Search found 5733 matches

Return to advanced search

Re: Managing a larger portfolio with possible life changes a

Remain with Portfolio Solutions and or call Vanguard to see what they can offer you before you seek other options,,, :happy
by Toons
Sun Mar 01, 2015 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managing a larger portfolio with possible life changes ahead
Replies: 12
Views: 361

Re: Market Cycle Psychology

For those of you who have been in the market for awhile... Do these sentiments accurately reflect the moment by moment feelings, or is it only after the cycle has progressed you can say "oh that was X stage"? Very early in my investing days 35 or so years ago ,it was in hindsight that I w...
by Toons
Sun Mar 01, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 9
Views: 255

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

RunningRad wrote:Two professional incomes, living in the Midwest, small inheritance, parents paid for my education, invested early and often, paid off house in 10 years, avoided other debt, hobbies that do not consume cash, avoided close calks with second home, dress like a hobo ;)


Excellent :thumbsup
by Toons
Sun Mar 01, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 306
Views: 47490

Re: Market Cycle Psychology

acejacksingh wrote:Hmmmm.... I would say Relief. :happy


:thumbsup
by Toons
Sun Mar 01, 2015 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 9
Views: 255

Re: How to find a spouse who wants financial independence

basspond wrote:A couple of weeks after our first date I told my wife to be that I had a coupon for the restaurant but didn't think it was prudent to use. She asked Why not? We eventually went back and used the coupon. The restaurant is no longer in business but we still are.


Great! :happy
by Toons
Sun Mar 01, 2015 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 74
Views: 4655

Market Cycle Psychology

Where might we be in the cycle as we enter the almost 6 year rising market. :happy

Image
by Toons
Sun Mar 01, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 9
Views: 255

Re: Avoiding the jump to the 25% tax bracket

not to mention the 15% capital gains tax when you touch the 25% bracket :oops: You are limited to the amount of cap gains that is taxed at 0% when you are in the 15% bracket. The total of: earned income + qualified dividends + cap gains cannot be greater than $74.9k. Any cap gains that puts you ove...
by Toons
Sun Mar 01, 2015 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding the jump to the 25% tax bracket
Replies: 9
Views: 715

Re: Investing 1 Mill for 75 year old parent

abuss368 wrote:Vanguard Target Retirement Income Fund.



Good Choice. :happy
by Toons
Sun Mar 01, 2015 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing 1 Mill for 75 year old parent
Replies: 15
Views: 806

Re: How long will I l live? (mortality predictor)

Wow ,at the tender age of 64 I had no idea there were so many people younger than me :happy
by Toons
Sat Feb 28, 2015 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long will I l live? (mortality predictor)
Replies: 16
Views: 1649

Re: Does a Roth IRA make sense if you live in a high COL pla

Don't beat yourself up :happy You have invested money growing tax-shelterd and tax free. It could be a whole lot worse :happy I agree with this, you're really talking about degrees of good. You might have been better off maxing the 401k first, but you're still making good decisions. If anything, us...
by Toons
Sat Feb 28, 2015 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 81
Views: 2514

Re: Does a Roth IRA make sense if you live in a high COL pla

Don't beat yourself up :happy
You have invested money growing tax-shelterd and tax free.
It could be a whole lot worse :happy
by Toons
Sat Feb 28, 2015 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 81
Views: 2514

Re: iPhone upgrade

Get one on Ebay,unlocked

http://www.ebay.com/sch/i.html?ssPageNa ... 5205&rt=nc

Then go to Straight Talk and get a Sim Card
Unlimited 45.00 monthly

http://www.straighttalkbyop.com/shop.php
by Toons
Sat Feb 28, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 18
Views: 1132

Re: Does a Roth IRA make sense if you live in a high COL pla

GoldenFinch wrote:A Roth IRA is a great idea regardless of where you live. The benefit is the tax free growth. Do some more reading and fund your Roth.


+1 :happy
Correct,don't overthink it just fund the Roth. :happy
by Toons
Sat Feb 28, 2015 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 81
Views: 2514

Re: iPhone upgrade

Are you sold on Iphones,as there are plenty of less expensive smartphones and plans in the marketplace. :happy
by Toons
Sat Feb 28, 2015 8:51 pm
 
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 18
Views: 1132

Re: Analysis Paralysis - Stock Options

"I have a feeling most will say sell and reduce exposure!"

Without a doubt,,,include me :happy
We exercised ours before they expired
by Toons
Sat Feb 28, 2015 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis - Stock Options
Replies: 13
Views: 542

Re: Not everyone wants to retire early-BBC News

To each,their own :happy
by Toons
Sat Feb 28, 2015 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Not everyone wants to retire early-BBC News
Replies: 3
Views: 796

Re: How to Figure Step-Up Basis for Traditional Mutual Fund

My Mother passed several years ago.
I consider the stepped up basis for the mutual fund that was passed onto her heirs to be the NAV closing price on the date of her death.
by Toons
Sat Feb 28, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Figure Step-Up Basis for Traditional Mutual Fund
Replies: 9
Views: 349

Re: How to find a spouse who wants financial independence

"for those of you who were successful, any advice for me as to how I can identify her in advance? Does she like to shop? Is she in debt? Does she have any money saved? Does she live by a budget? Does she have a wallet full of credit cards? Is she driving a new car making outrageous payments? Do...
by Toons
Sat Feb 28, 2015 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 74
Views: 4655

Re: Social Security Taxation

85% of my SS benefit is taxed. :happy
by Toons
Sat Feb 28, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxation
Replies: 4
Views: 622

Re: How much was your Tax Refund (or amount DUE)

Retired
Calculated it pretty good with estimated taxes,will get a couple hundred back
State owe 2,000 :happy
by Toons
Sat Feb 28, 2015 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7125

Re: Wife doesn't want to retire - I do

- I'm assuming wife works for at least 5 years - I could just grit my teeth, and stick it out until my wife retires (this is financially the most lucrative option) - I could simply retire, and fill my time with grandchildren activities, volunteer work, more reading, more beach, etc - I could quit th...
by Toons
Sat Feb 28, 2015 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 42
Views: 3062

Re: Favorite chocolate candy

I keep a bag of these around ALL the time :happy

Image
by Toons
Sat Feb 28, 2015 10:15 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 28
Views: 1472

Re: Past, present, and future of Berkshire - Annual letter

Thanks,,,,Page 17-18 Make it worth the read for me ,it ends with

" Rather than listen to their siren songs, investors – large and small – should instead read Jack Bogle’s The Little Book of Common Sense Investing." :happy
by Toons
Sat Feb 28, 2015 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Past, present, and future of Berkshire - Annual letter
Replies: 29
Views: 2164

Re: Support this Site Idea

I donated earlier in the month :happy
It is the least we can do for this extraordinary forum.
by Toons
Fri Feb 27, 2015 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Support this Site Idea
Replies: 11
Views: 904

Re: Not "Staying the Course"

Was wondering if there are investment situations where you have not or would not stay the course? Can't think of one,,,,,well on the other hand,,,if the markets started heading South,,,a long slow decline over a period of a couple years or longer,(both 2000-2002 and 2007-2009 come to mind) I would ...
by Toons
Fri Feb 27, 2015 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4247

Re: Thoughts on adding Vanguard STAR to my portfolio

I recall many years ago ,as soon as the house was paid off I started investing the "hypothetical" mortgage payment in the Star Fund, immediately, every month without fail. I saw it was a balanced fund 60/40 ,paid dividends twice a year,and being a managed fund would pay out capital gains y...
by Toons
Fri Feb 27, 2015 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on adding Vanguard STAR to my portfolio
Replies: 5
Views: 692

Re: Roth contributions as long as you can?

airahcaz wrote:If one has the earned income and is still working into their 70's, doesn't it still make sense to contribute to Roth IRA, especially if the person doesn't need to tap it, and wants to leave it as maybe legacy?



Sure ,,why not :happy
by Toons
Fri Feb 27, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth contributions as long as you can?
Replies: 18
Views: 1863

Re: Roth and REITs

610gpm wrote:Is a Roth IRA generally a good place to hold a REIT?


Yes,any tax deferred ,tax free account :happy
by Toons
Fri Feb 27, 2015 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Roth and REITs
Replies: 5
Views: 717

Re: Anyone use LastPass credit monitoring?

Well I have been using the free credit monitoring with LastPass for several years and have seen no drawbacks. On a couple of occasions,,to be specific when I applied for a Sams Club Credit Card and an a Chase Amazon Card I was notified of a change in credit report which pertained to my application,...
by Toons
Fri Feb 27, 2015 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Anyone use LastPass credit monitoring?
Replies: 10
Views: 401

Re: Anyone use LastPass credit monitoring?

boroc7 wrote:Everything i have read or heard from with credit experts suggests these credit monitoring services are a complete waste of money and can guarantee little to no help whatsoever.



There is no fee,,it is free and they have informed me on a couple of occasions. :happy
by Toons
Fri Feb 27, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Anyone use LastPass credit monitoring?
Replies: 10
Views: 401

Re: Long-term gain (or loss) held less than a year?

I know what I would do I would call Vanguard and ask them specifically: "To review purchase transaction with you" "My shares were purchased 01/10/2013 and sold 01/06/2014, just under a year. "Why am I seeing a long term loss" "Why is there no acquistion date for purchas...
by Toons
Fri Feb 27, 2015 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-term gain (or loss) held less than a year?
Replies: 17
Views: 846

Re: Anyone use LastPass credit monitoring?

Well I have been using the free credit monitoring with LastPass for several years and have seen no drawbacks. On a couple of occasions,,to be specific when I applied for a Sams Club Credit Card and an a Chase Amazon Card I was notified of a change in credit report which pertained to my application,,...
by Toons
Fri Feb 27, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Anyone use LastPass credit monitoring?
Replies: 10
Views: 401

Re: Combo Laundry Room/Food Pantry

If you can afford it(pay cash) and everyone is Smiling :D ,,,Go for it!
by Toons
Fri Feb 27, 2015 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Combo Laundry Room/Food Pantry
Replies: 14
Views: 796

Re: Car Accident in Front Yard

Speaking for myself ,I would clean up the mess ,a little each day ,and move on. :happy
by Toons
Fri Feb 27, 2015 9:51 am
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 30
Views: 2260

Re: How much time do you spend on paperwork a week/month/yea

Everything is pretty much in digital format,or online.Rarely handling paper.
I spend about 30 minutes a week working with Quicken updating data,reviewing.
Maybe another 20 minutes a week reviewing other information. :happy
.
by Toons
Fri Feb 27, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: How much time do you spend on paperwork a week/month/yea
Replies: 3
Views: 310

Re: Beepi - a new way to buy a used car?

indexfundfan wrote:I see they have pretty good Yelp reviews.


Exceptional :happy
http://www.yelp.com/biz/beepi-los-altos-2
by Toons
Thu Feb 26, 2015 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 22
Views: 1803

Re: Beepi - a new way to buy a used car?

:happy

" In February, 2015, Wired reported Beepi had 56% growth month-over-month"

"Beepi is expected to face regulatory resistance and protests from local car dealers in some markets"


http://en.wikipedia.org/wiki/Beepi
by Toons
Thu Feb 26, 2015 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 22
Views: 1803

Re: Google likes this site

In order to eliminate all the possible ways Google might customize my search results, I decided to repeat the experiment using a freshly installed Tor browser in a linux virtual machine. A Google search on investment forum did indeed yield Bogleheads as the top result, excluding advertisements and ...
by Toons
Thu Feb 26, 2015 4:19 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1039

Re: Turning 40...Investment...Help Please

I will start with 1% of 500,000=5,000 in fees the first year. 5,000 in lost opportunity for you.And 1% every year after,not compounding for you. Since "most" of my posts are short and to the point ,others will soon post in more detail as to what your options might be regarding association ...
by Toons
Thu Feb 26, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Turning 40...Investment...Help Please
Replies: 17
Views: 1944

Re: Google likes this site

In order to eliminate all the possible ways Google might customize my search results, I decided to repeat the experiment using a freshly installed Tor browser in a linux virtual machine. A Google search on investment forum did indeed yield Bogleheads as the top result, excluding advertisements and ...
by Toons
Thu Feb 26, 2015 4:02 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1039

Re: Need outside advice on new truck

If you can trade it in and pay the amount owed with cash then do it. :happy
by Toons
Thu Feb 26, 2015 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 23
Views: 1105

Re: How does one increase their typing speed and accuracy?

I started out with hunt and peck in the early nineties then purchased a CD typing tutor that with practice I was @50wpm.
Now use the free online typing tutors that are available to stay brushed up. :happy

http://www.sense-lang.org/typing/tutor/keyboarding.php

http://www.typing.com/
by Toons
Thu Feb 26, 2015 3:43 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2171

Re: 2015 Estimated tax after owing tax in 2014

"The same is not true for estimated taxes. For those, the IRS does expect you to pay the estimated taxes in the quarter that you receive the income."

+1
My fourth quarter estimated tax payment had to be increased substantially due to investment income received in December.
by Toons
Thu Feb 26, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Estimated tax after owing tax in 2014
Replies: 8
Views: 523

Re: Google likes this site

google knows where you've been on the internet and its search results reflect that. True, but try it in an incognito / private browsing window, or log out of your Google account and clear all cookies. Bogleheads forum is still #1 . +1 Exactly :thumbsup They cache info not just at the browser level....
by Toons
Thu Feb 26, 2015 3:36 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1039
Next

Return to advanced search