & General
Topic: "Target Date Funds Are Riskier Than You Think"
Replies: 32
Views: 4210

Re: Target Date Funds ?

Thoughts? tech_arch: After reading the article and links, my "thoughts" is that Mr. Ritter needed something to write about. In my opinion, a suitable Vanguard low-cost Target Date Fund (12 choices) in a tax-advantaged account is a superior way to invest. Target Funds are designed by Vangu...
by Toons
Mon Jun 29, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 25
Views: 2404

Re: Amazon getting too smart?

To anwer your question,
Amazon is brilliant ,due to the people it hires,check out what it takes to get a job with them :happy

http://www.wsj.com/articles/SB100014240 ... 3045398344
by Toons
Mon Jun 29, 2015 4:56 pm
Forum: Investing - Theory, News & General
Topic: IRA contributions for partial year
Replies: 7
Views: 531

Re: IRA contributions for partial year

If a person retires May 1st and has no further earned income, how is the maximum allowable IRA contribution calculated for that year? Is it $6500 / 12 = x 3 months or something else? Many thanks. The IRA contribution limit is not prorated when working part of a year. In order to be eligible for $65...
by Toons
Mon Jun 29, 2015 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4109

Re: are these legit Vanguard reviews?

Ignore those reviews :happy
by Toons
Mon Jun 29, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellington Fund
Replies: 7
Views: 775

Re: Vanguard Wellington Fund

Invest in Wellington and Index funds :happy
by Toons
Mon Jun 29, 2015 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: No gain in 9 months of investment
Replies: 23
Views: 3828

Re: No gain in 9 months of investment

When investing,think in terms of 10 year increments,no shorter,you will do yourself a huge favor. :happy
by Toons
Mon Jun 29, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 48
Views: 3065

Re: Smart phone data usage

My question is how can I estimate how much data I might use? Is it based on minutes or hours of time spent or some other metric? It's based on data used. There are estimating tools out there that you can try but your best bet is to use it as you intend to use it and monitor your usage. fyi: Data Ca...
by Toons
Sun Jun 28, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 79
Views: 7644

Re: dow futures down 200+ points

A little over 1%?
Lets have a day like Oct.87.....22% down.
Great Opportunity :happy
by Toons
Sat Jun 27, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 5784

Re: Bogleheads are more aggressive...

"more accepting of volatility, understanding of the long term benefits of equity ownership, and willing to tolerate short term losses than average investors" +1 Volatility is an INHERENT part of investing,be thankful for it and accept it . That is how wealth is created during bear markets...
by Toons
Sat Jun 27, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 48
Views: 3065

Re: Smart phone data usage

Straight Talk LG phone here. I stream pandora music a LOT everyday via bluetooth at home and in the car. Added to that I use it for web browsing,email,gps,,etc ,but rarely watch video. I just checked my data usage on the phone for the last 28 days. 1.06 gigabyte. I have never reached the 3 gig limit...
by Toons
Fri Jun 26, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Google Map: How To See Traffic Far Away
Replies: 25
Views: 1920

Re: Google Map: How To See Traffic Far Away

"So how does Google know what traffic is like on the roads, nearly all the time? From our smartphones, of course. Whether you like it or not, “telephone companies have always known where your phone is ,” Dobson says, because cell phone companies need to use location to appropriately charge cust...
by Toons
Thu Jun 25, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $200,000.
Replies: 7
Views: 1921

Re: What to do with $200,000.

I use Google Books a lot to research topics.
You may not get the complete book but there is much to learn from what is offered.
And best of all.........
"Find millions of great books you can preview or read for FREE. :happy

https://books.google.com/
by Toons
Thu Jun 25, 2015 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: tap IRA to pay off CC debt?
Replies: 31
Views: 3075

Re: tap IRA to pay off CC debt?

Forget tapping the IRA,just reduce your spending save more and pay it off,, :happy
by Toons
Thu Jun 25, 2015 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Personal accounting software
Replies: 23
Views: 2875

Re: Personal accounting software

Quicken for 25 years here,it has been invaluable to say the least,2015 Deluxe,Picked it up for 30.00 on sale in January,Amazon :happy
by Toons
Tue Jun 23, 2015 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Holding a LifeStrategy Fund in a Taxable Account
Replies: 18
Views: 1875

Re: Holding a LifeStrategy Fund in a Taxable Account

I own Lifestrategy Conservative Growth in a Taxable accout ,35% qualified dividends last year,it is what it is,fits my risk profile,I take the dividends and cap gain in cash and spend it.(retired now its time to spend)No complaints,Could be better could be worse,I quit letting the tax tail wag the d...
by Toons
Tue Jun 23, 2015 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 45
Views: 4007

Re: Portfolio suggestion for toddler

Grt2bOutdoors wrote:Start with Star fund until you get to $3k minimum investment - then use Vanguard Total Stock Market Index.


+1 :happy
by Toons
Tue Jun 23, 2015 1:48 pm
Forum: Investing - Theory, News & General
Topic: Why tilt to bonds in retirement?
Replies: 29
Views: 3836

Re: Why tilt bonds in retirement?

Retired here,75/25 Equity ,bond :happy
by Toons
Tue Jun 23, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 18686

Re: What was the 2008 crash like in real time?

Yes I stuck to my strategy of accumulating more shares of equity funds as markets trended down and equity allocation was shrinking. :happy
by Toons
Tue Jun 23, 2015 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 4319

Re: Best Advice

InvestorNewb wrote:
livesoft wrote:Save and invest half your before-tax income from age 16 to retirement.

Like anyone can seriously do this...not without mooching off somebody else or living in a cardboard box.


+1
LOL :D
by Toons
Tue Jun 23, 2015 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 4319

Re: Best Advice [Best single piece of advice to give a new investor]

Live Beneath Your Means,for decades,Invest consistently in low cost index funds,and REMAIN CALM and Patient through bull and bear markets. :happy
by Toons
Tue Jun 23, 2015 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Response from advisor on fees - yikes!!!
Replies: 4
Views: 1316

Re: Response from advisor on fees - yikes!!!

What's done is done,move forward :happy
by Toons
Mon Jun 22, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Use Roth IRA to remodel house?
Replies: 18
Views: 2004

Re: Use Roth IRA to remodel house?

"Is it stupid to use the Roth IRA to remodel the house and limit future retirement savings to the TSP?" I am not going to say it is "stupid",maybe not the wisest choice to make though. Continue to take full advantage of all the tax free and tax deferred compounding you can that ...
by Toons
Mon Jun 22, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: shopping for insurance
Replies: 13
Views: 1425

Re: shopping for insurance

"What is the best way to shop for insurance?" Well ,speaking for myself I went to the Geico website quite a few years back and entered some data and received a quote almost immediately for my auto insurance.You can do the same with many other insurance carriers. Showed the quote to my Sta...
by Toons
Mon Jun 22, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: No bonds?? All Equity portfolio in 20s
Replies: 70
Views: 7553

Re: No bonds?? All Equity portfolio in 20s

Twenties and Thirties,,,all equity....Just keep investing and hang on for the rollercoaster ride.
Remember,the strongest organ when it comes to investing is the gut not the brain.
You will be rewarded if you stay the course and let others panic when there is blood in the street. :happy
by Toons
Sun Jun 21, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: Need to replace refrigerator, buying advice?
Replies: 7
Views: 914

Re: Need to replace refrigerator, buying advice?

canderson wrote:
Toons wrote:This prior thread may give you some insight :happy

viewtopic.php?t=133168

Search never brought that up (or I never saw it somehow). Thank you!



:thumbsup
by Toons
Sun Jun 21, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: Need to replace refrigerator, buying advice?
Replies: 7
Views: 914

Re: Need to replace refrigerator, buying advice?

This prior thread may give you some insight :happy

viewtopic.php?t=133168
by Toons
Sun Jun 21, 2015 4:08 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 13221

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

I am a Boglehead,I own low cost index funds. :happy
I am not a Boglehead,I own Front load managed funds. :happy
by Toons
Sun Jun 21, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 141
Views: 18291

Re: When saving money becomes an irrational obsession

I think we see more than one of these here on BH. Like the person that has pensions and SS covering 100% of their yearly expenses AND has a 7-figure portfolio to boot and is worried if they can retire. So frugal in their life time and they will be the richest guys in the graveyard. :shock: +1 :happy
by Toons
Sun Jun 21, 2015 8:46 am
Forum: Personal Finance (Not Investing)
Topic: One-Two Punch for my credit card game
Replies: 62
Views: 7584

Re: One-Two Punch for my credit card game

And Dave Ramsey says he never met anyone that got rich from their cc rewards! Mike +1 The game is just too much hassle for me...and I dare say it will compel me to probably spend more than I want to on the credit cards so as to meet the requirements for the bonuses. I'll take a pass too +2 Couldn't...
by Toons
Sat Jun 20, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs
Replies: 237
Views: 24887

Re: Warning Signs

"So it's still too early to say for sure, but indicators of economic health are deteriorating."

Thanks for the good news,stock prices need to go down ,so we can accumulate :sharebeer
by Toons
Sat Jun 20, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Norton Anti-Virus
Replies: 12
Views: 1782

Re: Norton Anti-Virus

mhalley wrote:Most bogleheads would say that they use one of the free antiviruses and don't bother with the paid ones. There are many good free ones out there.
Avast, AVG, Microsoft, etc.
Mike



+1 :happy
by Toons
Sat Jun 20, 2015 9:54 am
Forum: Personal Consumer Issues
Topic: Vanguard's newish email alerts & security
Replies: 19
Views: 1855

Re: Vanguard's newish email alerts & security

Not bothered at all :happy
by Toons
Fri Jun 19, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9663

Re: Free Windows 10 Upgrade, Yes or No?

Yes :happy
by Toons
Thu Jun 18, 2015 2:14 pm
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4615

Re: New to Golf

My current set of clubs I bought at Wal-mart,,thats right Wal-Mart. The "average" golfer who doesn't break a 100 in my estimation is wasting his or her money on higher end clubs. Agreed. My current set of irons are home-mades and a LOT less spendy than the Titlest, TM and Cobra sets I've ...
by Toons
Thu Jun 18, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 32
Views: 5504

Re: I'm Giving Up Golf

Well If you want to watch some good golf,Fox is doing a superb job of presenting the 2015 US open,,streaming :happy

Click on Live Video :happy

http://www.usopen.com/en_US/video/liveVideo.html
by Toons
Thu Jun 18, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: Betterment Review
Replies: 79
Views: 6444

Re: Betterment Review

wfrobinette wrote:
Toons wrote:"I have way too Many passwords to remember."

LastPass,,just saying :happy


Lastpass was hacked last week.


And? :happy

http://www.macworld.com/article/2936663 ... to-do.html
by Toons
Thu Jun 18, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4615

Re: New to Golf

Over the years I have played quite a lot of golf,at one point I was a 10 handicap. My current set of clubs I bought at Wal-mart,,thats right Wal-Mart. The "average" golfer who doesn't break a 100 in my estimation is wasting his or her money on higher end clubs. A few pointers,develop the p...
by Toons
Thu Jun 18, 2015 9:04 am
Forum: Investing - Theory, News & General
Topic: Betterment Review
Replies: 79
Views: 6444

Re: Betterment Review

"I have way too Many passwords to remember."

LastPass,,just saying :happy
by Toons
Wed Jun 17, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Any reason not to take the cellphone subsidy?
Replies: 14
Views: 2193

Re: Any reason not to take the cellphone subsidy?

I am sure you are going to get a lot of replies to this thread :happy ,so I will be the first.
I have used straight talk for years,Verizon is the carrier,unlimited(3g ,throttled back until the next cycle)
45 a month. :happy
by Toons
Wed Jun 17, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: iphone 4/ipad/ipod touch older model charging cables
Replies: 7
Views: 771

Re: iphone 4/ipad/ipod touch older model charging cables

Thanks Toons. I had looked on Amazon before but that price was better than anything I had seen before. Most of the comments were very favorable but there were a few that gave me pause, mentioning smoke, sparks, or possible damage to the jacks in the Apple products. These were possibilities I hadn't...
by Toons
Wed Jun 17, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Times changed - what next
Replies: 13
Views: 2073

Re: Times changed - what next

Cash: $231,495: Credit card debt -$6,036 - this is month to month expenses we pay off in full each month Student loan 1 4.625% - $20,357 Student loan 2 2.75% - $33,588 Medical bill ~$6,000 - waiting on final bill Car Loan 0.99% - $7,800 Pay off all the loans with cash,then regroup. You will be thin...
by Toons
Wed Jun 17, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Dress Shirts: Off The Rack + Tailored Or Made to Measure
Replies: 15
Views: 1552

Re: Dress Shirts: Off The Rack + Tailored Or Made to Measure

I puchase shirts at Sams or Walmart,,,,if they don't work out return them :happy

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