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Re: POLL: If Eligible For Social Security .....

Started at 62 ,enjoying every penny of it :happy
by Toons
Sat Apr 19, 2014 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3197

Re: Quicken 2014 opinions wanted

I upgraded a few weeks ago to Quicken 2014 Deluxe ,purchased from Amazon 39.99 download.Main reason for upgrade was the cloud sync feature toand from my android devices,,phone,tablet. So far it has met my expectations,synching nicely,reviewing budgets on tablet and phone.No complaints. :happy I upgr...
by Toons
Fri Apr 18, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1585

Re: 15 year vs 30 year fixed

15 or 30? Plug your numbers in below,,the interest paid on 30year will open your eyes WIDE. We took out a 15 many years ago,,paid it off early,,,,years ago :happy http://www.bankrate.com/partners/sem/mortgage-calculator-rates-tl.aspx?ec_id=m1027724&s_kwcid=AL!1325!3!41195874008!e!!g!!mortgage%20...
by Toons
Fri Apr 18, 2014 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 62
Views: 5805

Re: I need a new coffee maker, any recommendations?

It is not a Bunn but I purchased this Hamilton Beach last July from Amazon,,,it has been outstanding. :happy Check out the reviews while you are at it.It was a Prime offer when I purchased it ,shipping cost looks too high now http://www.amazon.com/gp/product/B0041A5H5S/ref=wms_ohs_product?ie=UTF8&am...
by Toons
Thu Apr 17, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2259

Re: Keep passwords in USB thumb drive: good idea?

I used to store on USB but have been using LastPass for quite a few years :happy
by Toons
Thu Apr 17, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2026

Re: Taxes owed in taxable account

The way I view it is to some degree do not let the tax tail wag the dog.Minimize the best you can but it is what it is.Part of investing in mutual funds is paying taxes on cap gains distributions ,etc. "Mutual funds are regulated investment companies under Internal Revenue Code Subchapter M. Un...
by Toons
Thu Apr 17, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes owed in taxable account
Replies: 18
Views: 1018

Re: Most solid small car

chaz wrote:Mercedes C is a winner.


+1 :happy
by Toons
Tue Apr 15, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Most solid small car
Replies: 25
Views: 3151

Re: I have a cell phone and am in search of a carrier

WalMart Straight Talk here for years,satisfied :happy
by Toons
Sun Apr 13, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: B&M Bank: BoA or Wells Fargo?

Never had an account with BOA ,been with Wells many years though,no complaints,,,hey If Warren is one of their largest shareholders might that account for something? :happy "I like loading up on the one I like best," he said" http://www.bizjournals.com/sanfrancisco/blog/2014/02/warren...
by Toons
Tue Apr 08, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: B&M Bank: BoA or Wells Fargo?
Replies: 25
Views: 1262

Re: Good/cheap camera with HD video?

Get 2,,,,, Best Seller :happy "Preserving memories in rich, lifelike 720p HD video is as easy as pressing the dedicated movie button, and Scene Modes like Fisheye Effect, Toy Camera Effect and Monochrome give you new ways to shoot more creatively." http://www.amazon.com/Canon-PowerShot-A2...
by Toons
Tue Apr 08, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Good/cheap camera with HD video?
Replies: 3
Views: 172

Re: Good/cheap camera with HD video?

Get 2,,,,, Best Seller :happy "Preserving memories in rich, lifelike 720p HD video is as easy as pressing the dedicated movie button, and Scene Modes like Fisheye Effect, Toy Camera Effect and Monochrome give you new ways to shoot more creatively." http://www.amazon.com/Canon-PowerShot-A25...
by Toons
Tue Apr 08, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Good/cheap camera with HD video?
Replies: 3
Views: 172

Re: Market falling emotions

Falling Prices,,,,,,,Finally!More Shares for the same money. What every long term investor should want :happy
by Toons
Mon Apr 07, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2195

Re: How are you preparing for the coming bear market

Stay the course,ignore the noise,,,,spend time with family,do volunteer work (the important things in life) :happy
by Toons
Sun Apr 06, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7861

Re: WSJ article: Ready or Not, Your Kids Own the Money

I turned over the UGTMA mutual fund to my son when he turned 21 ,who I had been anticipating would use the money for college.I had been dollar cost averaging for 15 years,a tidy sum indeed.Well the best laid plans of mice and men,he quit school after 3 weeks,age 18.Fortunately after much trial and t...
by Toons
Fri Apr 04, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article: Ready or Not, Your Kids Own the Money
Replies: 25
Views: 4078

Re: Online Wills

Legacy Writer worked fine for me,all documents,will,living will etc . I remember paying 19.95 a few years back.

Had 2 witnesses sign and also had it notarized

http://www.legacywriter.com/
by Toons
Fri Apr 04, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 2427

Re: Pay Off Mortgage

Pay it Off,,been there done that :happy
by Toons
Wed Apr 02, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 3793

Re: Expensive hobbies and possessions? (B/c you can...)

Roadtrek Agile SS Class B- RV. :happy Those are nice! - as someone who was a Westphalia owner/aficionado decades ago these Sprinter RV's have been tempting me. Go for it! Take a Sprinter for a test drive. Turbo charged 4cylinder phenomenal torque translates to excellent acceleration. Been averaging...
by Toons
Tue Apr 01, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9241

Re: Expensive hobbies and possessions? (B/c you can...)

Roadtrek Agile SS Class B- RV. :happy

Image
by Toons
Tue Apr 01, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9241

Re: DIY Landscaping to Save $

Last year we did our own(again)
Purchased
1,Ground Cover (from lowes)
2.Bags of medium sized stone to go over ground cover(about 25 bags)
3.Spring and summer ornaments,artificial(flowers,butterfly etc. from the Dollar Store)
4.Mission accomplished,no weeds,no maintenence,,,,Keep It Simple :happy
by Toons
Tue Apr 01, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: DIY Landscaping to Save $
Replies: 10
Views: 1012

Re: Do you have a Tax Advisor?

No tax advisor here :happy
by Toons
Wed Mar 19, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Tax Advisor?
Replies: 21
Views: 1659

Re: Confession: I bought a stock. What is wrong with me?

Nothing wrong with buying an individual stock,as long is it is not a majority of your assets.
I purchased Coca Cola ,Microsoft,Mcdonalds,Walmart,Praxair ,US Surgical(lost a lot),and have held for years.
Would do the same thing over again if I had the choice.
by Toons
Sun Mar 16, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 25
Views: 2149

Re: Amazon Prime Increase

Yeah, I got the notice this AM. Do $25 and up orders still get the free shipping? If so I will probably drop Prime. I don't use any of the other services -- no streaming (my Internet is too slow), not free Kindle stuff (I hate reading on that device -- sold mine in a yard sale). From Amazon "E...
by Toons
Thu Mar 13, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Re: Merrill Lynch

Snake oil (at least if those returns are described as predictable and recurring). IF the rep could get those results all the time, after several years of investing his/her own money, there would be a nice home on a tropical island someplace, and no interest in cold calling new clients... RM +1
by Toons
Thu Mar 13, 2014 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch
Replies: 19
Views: 1694

Re: Amazon Prime Increase

sscritic wrote:There were previous threads about Amazon's intention to raise the price. Thanks for the factual update Toons.


:thumbsup
by Toons
Thu Mar 13, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Amazon Prime Increase

FYI Received email short while ago: "We are writing to provide you advance notice that the price of your Prime membership will be increasing. The annual rate will be $99 when your membership renews on xxxxx Even as fuel and transportation costs have increased, the price of Prime has remained th...
by Toons
Thu Mar 13, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Re: Happy fifth birthday! [since the 2008-2009 market crash]

Very/thankful for what Mr Market has given me the last 5 years :happy
by Toons
Sun Mar 09, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3352

Re: How did you get through the market crash in 08-09

cheese_breath wrote:Historical perspective helps. I lived through the 1970s bear market, 1987 crash, 2001 crash, and everything in-between so I knew it would eventually come back and just stayed the course.


+1 just kept buying shares of index funds
by Toons
Sun Mar 09, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5454

Re: is VG Lifestyle Growth fund active or passive??

" Each inside inside have certain allocation %. And that allocation can change daily, weekly, monthly depending on high or low performance / gain /loss of each inside fund. "

Where did you read that? :happy
by Toons
Tue Mar 04, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: is VG Lifestyle Growth fund active or passive??
Replies: 3
Views: 298

Re: Multiple Tax Lots from Reinvesting Dividends

I was under the impression that all investment firms were required to keep track of your taxable transactions and provide that information at the end of the year. Therefore, the burden of tax reporting falls mostly on the investment firm. So I don't see a disadvantage of re-investing all dividends ...
by Toons
Tue Mar 04, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Multiple Tax Lots from Reinvesting Dividends
Replies: 20
Views: 683

Re: Multiple Tax Lots from Reinvesting Dividends

I started reinvesting dividends long before I thought about matters such as tax lots. Fortunately, I now have a computer and computers are really good at basic arithmetic, so I do not fear a large number of tax lots. +1 ,Been reinvesting for decades,bond funds,stock funds,individual stocks.I use Qu...
by Toons
Tue Mar 04, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Multiple Tax Lots from Reinvesting Dividends
Replies: 20
Views: 683

Re: Why do investors prefer cash dividends?

Got me thinking
I just checked Mcdonalds Investment Performance in Quicken,having entered every transaction over the many years including dividend distributions
The Average Annual Total return is 9.97% as of today :happy
by Toons
Tue Mar 04, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5568

Re: Why do investors prefer cash dividends?

Still trying to grasp this My latest Mcdonalds dividend which is payable on 3/17 is .81 per share,last year it was .77 a share(keeps rising every year) I multiply shares held by the dividend which is my total dividend payment. Is the suggestion to calculate the dividend before ex dividend date then ...
by Toons
Tue Mar 04, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5568

Re: Why do investors prefer cash dividends?

Why would I sell shares of Mcdonalds ,Coke or Walmart which I have held for 20 years,,,the share price keeps rising and so does the dividend.If I sell the stock,,there are transactions costs I would have to pay ,,,and less shares means "lost dividend opportunity". Maybe I am missing somet...
by Toons
Tue Mar 04, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5568

Re: Get ready for the Dow at 6,000 by 2016: Pro

Great news knowing that a fantastic buying opportunity will be presenting itself in the future ,similar to the buying opportunities of 2000-2002 and 2007-2009 ,thanks for the heads up! :sharebeer
by Toons
Tue Mar 04, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 4507

Re: Why do investors prefer cash dividends?

Why would I sell shares of Mcdonalds ,Coke or Walmart which I have held for 20 years,,,the share price keeps rising and so does the dividend.If I sell the stock,,there are transactions costs I would have to pay ,,,and less shares means "lost dividend opportunity". Maybe I am missing someth...
by Toons
Tue Mar 04, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5568

Re: question about the consequence of reinvesting dividends

Example: I Have purchased and reinvested dividends in Vanguard Short Term investment Grade for 6 years. I sold "some" shares 3 weeks ago. The shares I sold were those that were purchased ,along with reinvested shares , 6 years ago All shares treated as long term gains,held over a year,Firs...
by Toons
Tue Mar 04, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: question about the consequence of reinvesting dividends
Replies: 20
Views: 1191

Re: short term investment as of today

Vanguard Short Term Investment Grade ,either Investor or Admiral Shares :happy

https://personal.vanguard.com/us/funds/ ... IntExt=INT
by Toons
Mon Mar 03, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: short term investment as of today
Replies: 11
Views: 790

Re: [POLL] What do Bogleheads DRINK?

Folgers Black Silk Coffee,Canada Dry Ginger Ale,Sprite Zero ,Water,,,,and not necessarily in that order
I gave up alcohol decades ago,,,I decided to invest the "drinking money" the day I quit :D


Image
by Toons
Mon Mar 03, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3761

Re: How much is a fair hourly fee?

Out of curiosity can someone shed light on what I would be getting for a few 300 per hour conversations with fee :happy advisor,,I truly might be missing out on something. I think what you are missing is that the vast majority of folks don't know the difference between a stock and a bond. I've rece...
by Toons
Mon Mar 03, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 4844

Re: How much is a fair hourly fee?

Out of curiosity can someone shed light on what I would be getting for a few 300 per hour conversations with fee :happy advisor,,I truly might be missing out on something.
by Toons
Mon Mar 03, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 4844

Re: Chromebook as main computer?

For good measure: http://www.scroogled.com/chromebook This is fear. MS is so scared of the chromebook they just try to trash it in commercials. MS knows if the chromebook takes off, especially in business, then it will be the final nail in the coffin. Their phones are trash/not selling, their table...
by Toons
Sun Mar 02, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Chromebook as main computer?
Replies: 73
Views: 5560

Re: Allan Roth on "Richest Guy in the Graveyard"

While I don't at all mind spending where necessary and enjoy spending on things that make DW (and myself) happy, I still find myself saving a good portion of my pension monthly. I think that the benefit of saving and investing all those years before early retirement got us used to living (a fulfill...
by Toons
Sat Mar 01, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth on "Richest Guy in the Graveyard"
Replies: 53
Views: 6475

Re: Where do you park cash?

Vanguard short term investment grade :happy
by Toons
Fri Feb 21, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you park cash?
Replies: 48
Views: 4992

Re: Do you balance your checking account?

To the "Penny" via Quicken :happy
by Toons
Mon Feb 17, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4921

Re: best tips for passwords?

anyone have any good tips for creating safe passwords? what is most important? 1) length? 2) using non-letter characters? 3) changing them often? 4) does every website need a different password? my guess is all of the above. however, is there a way to create passwords that dont need to be changed m...
by Toons
Sun Feb 16, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8519
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