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Re: Do I need to see my credit report?

In my opinion, you don't need to do anything. BTW, your score is higher than my score and my spouse's score. We periodically check the free credit reports but DW and I have never known our credit scores. Can you recommend the least costly way to find out what they are? JW FYI: "Under federal l...
by Toons
Mon Sep 01, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 19
Views: 461

Re: Do I need to see my credit report?

Your fine,,last time I checked I was 760 :happy
by Toons
Mon Sep 01, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 19
Views: 461

Re: Do my in-laws need a will?

FYI: "In Michigan, if you die without a will, your property will be distributed according to state "intestacy" laws. Michigan's intestacy law gives your property to your closest relatives, beginning with your spouse and children. If you have neither a spouse nor children, your grandch...
by Toons
Mon Sep 01, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 14
Views: 825

Re: How do you invest in 401k?

Started investing in 401k plan back in the eighties,continued on for about 30 years,,dollar cost averaging every pay period,contributing the maximum.As investment choices changed I would make small changes here and there.Started investing in the Fidelility Spartan Market fund around 1993,along with ...
by Toons
Mon Sep 01, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you invest in 401k?
Replies: 8
Views: 429

Re: sell a 7 year old car or keep it?

A wise man told me that the "sweet spot" for optimizing value/cash back, and minimizing future repair costs is to trade cars in at 60k miles, whatever their age. He was a wealthy man who could afford to buy whatever he wanted and did not like to drive cars into the ground and get every po...
by Toons
Mon Sep 01, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell a 7 year old car or keep it?
Replies: 15
Views: 1028

Re: Reinvest dividends and capital gains?

For several decades I reinvested ALL capital gains and dividends in both taxable and tax deferred so that I could put the compounding machine to work for us while preparing for retirement.Recently I have started to take all cap gains and dividends in taxable accounts in cash as we retired a few year...
by Toons
Mon Sep 01, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends and capital gains?
Replies: 11
Views: 802

Re: Pay Off Student Loans or Invest?

"I would like to be debt-free, but I also want to build wealth in the best way possible, and given the interest rates on my loans, I'm not sure paying them off early is the best way to do this. What do you think?" You ask me what I would do.Personally, rather than crunching the numbers(pay...
by Toons
Mon Sep 01, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Student Loans or Invest?
Replies: 10
Views: 735

Re: Highly Appreciated Stock

Verify that dividends are not being re-invested in additional shares - take them as cash. Take advantage of 0% capital gains rate where possible to sell off some shares. If there are any losses elsewhere in the portfolio in excess of the $3000 limit, take advantage of these to sell off some shares....
by Toons
Mon Sep 01, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Highly Appreciated Stock
Replies: 8
Views: 939

Re: sell a 7 year old car or keep it?

Well if your financial house is in order,no debt,other than mortgage,Retirement funds are on track,and you can pay cash with whats left after the trade in,then go for it.Otherwise keep it :happy
by Toons
Mon Sep 01, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell a 7 year old car or keep it?
Replies: 15
Views: 1028

Re: Shorten Mortgage or 401K or something else

"Debt: 1. 30 year mortgage with a balance of $414,230 @ 4.5% with the appraised value of home at $493,000 ( just refinanced in Feb 2014 ). 2. $22K car loan @ 3.65% ( 5 Years to go on the car loan ). 3. $4.4K in credit card debt at 15% or greater." Pay off the credit card>If you find yourse...
by Toons
Mon Sep 01, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Shorten Mortgage or 401K or something else
Replies: 13
Views: 699

Re: Best tax return software for freelancer?

Been doing taxes with software since 1997,Turbo Tax for 10 years,Tax Act the last 6.Tax Act is fine,the price is excellent and it can handle any and all tax situations.You can set up an account and fill go through the interview ,you don't have to pay unless you file.I file Federal with them and ente...
by Toons
Mon Sep 01, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best tax return software for freelancer?
Replies: 4
Views: 281

Re: A Low-Return Future? Are We Prepared?

I am as prepared as I can be,Control what you can,,,saving and investing let the rest go,what will be will be,enjoy :happy
by Toons
Mon Sep 01, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 159
Views: 9018

Re: Paper or plastic?

Cosmo wrote:The single use plastic bags were gold in our house for years. That made an excellent second use for several dirty diapers per day.


+1 :happy
by Toons
Mon Sep 01, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 38
Views: 1514

Re: Portfolio advice requested [in medical training]

200k ,6.8% loan? I would be "driven" to eliminate the debt ,even if it means stop investing,that is me,just saying.Plug some numbers in the below link for an eye opener on interest payments. :happy

http://www.bankrate.com/calculators/col ... lator.aspx
by Toons
Mon Sep 01, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice requested [in medical training]
Replies: 12
Views: 636

Re: 2 Piece Retirement Portfolio

Sounds like your plan is "In Place",Excellent,Implement It.
by Toons
Mon Sep 01, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 2 Piece Retirement Portfolio
Replies: 18
Views: 1004

Re: What Movie Have You [Recently] Watched?

Redwood Highway ,with Tom Skerritt,Shirley Knight on Netflix,heartwarming ,recommend.
by Toons
Mon Sep 01, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You [Recently] Watched?
Replies: 44
Views: 1582

Re: 2 Piece Retirement Portfolio

Why not have combine the 2 plans into 1 and go 60/40
Keep It Simple :happy
by Toons
Mon Sep 01, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: 2 Piece Retirement Portfolio
Replies: 18
Views: 1004

Re: Which generator do you have?

I have an Onan generator in the RV(propane} :sharebeer
by Toons
Mon Sep 01, 2014 8:44 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 33
Views: 1634

Re: Paper or plastic?

I re-use ALL my plastic bags from WalMart as trash liners for small trash cans @home. :happy
by Toons
Mon Sep 01, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 38
Views: 1514

Re: Financial Planners, DFA, and your opinions please!

If you're talking about a portfolio less than $500,000 , I wouldn't worry about getting access to DFA. The cheapest access that I know of that has been discussed on this board is something like a flat fee of $1000.00 per year. That is too much to pay for a 100K portfolio. You're an engineer? We don...
by Toons
Mon Sep 01, 2014 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial Planners, DFA, and your opinions please!
Replies: 25
Views: 1057

Re: Property or stock?

Pay off the loan-15k
Invest 25k in (VBIAX) Vanguard Balanced Index Fund (Admiral shares)
Keep 10k in cash for a while as a buffer until you decide if you want to invest that also .
by Toons
Sun Aug 31, 2014 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Property or stock?
Replies: 17
Views: 1026

Re: How does the Tax-Managed Balanced achieve tax efficiency

From Page 2 of the Prospectus,Tax Managed Balanced Fund :happy "Primary Investment Strategies The Fund invests approximately 50% to 55% of its assets in municipal securities and the balance in common stocks. The fixed income portion of the Fund is concentrated in high-quality municipal securiti...
by Toons
Sun Aug 31, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does the Tax-Managed Balanced achieve tax efficiency?
Replies: 6
Views: 594

Re: Online Security: Are there any sites you do not trust?

Any site I do not trust that involves personal information?

No there are not any I do not trust that involve my personal information :happy
by Toons
Sun Aug 31, 2014 11:33 pm
 
Forum: Personal Consumer Issues
Topic: Online Security: Are there any sites you do not trust?
Replies: 11
Views: 1008

Re: 403(B): Fidelity, Prudential, TIAA-CREF, or Vanguard?

An older thread, but worthy of revival. The linked document posted by the OP includes the following choices (assuming that the expired fee waivers have been renewed): Fidelity Option Fidelity Spartan Glb ex US Idx Advtg, 0.28% waived to 0.18% Fidelity Spartan Intl Idx Instl, 0.10% waived to 0.07% F...
by Toons
Sun Aug 31, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(B): Fidelity, Prudential, TIAA-CREF, or Vanguard?
Replies: 17
Views: 1017

Re: passing an IRA to a parent

FYI: "An individual retirement account is not something that can be passed from one living person to another. It is, the IRS explains, "a trust or custodial account set up in the United States for the exclusive benefit of you or your beneficiaries." While you can't make a gift of the ...
by Toons
Sun Aug 31, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: passing an IRA to a parent
Replies: 3
Views: 305

Re: Republic Wireless

Can someone confirm if Republic Wireless charges taxes based on your area code or your billing address? eg. say I use a California area code but live in New Jersey; will I be charged CA taxes or NJ taxes? Would greatly appreciate if someone living in NJ and using Republic Wireless can tell how much...
by Toons
Sun Aug 31, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Republic Wireless
Replies: 49
Views: 11936

Re: How much does your home *really* cost?

We downsized to a smaller home about 1500sq ft with the 2 car garage included in that square footage. No mortgage. Insurance- 800 per yr Property taxes 700 utilities 2,000(electric ,water ,propane) We "Vagabond" a few weeks at time in a class B- RV, for us it is nice to have a small "...
by Toons
Sun Aug 31, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 10
Views: 1671

Re: How to become a millionaire retiree -- then and now

Browser wrote: Start saving amigos!


+1,Add to that LBYO,Stay out of Debt. :happy
by Toons
Sun Aug 31, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 57
Views: 5845

Re: short term investment as of today...

LifeStrategy Conservative Growth-VSCGX,but that is me,,just sayin, :happy This. :D Where to invest the money depends on how much there is. I'm going to need to buy a car in a few years. But the amount needed is small relative to my portfolio, so I invest it along with everything else. A downpayment...
by Toons
Sun Aug 31, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: short term investment as of today...
Replies: 8
Views: 536

Re: short term investment as of today...

LifeStrategy Conservative Growth-VSCGX,but that is me,,just sayin, :happy
by Toons
Sun Aug 31, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: short term investment as of today...
Replies: 8
Views: 536

Re: Stocks and capital gains

I'm not a big fan of individual stock, but sometimes the cure is worse than the condition. If this stock is a relatively small portion of your portfolio and if you will drop into the 15% bracket when fully retired, you might consider holding the stock until then. At that point, you could possibly s...
by Toons
Sun Aug 31, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Stocks and capital gains
Replies: 8
Views: 659

Re: Poor Janus, a look at this once high flying fund family

Toons The research fund has underperformed even the S&P 500 for last 15 years and ranks 49% in category, barely beating average fund that SURVIVED the period. And at 15 year horizon survivorship bias can be huge The other fund did manage to slightly outperform M* moderate allocation fund, by li...
by Toons
Sat Aug 30, 2014 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 59
Views: 5565

Re: Any Tips on wintering in the Bahamas ?

3 months? I'm jealous. me too I suggest you give me that vacation, and just stay home. Well, this is what us Bogelheads aspire to. I am in my 60s and retired and now have the assets and freedom to do this. So, this is what you're aspiring to with LBYM and Saving and Investing for 30 years! I did an...
by Toons
Sat Aug 30, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 21
Views: 1818

Re: Auto Loan Payoff question

"B) Pay off the loan right away, and invest the amount marked for auto payment ($431.80) on a monthly basis into index funds (Vanguard ETFs, commission free from Vanguard, actually) over the next 40 months. The idea is to not touch the funds (other than any periodic re-balancing) for 15 years o...
by Toons
Sat Aug 30, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Loan Payoff question
Replies: 7
Views: 786

Re: Do you mix inheritance and earned money?

Inherited some money a couple of years ago and did not earmark it as separate monies. :happy
by Toons
Sat Aug 30, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Do you mix inheritance and earned money?
Replies: 25
Views: 2127

Re: Investments for Kids

"1. Such an account is a realized gift to the child meaning that at time to hand over control of the account the money is absolutely the child's, now a young adult. "


That was my experience,when funding a custodial account :happy
by Toons
Sat Aug 30, 2014 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments for Kids
Replies: 15
Views: 964

Re: Costco:is it worth it for just two people?

Definitely worth it.My spouse and I are members of Sams club.The quality of merchandise ,gas for vehicles : coupled with pricing easily pays for membership and more over time. :happy
by Toons
Sat Aug 30, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 101
Views: 5703

Re: ACH transfers

Many banks and credit unions will "pull" (by ACH) from another bank or credit union account - either on a one-time basis or on a regular schedule. One example of a "pull" ACH is commonly done if you are late on a loan payment (that you normally pay by check) and you are contacte...
by Toons
Sat Aug 30, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: ACH transfers
Replies: 14
Views: 987

Re: If you had an extra $100,000

Sheepdog wrote:I don't need it, but I would hold it for possible long term care needs, but if long term care is not needed, it would be given to my local Children's Museum as an inheritance.


+1 Wonderful!
by Toons
Sat Aug 30, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 56
Views: 4852

Re: Poor Janus, a look at this once high flying fund family

http://www.cbsnews.com/news/poor-janus-investors/ Just pity their investors Larry There is a silver lining in every cloud, ,I have held Janus Research Fund since 1993 and Janus Balanced since 1995 ,purchasing shares over many years, I have been more than satisfied with the ensuing performance, Stay...
by Toons
Fri Aug 29, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 59
Views: 5565

Re: Paying cash for a car or financing

Pay cash ,move on,keep it simple :happy
by Toons
Fri Aug 29, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a car or financing
Replies: 7
Views: 727

Re: Can/do you sell bonds to purchase stocks?

Stay the course buying index funds :happy
by Toons
Wed Aug 27, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can/do you sell bonds to purchase stocks?
Replies: 19
Views: 921

Re: What's "The Herd" doing today?

Herd =Lemmings? :happy
by Toons
Wed Aug 27, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3419

Re: Market Corrections — Befriending the Beast

Market corretions are an inherent part of investing and indeed they are 'healthy" :happy
by Toons
Wed Aug 27, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Market Corrections — Befriending the Beast
Replies: 18
Views: 2721

Re: AA of 60/40 for your Lifetime?

In my observation 60/40 is a comfortable sweet spot for investing.Not too hot ,not too cold,,during bull or bear. :happy
by Toons
Wed Aug 27, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2305

Re: What's "The Herd" doing today?

Santayana
"Those who cannot remember the past are condemned to repeat it" :happy
by Toons
Wed Aug 27, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3419

Re: Saving for a house down payment in 5-7 years...

cds,high yield savings,,Vanguard Short Term Investment Grade,,,VFSTX,,,mix it up :happy
by Toons
Tue Aug 26, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a house down payment in 5-7 years...
Replies: 13
Views: 920

Re: Should we invest or pay off mortgage ?

Pay off the mortgage,Why?...Its liberating :happy
by Toons
Tue Aug 26, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we invest or pay off mortgage ?
Replies: 15
Views: 1667
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