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by Toons
Mon May 25, 2015 5:17 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2492

Re: Any solo retired RVer's out there?

retiredjg wrote:Thanks for the warning - I was wondering what that patch of white with the evil looking eyes was over there....thought it might be a shiner.



:happy :happy
by Toons
Mon May 25, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2492

Re: Any solo retired RVer's out there?

hicabob wrote:I hope toons has suitable mudflaps for his rig
Image



Excellent!!!! :happy
by Toons
Mon May 25, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2492

Re: Any solo retired RVer's out there?

Having spent quite a bit of time riding in my friend's commercial Mercedes Sprinter I second that as a recommendation for a motor-home chassis. They drive easily, get good mileage (with the diesel turbo) and are surprisingly maneuverable for their size. Driving around town is not a problem. I think...
by Toons
Mon May 25, 2015 4:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 18
Views: 1040

Re: Memorial Day

Thank You Taylor :thumbsup :thumbsup :thumbsup
by Toons
Fri May 15, 2015 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: How bad is Wellesley for taxable?
Replies: 37
Views: 2825

Re: How bad is Wellesley for taxable?

The dividend part of a distribution would be taxable at qualified dividend rate, which for me are the same as capital gain rate. The bond income portion of each distribution is taxable at your ordinary income rate -- this is the rub. However, if you are in the 15% bracket this should not hurt too b...
by Toons
Fri May 15, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Where does everyone stand [Portfolio holdings]
Replies: 16
Views: 2989

Re: Where does everyone stand

I am retired and my needs are met,,and then some :happy
by Toons
Thu May 14, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to pay down student loans, or pay down mortgage vs. invest
Replies: 10
Views: 918

Re: Continue to pay down student loans, or pay down mortgage vs. invest

Her student loans: $57,247 @ 1.61% fixed ($382.64 monthly payment) $42,546 @ 3.625% fixed ($327.87 monthly payment) 30 yr mortgage $293,060 @ 4.125% fixed ($1,453.95 monthly payment) Do whatever makes you feel comfortable to first pay off all the student loans,then work on mortgage using laser like ...
by Toons
Thu May 14, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Parents need help investing $220k for retirement in 10 yrs
Replies: 4
Views: 559

Re: Parents need help investing $220k for retirement in 10 yrs

Duckie wrote:
mhall wrote:I've never heard of those tax exempt bonds. I'll have to look into them. Once they max out their IRAs they will have to do normal or taxable investments for lack of a better word.

(VWITX) Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (0.20%)


+1 :happy
by Toons
Thu May 14, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 8646

Re: How much can I spend on a car?

You appear to be financially responsible,go ahead and pay cash for a new Honda.Life is brief,enjoy the fruits of your labor. :happy
(Our new CRV is sheer pleasure to drive) :happy
by Toons
Thu May 14, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9280

Re: Will you buy self-driving car?

Well if Honda develops a self driving CRV I might consider a purchase,otherwise no :happy
by Toons
Thu May 14, 2015 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Reserves--Where should I put them?
Replies: 28
Views: 4217

Re: Emergency Reserves--Where should I put them?

How many months of living expenses do you have invested in taxable accounts? If you have a reasonably substantial taxable investments, just (a) hold about three months of living expenses in cash and (b) invest the rest using the same asset allocation you use for everything else. If you feel like th...
by Toons
Thu May 14, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 3128

Re: Home Internet - Cat 5e or Cat 6

Cat5 will suffice :happy
by Toons
Thu May 14, 2015 8:06 am
Forum: Investing - Help with Personal Investments
Topic: How much in cash?
Replies: 35
Views: 2931

Re: How much in cash?

I keep about "50k" in cash :happy
by Toons
Wed May 13, 2015 6:35 pm
Forum: Personal Consumer Issues
Topic: Looking for Cloud Storage Solution for Photo Back Ups
Replies: 20
Views: 1662

Re: Looking for Cloud Storage Solution for Photo Back Ups

I use both Google and Amazon for photo storage
Amazon offers unlimited storage if you are Prime Member :happy

https://support.google.com/picasa/answer/6558?hl=en

https://www.amazon.com/clouddrive/prime ... h_sl_prime
by Toons
Wed May 13, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Share the life lessons that you learned in your 30's.
Replies: 27
Views: 2662

Re: Share the life lessons that you learned in your 30's.

alec wrote:I learned that my parents actually knew what they were talking about. :sharebeer


+1 :happy
by Toons
Wed May 13, 2015 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Retired-ready to invest
Replies: 14
Views: 2096

Re: Newly Retired-ready to invest

50/50 is the sweet spot :happy
by Toons
Wed May 13, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting Dividends
Replies: 5
Views: 825

Re: Reinvesting Dividends

Keep reinvesting the dividends and fund the Roths and 529 with other monies :happy
by Toons
Mon May 11, 2015 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor: buy a nicer home pre-retirement
Replies: 31
Views: 2986

Re: Advisor: buy a nicer home pre-retirement

We did the complete opposite when we retired. We sold our paid for home home and downsized to a smaller home. With the proceeds from the first home,we paid cash for the smaller home and with the excess cash from the sale we invested in : Vanguard Total Stock Market Fund. So far the plan has worked o...
by Toons
Tue May 05, 2015 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep track of your investments?
Replies: 48
Views: 3012

Re: How do you keep track of your investments?

Been using Quicken for 25 years to track investments. :happy
by Toons
Tue May 05, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 14
Views: 1380

Re: Cutting cable cord...

We cut the cord a while back,3 TVs,,we have an Amazon Basics Ultra Thin antennae for each,works great :happy

http://www.amazon.com/AmazonBasics-Ultr ... Ultra-Thin
by Toons
Mon May 04, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: How do you access Vanguard account?
Replies: 13
Views: 1392

Re: How do you access Vanguard account?

Phone,tablet,chromebook,windows computer :happy
by Toons
Mon May 04, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 3459

Re: What to use to clean car

I use Meguiars Products,inside and out :happy

http://www.meguiarsdirect.com/home.do?p ... oC63Lw_wcB
by Toons
Sat May 02, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 4016

Re: Best Chromebook 2015

+1
Google shipped me a free beta version when they first came out around 2011 and have been using them ever since.Currently using Samsung -4 GB DDR3L SDRAM :happy

http://www.amazon.com/gp/product/B00J49 ... UTF8&psc=1
by Toons
Fri May 01, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 1710

Re: Telemarketing by Cell /Increase with Consumer Cellular

I use the "Mr.Number" app to block any unwanted calls...works great :happy

https://play.google.com/store/apps/deta ... cker&hl=en
by Toons
Fri May 01, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Oh Hail! [fix hard to see hail damage to car?]
Replies: 24
Views: 1625

Re: Oh Hail!

Get it repaired :happy
by Toons
Wed Apr 29, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: US stocks returned "just 0.6%" 1915-1982
Replies: 56
Views: 5670

Re: US stocks returned "just 0.6%" 1915-1984

Dividends reinvested are why this article is misleading in addition to the cherry picking of dates. Dividends prior to 1982 were very high and comprised more than half of the markets total return. Reinvesting dividends buys more shares. The cheaper the market becomes the more shares it buys assumin...
by Toons
Wed Apr 29, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating Cost Basis [in Quicken]
Replies: 6
Views: 355

Re: Calculating Cost Basis [in Quicken]

One of my DRIP's has a small fee associated with it. The contribution is 250.00 with a 1.00 administration fee. When calculating the cost basis do I use 250.00 or 249.00? $250. The cost basis of a purchase includes commissions and fees. From the IRS Topic 703 If you buy stocks or bonds, your basis ...
by Toons
Wed Apr 29, 2015 11:20 am
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 6561

Re: Retirees - What would you have done differently?

I can't think of anything I would have done differently that far out from retirement.
I was 90/10 stock bonds for several decades.
Invested consistently.
Reinvested all dividends ,capgain in all accounts.
Maxed out 401k,roth iras.
Retired now,,,,70/28/2(stock ,bond ,cash)
Plan worked so far :happy
by Toons
Wed Apr 29, 2015 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Broke buy quarterly
Replies: 40
Views: 2808

Re: Broke buy quarterly

DSInvestor, Thank you! i was only looking for in depth opinions from somebody smart, i agree with what you say, thank you so much for that reply to my post... i really came here to ask if DIS is a buy , sell or hold at this point, i have my money in3 different places as of now, i have an online sav...
by Toons
Tue Apr 28, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Primerica [as a job]
Replies: 12
Views: 1091

Re: Primerica

FYI:
Check out what people are saying on Youtube :happy

https://www.youtube.com/results?search_ ... ica+review
by Toons
Tue Apr 28, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 54
Views: 3581

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

I travel with phone and chromebook.
Windows computer stays home. :happy
by Toons
Mon Apr 27, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6492

Re: Who's holding cash?

2% of portfolio is in cash :happy
by Toons
Sun Apr 26, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford, and how to finance
Replies: 11
Views: 1587

Re: Can we afford, and how to finance

Pay cash for the Florida home.
Keep it simple. :happy
by Toons
Sun Apr 26, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees who lease auto
Replies: 15
Views: 1672

Re: Retirees who lease auto

Age 71?
Personally I would buy the car of my choice as long as I could afford it.
:happy
by Toons
Sun Apr 26, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 5956

Re: Been invited to wedding in Disney World. My cost?

As has been mentioned,skip the trip,do what is right for you.
Buy some sort of gift. :happy
by Toons
Sat Apr 25, 2015 12:47 pm
Forum: Investing - Theory, News & General
Topic: Quickie to clarify confusion re: 0% long-term capital gains
Replies: 29
Views: 2218

Re: Quickie to clarify confusion re: 0% long-term capital ga

https://www.kitces.com/blog/understanding-the-mechanics-of-the-0-long-term-capital-gains-tax-rate-how-to-harvest-capital-gains-for-a-free-step-up-in-basis/ Have never found a better explanation than this. :thumbsup Thanks for the link,although I had a good grasp on the taxation of cap gains,this si...
by Toons
Thu Apr 23, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1214

Re: Is this a reasonable request for broker?

Unreasonable :happy
by Toons
Thu Apr 23, 2015 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Manually Manage Quicken?
Replies: 46
Views: 2272

Re: Anyone Manually Manage Quicken?

I do both,manual and download :happy
by Toons
Thu Apr 23, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 28
Views: 1928

Re: Adequate alternatives to TurboTax?

TaxAct worked for me for the seventh year after putting Turbo Tax behind me. :happy
Received Price confirmation Feb this year for 2015 taxes :happy

We guarantee your federal return is $9.99 and your state return is $6.00
TaxACT Online 2015
Return Type: 1040 Deluxe
by Toons
Thu Apr 23, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3943

Re: Age in Bonds Poll

75/25 Stock ,Bond
Age 64 :happy
by Toons
Wed Apr 22, 2015 12:55 pm
Forum: Investing - Theory, News & General
Topic: Trying to beat the index is futile
Replies: 17
Views: 1938

Re: Trying to beat the index is futile

What is the point of "beating" the index.
As long as one can have their investments supplement other income to aid them in the retirement years I don't see where it really matters. :happy
by Toons
Wed Apr 22, 2015 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Records to Keep
Replies: 8
Views: 1001

Re: Vanguard Records to Keep

Nothing,all documents are on their servers if you need them. :happy

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