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Re: Vanguard launches new offering ... [Vanguard merchandise

28 bucks for an umbrella,,,,35 for golf balls?hmmmm,,,,I'll pass :happy
by Toons
Tue Nov 18, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 85
Views: 8499

Re: Who is mailing Holiday Cards this year?

No cards :happy
by Toons
Fri Nov 14, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3081

Re: Vanguard Capital Gains

Correct. I don't know why I think like that, but I just prefer to not sell what I have. Whatever helps me sleep at night :happy +1 Kudos to you.Do what is right for you .Take the distribution in cash,don't sell any shares. That is what I am doing with several equity funds I own,taking the gains in ...
by Toons
Wed Nov 12, 2014 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2556

Re: Amazon Echo (Alexa)

I will buy one :happy
by Toons
Tue Nov 11, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3711

Re: Question about reinvesting dividends

We have all ways reinvested dividends from funds held in tax-protected accounts. We want everything automatic that can be. Before retirement also reinvested dividends in the joint taxable account, also to keep things automatic. We stopped automatic reinvestment about a year before retirement to avo...
by Toons
Tue Nov 11, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about reinvesting dividends
Replies: 7
Views: 628

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

Live beneath your means for decades,Take advantage of any 401k,IRA and max every year.Never incur debt other than house payment(15 year mortgage),work to pay it off.Invest early and as often as possible in equity funds so that the compounding machine can go to work for you. :happy
by Toons
Tue Nov 11, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 244
Views: 22038

Re: Vanguard Capital Gains

Time frame of fund ownership has no bearing on whether you will receive year end capital gains distributions. :happy
by Toons
Tue Nov 11, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2556

Re: What if your investable assets rise significantly?

At this stage of life spend some,share with family :happy
by Toons
Tue Nov 11, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: What if your investable assets rise significantly?
Replies: 19
Views: 1989

Re: Local bank without any checking account fees?

Capital One 360 checking,,,NO fees,someone gives you a check,,snap a picture of it with your phone and deposit,,whoosh,

https://home.capitalone360.com/online-checking-account

http://helpcenter.capitalone360.com/ing ... MOBILEBAS2
by Toons
Mon Nov 10, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2210

Re: Sunday morning musing - dividend stocks

I did something entirely un-boglehead like in September 2013. At that time I sold my business and had some extra cash. Most of it I invested according to our allocation but I kept a fairly large amount to "blow" as a reward for 2+ decades of long hours, lots of stress, and all that goes w...
by Toons
Sun Nov 09, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Sunday morning musing - dividend stocks
Replies: 11
Views: 1198

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

Thank You Everyone. I'll be doing some more research although my wife just gave me her old copy of Quicken Home and Business 2008. I'm checking it out - although it doesn't seem to work too well. I'm on Windows by the way. I downloaded 2014 Deluxe from Amazon last year,caught it on special around 3...
by Toons
Sat Nov 08, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 1129

Re: Should we refinance?

Re-Fi Only when you can go 15 years :happy
by Toons
Sat Nov 08, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we refinance?
Replies: 30
Views: 1702

Re: Aggressive Mortgage Paydown

I wanted to update everyone on the past year or so since I've posted. I got a bit more aggressive on the paydown than I initially planned, and was able to reduce my mortgage deb from $310k in Oct-13 to $180k in Jul-14. At that point, I decided to refi into a 5/5 with Penfed at 2.75%. I'm still aggr...
by Toons
Sat Nov 08, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Aggressive Mortgage Paydown
Replies: 47
Views: 6063

Re: Thinking about buying an individual stock NSC

Thomas No matter how many shares of any equity asset class you buy whether it is a mutual fund or a stock,reinvesting the dividends in additional shares is a key component of wealth creation over time(compounding).When the share price drops you get more shares for your money when reinvesting. I can'...
by Toons
Sat Nov 08, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3656

Re: Thinking about buying an individual stock NSC

Buy it ,reinvest the dividends,hold it for at least 20 years,preferably longer(for life).And don't waste time looking at stock quotes,,,,a total waste of time and energy. :happy
by Toons
Sat Nov 08, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3656

Re: When do you buy a new home computer?

The last 2 computers I have bought "for the home" have been a Samsung Chromebook and an Asus Chromebox :happy
by Toons
Fri Nov 07, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3911

Re: What would you do about Comcast over billing?

I also have Comcast. I went to our My Account page to try to look at my own data usage, but I can't find it anywhere. To find the data usage, go to My Account > My Services tab > click Xfinity Internet > scoll down (https://customer.comcast.com/MyServices/Internet) In terms of your good Samaritan i...
by Toons
Fri Nov 07, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: What would you do about Comcast over billing?
Replies: 15
Views: 1037

Re: letting profits run or sell...

I would hold for many more years :happy
by Toons
Thu Nov 06, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: letting profits run or sell...
Replies: 34
Views: 2574

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

Satisfied Quicken user here for many years,,nothing is perfect,but I have no complaints. :happy
by Toons
Wed Nov 05, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 1129

Re: made it through volatile October , hope to stay the cour

I , as a new boglehead, made it through October without doing anything, and trying to 'ignore the noise' , stay the course, and believe "I don't know , I don't care". I am hoping I can stay strong through any drops, crash, and try to stay true to my 10 year Investment Owner's contract. Oc...
by Toons
Wed Nov 05, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: made it through volatile October , hope to stay the course
Replies: 18
Views: 1158

Re: Should one auto-reinvest dividends in taxable?

cfs wrote:Keep it simple. Auto re-invest on all the accounts and call it a day.


+5 :sharebeer
by Toons
Tue Nov 04, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2039

Re: Bond funds as a savings vehicle?

I use Intermediate Term Tax Free and Total Bond for savings vehicles. :happy
by Toons
Tue Nov 04, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds as a savings vehicle?
Replies: 19
Views: 1728

Re: What do you set your thermostat to (in F)?

SpringMan wrote:68 nights, 70 days.


+1 :happy
by Toons
Tue Nov 04, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4456

Re: What do you set your thermostat to (in F)?

70 during the day 68 @ night
For many years kept it much lower,,no more, I am going to be comfortable. :happy
by Toons
Tue Nov 04, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4456

Re: Should one auto-reinvest dividends in taxable?

I re-invested for about 3 decades in taxable accounts and recently have been taking the dividends ,cap gains in cash,enjoying the funds while in retirement. Regarding taxes ,,etc,,never gave it much thought.Brokerages keep the cost basis records so when selling shares which I rarely do,the cost basi...
by Toons
Tue Nov 04, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2039

Re: What to do with a million

I'm that person that live next door that you didn't know is a millionaire. I live on $40,000 a year before taxes. I've been retired for 6 years and I'm 62. I have 1 million that I want to invest for about 15 years I do not need the money. I'm a Vanguard all my life. What would you do with a my mill...
by Toons
Tue Nov 04, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with a million
Replies: 26
Views: 3853

Re: AA...any other crazy 80/20 folks out there?

I started investing at age 29,,,almost 100% equities,Age 64 now,,,about 72/28 now,equity/bond,cash :happy
by Toons
Tue Nov 04, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4746

Re: What's worrying Vanguard's CEO

John3754 wrote:So what can I do about it?


Don't worry about it :happy Just save and invest ,,enjoy life
by Toons
Mon Nov 03, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: What's worrying Vanguard's CEO
Replies: 14
Views: 2765

Re: 5 things you don't know about Vanguard

pkcrafter wrote:Thanks, I passed the test. I knew all five.

Paul


Yep ,Me too :happy
by Toons
Sat Nov 01, 2014 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: 5 things you don't know about Vanguard
Replies: 21
Views: 4661

Re: Does Jack Bogle really advocate against rebalance?

I tend to agree with what Bogle says about rebalancing.Ignore the fluctuations,stay equity heavy and let it ride :happy
by Toons
Sat Nov 01, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Jack Bogle really advocate against rebalance?
Replies: 54
Views: 4853

Re: Vanguard Precious Metals and Mining Fund

No risk No reward.Be prepared for the rollercoaster ride.
Having said that,buy it and hold for a couple decades.
And that might be long enough :happy
by Toons
Sat Nov 01, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund
Replies: 47
Views: 3399

Re: Should I close my WF checking account?

I'd close it an open an online checking account similar to Capital One 360.
"Not affiliated" :happy

https://home.capitalone360.com/online-checking-account
by Toons
Sat Nov 01, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I close my WF checking account?
Replies: 18
Views: 1663

Re: Should I close my WF checking account?

Wells Fargo has advisors? I didn't know that. I use them as my primary brokerage account to buy Vanguard products since they have better service than Vanguard. I suggest one transfer all their Vanguard assets to WellsFargo and keep the checking account open. I've haven't had to pay a fee yet. I did...
by Toons
Sat Nov 01, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I close my WF checking account?
Replies: 18
Views: 1663

Re: Short term reserve question.

joe8d wrote:Online Bank Savings Accounts.


+1 :happy
by Toons
Fri Oct 31, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term reserve question.
Replies: 22
Views: 1435

Re: When Capital gains are paid out on a fund does the share

Thanks everyone for helping me understand. There are a couple of non index funds I like but this point drives me crazy about them. You can get big tax bill and nothing to show for it. Also they might no have capital gains for several years then have a huge gain one year causing you to have a big ta...
by Toons
Fri Oct 31, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

Re: When Capital gains are paid out on a fund does the share

Yes share price drops.
As an example.I will be receiving a capital gain distribution of .87 per share in late November for a mutual fund in my taxable account(I will be receiving it in cash).
The NAV will drop by that amount when it is paid out. :happy
by Toons
Fri Oct 31, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

Re: Is $700,000 enough to retire? Opinions please .

The vast majority of retirees make do with far less. +1 Indeed they do,they live on a lot less. :happy "While the typical household headed by someone age 65 or older had a net worth of $170,128 in 2010, most of that wealth is in the form of home equity" http://money.usnews.com/money/retir...
by Toons
Fri Oct 31, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12466

Re: fleeced by an adviser, is there a recourse?

" CAUTION: FEES AND EXPENSES TOTALING 1% OR MORE WILL HAVE A DEVASTATING AFFECT ON YOUR FINANCIAL FUTURE". Consumers just won't understand anything else. And a lot just won't believe it because 1% just seems so tiny. Until you see the numbers, 1% of 100k=1,000,,,,the first year,, :shock:
by Toons
Fri Oct 31, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 9001

Re: Jack Bogle: Ignore market headlines

On more than one occasion I have heard Mr Bogle quote Shakespeare from MacBeth as pertains to market "noise",one of my favorites,
"It is a tale,
Told by an idiot, full of sound and fury,
Signifying nothing." :happy
by Toons
Fri Oct 31, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Ignore market headlines
Replies: 12
Views: 1713

Re: Paying for new car with loan or IRA?

Loan :happy
by Toons
Fri Oct 31, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Paying for new car with loan or IRA?
Replies: 12
Views: 544

Re: Coupons? Do you live by them?

We use an occasional coupon
by Toons
Fri Oct 31, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4038

Re: Would you use TurboTax in this scenerio?

Turbo Tax ,or any other Tax Preparation Program can handle all of the situations you mentioned.Personally I would use TaxAct,but yes Turbo Tax is fine. :happy
by Toons
Thu Oct 30, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use TurboTax in this scenerio?
Replies: 11
Views: 962

Re: What savings vehicle should I use for my car?

Iorek wrote:I'm doing an automatic deduction from my regular account into the internet savings account that I keep as a general cash reserve.


+1 That is exactly what I would do :happy
by Toons
Thu Oct 30, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: What savings vehicle should I use for my car?
Replies: 35
Views: 1659

Re: My college son's investment in Merril Lynch

Thank you very much to all of you for helping me with my questions. Yes, the accounts are in my sons' names and my husband is the custodian for both of the boys. My older son is 20 years old and a junior in college. We don't need the money for his college because he gets full scholarship. His grand...
by Toons
Thu Oct 30, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: My college son's investment in Merril Lynch
Replies: 17
Views: 1702

Re: How are you supposed to move a 401k

"I now own 5-10% less than I started with thanks to my time out of the market."

Take the long view. It will be a forgotten episode eventually,,,this too shall pass :happy
by Toons
Thu Oct 30, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: How are you supposed to move a 401k
Replies: 19
Views: 1324

Re: Joint accounts or separate accounts for married couples?

We are married ,everything is joint. :happy
by Toons
Thu Oct 30, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4607
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