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Re: Thinking of going with VSMGX

VSMGX is a Fine choice :happy
by Toons
Wed Mar 04, 2015 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 6
Views: 869

Re: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?

Hello everyone, Oil and gas have been going down quite rapidly for the past six months or so. Traditionally VGNEX is highly volatile and rallies when energy prices reach "bottom." The talking heads are saying we're near the bottom, but if interest rates in the US rise, the dollar will con...
by Toons
Tue Mar 03, 2015 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?
Replies: 14
Views: 1458

Re: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?

airshow wrote:I know, but refuse to tell unless you subscribe to my $7500 quarterly report.


:sharebeer
by Toons
Tue Mar 03, 2015 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?
Replies: 14
Views: 1458

Re: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?

"Will it perform better than a total stock index? Who knows. Will it perform better than being allocated in accordance with your asset allocation goals?"

Who knows?
Is there anyone who knows?
Anywhere?
by Toons
Tue Mar 03, 2015 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?
Replies: 14
Views: 1458

Re: Tax Loss Harvesting Bonds??

I tax lost harvested Total Bond Index yesterday :happy
by Toons
Tue Mar 03, 2015 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Bonds??
Replies: 7
Views: 415

Re: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?

Hello everyone, Oil and gas have been going down quite rapidly for the past six months or so. Traditionally VGNEX is highly volatile and rallies when energy prices reach "bottom." The talking heads are saying we're near the bottom, but if interest rates in the US rise, the dollar will con...
by Toons
Tue Mar 03, 2015 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?
Replies: 14
Views: 1458

Re: form 8606 question

This is purely a "guess" on my part,,the tax experts will soon post to this thread. It seems her non-deductible contributions combined with yours would equate to a 40k basis, "An IRA might have a cost basis that the divorcing parties must carry forward when they divide the account.&qu...
by Toons
Tue Mar 03, 2015 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: form 8606 question
Replies: 4
Views: 288

Re: Is Yahoo Mail working very slowly???

htdrag11 wrote:Like Toons, my primary email is gmail. Found Yahoo has too many sponsor links and generally slower than gmail.

My OS is Win7, running on Chrome. My storage limit of 1TB has 65% space left, so I got lots of stuff here. :oops:



+1 :happy
by Toons
Tue Mar 03, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1087

Re: Help- I keep investing my emergency fund in the stock ma

This is a common theme here, and even fairly sophisticated Bogleheads do this. I suspect that people are looking at all of their accounts and seeing that their emergency fund is "sitting idle" when it could be invested, i.e. making money. I personally disagree with that viewpoint, which I...
by Toons
Tue Mar 03, 2015 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help- I keep investing my emergency fund in the stock market
Replies: 18
Views: 2223

Re: One share of BRK.B for Geico discount?

FYI :happy "GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products. GEICO may not be involved in a formal relationship with each organization. However, you still may qualify for a special discount based on yo...
by Toons
Tue Mar 03, 2015 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 18
Views: 1845

Re: New 401k - Fund choices and allocation across accounts

As I age ,the old adage "Keep It Simple"becomes more and more invaluable. :happy

Vanguard Target Retirement Date 2055 - 0.43% :happy
by Toons
Tue Mar 03, 2015 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Fund choices and allocation across accounts
Replies: 11
Views: 539

Re: Can I afford it?

Get the car,,something else will take its place in a few years :happy
by Toons
Tue Mar 03, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 50
Views: 3800

Re: Is Yahoo Mail working very slowly???

I've used a Yahoo account as my primary personal email for a very long time. It is very clear to me that Yahoo's attempts to keep up with the Joneses in the world of email over the last few years have resulted in frequent hiccups/glitches/slowness. It now seems that just about every day, in one way...
by Toons
Tue Mar 03, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1087

Re: 2015 Honda CR-V vibration problems

ABC7 news http://api.viglink.com/api/click?format=go&jsonp=vglnk_14253206930817&key=e0f4d5b76756fc288c9c1e5986e97af4&libId=i6s74q6x01000b4v000DA6w2lmsez&loc=http%3A%2F%2Fwww.crvownersclub.com%2Fforums%2F14-problems-issues%2F63138-2015-honda-cr-v-vibration-idle-69.html&v=1&ou...
by Toons
Tue Mar 03, 2015 10:19 am
 
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 6
Views: 886

Re: Excess cash now but might need it in few years. What to

Emergency funds, IMO, should be readily accessible and not bring tax consequences. I had 2 emergency funds, but recently combined them. I closed Discover bank (0.8%) and moved it to Capitol One 360 (formerly ING 0.75%) It's linked to my checking account, and even though Cap One 360 rates are lower,...
by Toons
Tue Mar 03, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Excess cash now but might need it in few years. What to do?
Replies: 7
Views: 872

Re: Is Yahoo Mail working very slowly???

Open up a secondary email account with Gmail ,if you haven't already ,see what you think.
Gmail has been my primary for years now,with Yahoo being secondary.
Your thread prompted me to check my Yahoo email account which I hadn't looked at in several months....
3000 in the inbox :shock:
by Toons
Tue Mar 03, 2015 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1087

Re: All Weather portfolio

retiredjg wrote:
catlover wrote: I would like to move it all back to index funds and copy the ALL Weather portfolio as close as possible. Can anyone help please?

The best way for us to help you is to steer you back toward a simple 3 or 4 fund portfolio.


+1 :happy
by Toons
Tue Mar 03, 2015 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: All Weather portfolio
Replies: 12
Views: 1088

Re: Want to make $750K into $1m...Help

Hi everyone, I have $750K cash (expiring CD's etc, cash etc). I figured that if I put this in a 10 year CD at 2.9%, it will return me a guaranteed $1m (Off course I will split this in 3 X $250K CD or break it down even more for emergencies, FDIC coverage etc). 1 kid will be in college in 10 years a...
by Toons
Tue Mar 03, 2015 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to make $750K into $1m...Help
Replies: 25
Views: 2428

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

RIP
Thanks for the insightful and informative literature. :happy
by Toons
Tue Mar 03, 2015 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 48
Views: 7994

Re: Want to make $750K into $1m...Help

An option to have some small percentage in the market is a conservative balanced fund like LifeStrategy Income, LifeStrategy Conservative growth, or Wellesley. Not the most tax efficient, but hides some of the volatility. Tax-Managed Balanced has a little more stock (just under 50%), but is more ta...
by Toons
Tue Mar 03, 2015 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to make $750K into $1m...Help
Replies: 25
Views: 2428

Re: new car battery

4-5 years on a battery is pretty good. I would change it. You can get it tested at Autozone or Interstate for free if you want a second opinion. The last time I went to Interstate, I was impressed with the customer service and the prices seemed fair. +1 :happy Autozone worked for me with a 4 year o...
by Toons
Tue Mar 03, 2015 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 34
Views: 1674

Re: Is Yahoo Mail working very slowly???

Working just fine here :happy
by Toons
Tue Mar 03, 2015 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1087

Re: What if you already have a couple million?

A quick answer from me ,with those assets 20 years till retirement,
Investable assets 50/50 stock- bond Allocation. :happy
by Toons
Mon Mar 02, 2015 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What if you already have a couple million?
Replies: 42
Views: 6063

Re: Market Beating Recipe

Don't try and "Beat" the market.
Just be satisfied to "Be"the market=Indexes :happy
by Toons
Mon Mar 02, 2015 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Market Beating Recipe
Replies: 19
Views: 1779

Re: ...it is madness to risk losing what you need in pursuin

friar1610 wrote:
Meg77 wrote:Sometimes when you've been playing the game your whole life though, it's hard to quit even if you've won.


I like this point - well stated.



+2 Agree
One has been "playing the game(investing)"for so long it is not about the numbers anymore as it is a habit. :happy
by Toons
Mon Mar 02, 2015 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: ...it is madness to risk losing what you need in pursuing wh
Replies: 42
Views: 3651

Re: Taylor Larimore Honored

Wow!Super,,,,!
Congrats :happy
by Toons
Mon Mar 02, 2015 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 55
Views: 4032

Re: Retiree Poll: Satisfaction with retirement

Levett wrote:I am very satisfied (after 15 years).

But let's not kid ourselves: we retirees are playing the back nine.

Play it as it lies. :wink:

Lev


Haha,,,,Excellent! :happy
by Toons
Mon Mar 02, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 52
Views: 3394

Re: Where's your Will?

One in a paper folder
Copy in electronic folder :happy
by Toons
Mon Mar 02, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 41
Views: 1967

Re: Nasdaq Record High....

I recall selling a value oriented mutual fund in March 2000( the month the bubble burst) that I had owned for 15 years ,,to purchase
Janus Global Technology Fund :shock:
by Toons
Mon Mar 02, 2015 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1848

Re: What is your favorite consumer product?

Chromebook :happy

Image
by Toons
Mon Mar 02, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9903

Re: Oil & Vinegar

Grt2bOutdoors wrote:Newmans Own Balsamic or Ken's.



+1 Excellent choices,,we use the same :happy

Image


Image
by Toons
Mon Mar 02, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 47
Views: 2934

Re: Retiree Poll: Satisfaction with retirement

First of all to be fortunate enough to retire is something to be thankful for,and secondly to have some "gold" to enjoy the golden years is another thing to be thankful for.It is pretty much like Life in general ,it is what you make out of it. Stay busy,involved,find hobbies that interest ...
by Toons
Mon Mar 02, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 52
Views: 3394

Re: No heat

by Toons
Mon Mar 02, 2015 11:47 am
 
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1162

Re: it requires my password and username everytime i try to

hi all it requires my password and username everytime i try to view my posting i’m having so much trouble whenever try to view my posting to see if i get reply -it requires password and username i don't remember all the time can you help me best wishes looking First things first,make sure you keep ...
by Toons
Mon Mar 02, 2015 11:45 am
 
Forum: Forum Issues and Administration
Topic: it requires my password and username everytime i try to view
Replies: 2
Views: 299

Re: WWWD (what would warren do)

WB's advice to Lebron James: Through the rest of his career and beyond make monthly contributions to a low cost index fund. Hold significant cash reserves. Enough where you are comfortable. Beyond that own a diversified piece of America bought over time and held for 30 to 40 years. +3 ,Excellent, T...
by Toons
Mon Mar 02, 2015 11:40 am
 
Forum: Investing - Theory, News & General
Topic: WWWD (what would warren do)
Replies: 21
Views: 1525

Re: Another Cold Weather Car Question

Just to add, I would recommend you still periodically unlock your door with the key to ensure it still works. Murphy will come calling at the more inopportune time, the remote will die and your key lock will be frozen up. Better to find out in your driveway them 1000s miles from home... Also in you...
by Toons
Mon Mar 02, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: Another Cold Weather Car Question
Replies: 6
Views: 605

Re: Vanguard Brokerage 1099 Available

JamesSFO wrote:The consolidated 1099 Brokerage form just showed up in my account tonight, slightly earlier than the feared 2/28.


Good News :happy
by Toons
Mon Mar 02, 2015 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 38
Views: 2364

Re: Nasdaq Record High....

"On the way,the train left the station years ago" Ok,,,gazing into the crystal ball,In the not too distant future ,in the financial news the headline will read: "Today over 15 years later the Nasdaq Composite index surpassed its record high of 5,132.52 On March 10, 2000" You hear...
by Toons
Mon Mar 02, 2015 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1848

Re: Congratulations to Emergency Doc

Just wanted to highlight our own fellow Boglehead "Emergency Doc" , creator and author of the White Coat Investor book and web site has started up a scholarship fund for med students. Since the ER Doc has made well over 10,000 posts on this website helping individuals out, thought there m...
by Toons
Mon Mar 02, 2015 7:06 am
 
Forum: Personal Consumer Issues
Topic: Congratulations to EmergDoc [Scholarship fund started]
Replies: 7
Views: 2216

Re: Do You Like Vanguard Wellesley Income Fund?

:thumbsup Wellesley Income.
We have a fairly substantial amount in Wellesley Income Fund
Why?For Income.It is working.
by Toons
Mon Mar 02, 2015 7:01 am
 
Forum: Investing - Theory, News & General
Topic: Do You Like Vanguard Wellesley Income Fund?
Replies: 29
Views: 8310

Re: Favorite Vacation/Trip

Go explore the beaches on the Gulf Coast of Florida. :happy
by Toons
Mon Mar 02, 2015 6:57 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 38
Views: 3678

Re: Dividends + LT/ST Capitol Gains for retiree (GES)

"Otherwise, what's the use in saving ? Isn't the end debate to actually ENJOY the fruit of one's labor over almost 4 decades ??? " :happy Exactly,that is what you saved for. Somewhat in the same situation here,and I long go accepted the fact that there will be capital gains and dividends t...
by Toons
Mon Mar 02, 2015 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividends + LT/ST Capitol Gains for retiree (GES)
Replies: 11
Views: 598

Re: Professional tax advice - when is it worth it?

Any sage words of wisdom??

If you would feel better "psychologically" to have an independent source do your taxes,bite the bullet and pay for the services.It is worth it to you. :happy
by Toons
Mon Mar 02, 2015 6:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Professional tax advice - when is it worth it?
Replies: 23
Views: 1524

Re: Is any sector fund better than Total Market fund?

It is anyone's guess as to which sector will out perform in the future.
Healthcare sector has had a meteoric rise the last 5 years.
:happy
by Toons
Mon Mar 02, 2015 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Is any sector fund better than Total Market fund?
Replies: 10
Views: 884
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