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Re: Buying a car.

OK, I have a question about buying a "new' car. I put "new" in quotes because I am leaning towards a used vehicle that would be new to me. So here are the questions to pick your brain with. Do you buy vehicles new or used? If used, how old? Is there a way to get the best deal other t...
by Toons
Thu Oct 23, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a car.
Replies: 7
Views: 363

Re: Gross Yearly Income needed in Retirement (Speculation)

anonforthis wrote:Wow, so many people are such spenders. I think 40k after taxes is plenty to do all those things you listed with no debt for us.



+1 In that ballpark :happy
by Toons
Thu Oct 23, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 81
Views: 4657

Re: How did you buy your forever home (or larger home)?

Our forever home ,the one we are in now cost less and was less square footage than my prior home.We sold the larger home,paid for the smaller forever home,,and had a few dollars left over after all was said and done.Didn't want a mortgage payment :happy
by Toons
Wed Oct 22, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 6
Views: 778

Re: Just wondering how you personally calculate net worth

Ron Ronnerson wrote:I keep it simple: Assets minus Liabilities = Net Worth



+1 :happy
by Toons
Wed Oct 22, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 46
Views: 2377

Re: locating a competent PC repair shop........

jebmke wrote:
Toons wrote:Virus removal is really not that difficult . :happy

Simple re-installation of the OS will cure any virus.


Agree indeed it will.Fortunately I have been able to remove many a virus for others, without re-installing a their OS>
by Toons
Wed Oct 22, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 702

Re: locating a competent PC repair shop........

I will say that in general most repairs don't make sense on a cost/benefit analysis. +1 Tend to agree given what they cost these days.If one has a hardware issue,then that is parts and labor you pay to a shop.It it is software,then that can usually be fixed without going to a shop.Virus removal is ...
by Toons
Wed Oct 22, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 702

Re: When to think about tax lost harvesting

I have found myself waiting till December over the years.So far nothing to losses to harvest this year,,,no complaints at all. :happy
by Toons
Wed Oct 22, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: When to think about tax lost harvesting
Replies: 19
Views: 1309

Re: locating a competent PC repair shop........

Hello: As always I'd like to thank each and everyone for your time in replying to my previous inquiries.......Thank you! I live in a rural area of Fl,and PC repair shops are in its infancy........Do you have any suggestion as how to locate a reliable PC repair shop?.Many thanks for your input! :( W...
by Toons
Wed Oct 22, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 702

Re: "You're invited to...." (nonsense talk and dinner)

Go for the meal :happy But remain steadfast and do not succumb to persuasion :happy :happy
by Toons
Tue Oct 21, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 68
Views: 3870

Re: Sharebuilder, large account bonus - Good funds to use?

$600 is less than 1/2 of one percent of $125,000 and after fees you'll wind up with less than $600 so probably not worth the trouble but to each their own. Sharebuilder offers several Vanguard mutual funds the trade fee is $20 for mutual funds. My suggestion would be to move the money into one of V...
by Toons
Tue Oct 21, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Sharebuilder, large account bonus - Good funds to use?
Replies: 29
Views: 1024

Re: Vanguard rides wave of success

Compared with its rivals over the last 20 years, it's instructive to see Vanguard's growth of market share for all U.S. mutual funds and ETFs (chart below). There can't be much doubt that Vanguard's steady growth is driven by the much lower cost of its offerings. These are the industry's asset-weig...
by Toons
Tue Oct 21, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard rides wave of success
Replies: 3
Views: 1119

Re: Stocks as long term investments

Oh go ahead and buy a handful of stocks it you want to,its not a Crime :happy .JNJ,KO,WFC,XOM,MCD,PEP.AXP. I won't go back to the risk of it, or I would only keep it as 5% of my portfolio, but I wouldn't leave out MO, NSC, and D if you want individual stocks, but as other wise members advise index ...
by Toons
Tue Oct 21, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks as long term investments
Replies: 48
Views: 3140

Re: Stocks as long term investments

Oh go ahead and buy a handful of stocks it you want to,its not a Crime :happy .JNJ,KO,WFC,XOM,MCD,PEP.AXP.
by Toons
Tue Oct 21, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks as long term investments
Replies: 48
Views: 3140

Re: POLL: How fulfilling is your retirement?

Thanks for this poll. I believe that retirement will be fulfilling, but wonder if my life has been molded around my work for so long, that I will find myself adrift. It's good to know that this is not the case for the majority responding to the pool. This makes me less worried. I think it is a comm...
by Toons
Tue Oct 21, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2980

Re: Can Navigation be added to a new Toyota Sienna?

I would not do it. 3/4 of our cars have built-in standard GPS. 3/4 of our cars have peripheral devices (2 TomTom and 1 Garmin). I am transitioning to using my phone for GPS; Google Maps seems to make better route choices than any of the built-ins and usually better than the peripheral devices. Addi...
by Toons
Tue Oct 21, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Can Navigation be added to a new Toyota Sienna?
Replies: 7
Views: 396

Re: Can a homemaker use a Roth & i401k?

"A non-working spouse can open a Roth IRA based on the working-spouse’s earnings (and the couple’s tax filing status)" :happy

http://www.rothira.com/roth-ira-rules
by Toons
Tue Oct 21, 2014 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Can a homemaker use a Roth & i401k?
Replies: 14
Views: 971

Re: funding roth ira for son

As has been mentioned have him do it himself.He will be contributing to his Roth in the future so why not set the account up now.Vanguard makes it extremely easy to perform this task on line online.After he sets up the account he could use the "mobile check investment" feature to deposit h...
by Toons
Mon Oct 20, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: funding roth ira for son
Replies: 10
Views: 1119

Re: 2nd Opinions on Bond Alternatives?

FRANK2009 wrote:I can't offer much help regarding those two investments other than my intuition says they are probably good for the advisor's commission.


+5 :happy
Stick with TBM :happy
by Toons
Mon Oct 20, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 26
Views: 1433

Re: Help Choosing Investments and Coordinating Debt Paydown

Gronnie,,,,,Dave Ramsey for paying down and then paying off debt.Forget his investing advice though.
Keep it simple.Its a matter of behavior changing. :happy
In a Nutshell

http://www.daveramsey.com/new/baby-steps/
by Toons
Mon Oct 20, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Investments and Coordinating Debt Paydown
Replies: 28
Views: 1251

Re: DOW Watchers Stomach Syndrome

What happened this day last year,,,last week,,I either don't know or have forgotten :happy
by Toons
Mon Oct 20, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2076

Re: UGMA Custodial Account Redemption

They may have invested in mutual funds,in that case when the :happy fund is liquidated you would pay taxes on capital gains,or you may capital losses.
by Toons
Mon Oct 20, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA Custodial Account Redemption
Replies: 5
Views: 370

Re: Smartphone questions

FYI :
Straight Talk

"After 3 GB, your data speed will be reduced for the remainder of the 30 day cycle. High speed data is restored once a new 30 day service plan is redeemed at the end of the 30 day plan cycle." :happy
by Toons
Mon Oct 20, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 63
Views: 3674

Re: How do you wash your car?

I hand wash myself once a month and run it through the Costco car wash once per month. I have a 2008 CRV and between the wash/wax and garage storage it still looks great. I think the extra time/ money spent helps keep value up. I'm surprised to see how many people use the rain to wash. Of course I ...
by Toons
Mon Oct 20, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 118
Views: 4794

Re: online shopping for laptop PC

Depends on what you want to do.Other than using Quicken software on my desktop or laptop,I find myself using Samsung Chromebook most of the time.But to answer your question.Wal-Mart,Sams,Costco,Amazon all offer excellent prices and a generous return policy. :happy http://www.walmart.com/ip/Acer-Nigh...
by Toons
Mon Oct 20, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 23
Views: 1203

Re: Smartphone questions

FYI:Upgraded the wifes phone from an LG that was also with StraightTalk to this Ultimate 2-3g(1.2ghz dual core) priced @129.00 So far it has surpassed our expectations in all areas of operation.Not a "high end"phone but reasonably priced,consider a very good value. :happy http://i60.tinypi...
by Toons
Mon Oct 20, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 63
Views: 3674

Re: How do you wash your car?

Works great for drying the vehicle. :happy

http://www.walmart.com/ip/Absorber-High ... l/16767897
by Toons
Mon Oct 20, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 118
Views: 4794

Re: DOW Watchers Stomach Syndrome

Sidney wrote:
Toons wrote:"As I walk away from watching the recorded news"

Why don't you try recording something different,,something like re-runs from the TV-Land channel, :sharebeer

or pro-wrestling. Sometimes hard to tell the difference between that and cable news.



:sharebeer
by Toons
Mon Oct 20, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2076

Re: How do you wash your car?

Didn't mean to set off a firestorm here. :oops: Since I don't have a garage and my car is exposed to the elements constantly - I tend to forget that other people (maybe more prosperous than me) do have garages to keep their cars. So, to start over again :P Is it okay to say that people whose cars s...
by Toons
Mon Oct 20, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 118
Views: 4794

Re: DOW Watchers Stomach Syndrome

"As I walk away from watching the recorded news"

Why don't you try recording something different,,something like re-runs from the TV-Land channel, :sharebeer
by Toons
Mon Oct 20, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2076

Re: How do you wash your car?

I wash vehicles,including RV with Meguiars Ultimate Wash & Wax on a frequent basis :happy

http://www.amazon.com/Meguiars-G17748-U ... sh+and+wax
by Toons
Mon Oct 20, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 118
Views: 4794

Re: Replacing primary sump pump - how difficult

I replaced 2 of them in the past 22 years, mine was not bad to replace but I consider myself handy, replacing a water heater/furnace is just something I enjoy so I do it myself. If it all plastic PVC pipe it easy to cut patch replace. Each pump I replaced required some modification to the plastic p...
by Toons
Sun Oct 19, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1019

Re: Kindle HDX or iPad Air?

by Toons
Sun Oct 19, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Kindle HDX or iPad Air?
Replies: 17
Views: 1390

Re: POLL: How fulfilling is your retirement?

Life is what you make it,whether retired or not ,it was great before retirement and it is great in retirement.I am content :happy
by Toons
Sun Oct 19, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2980

Re: What will you do when you retire?

Already retired,,some of the things I do,,,sleep late sometimes,cook,clean,read,play golf,visit family,travel,Study wikipedia,work with computers and various other technologies,play golf,take care of the yard,play crossword puzzles,enjoy photography,read bogleheads,stream netfilix,youtube,watch the...
by Toons
Sat Oct 18, 2014 7:37 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 37
Views: 3624

Re: What tax software do you use and why

TaxAct for years now.Deluxe Online
Why?
Handles any tax situation.
Price is still excellent,although it has been trending up the last few years :happy

https://www.taxact.com/support/527/whic ... archValue=
by Toons
Sat Oct 18, 2014 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2523

Re: What will you do when you retire?

Already retired,,some of the things I do,,,sleep late sometimes,cook,clean,read,play golf,visit family,travel,Study wikipedia,work with computers and various other technologies,play golf,take care of the yard,play crossword puzzles,enjoy photography,read bogleheads,stream netfilix,youtube,watch the ...
by Toons
Fri Oct 17, 2014 1:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 37
Views: 3624

Re: Replacing primary sump pump - how difficult

I didn't find it hard at all.Fairly straight forward,,,,a little messy but you can do it yourself :happy

https://www.youtube.com/watch?v=TqNlGfa ... redirect=1
by Toons
Fri Oct 17, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1019

Re: Is it possible to have a favorite movie

stemikger wrote:
Toons wrote:Yes it is,I have seen countless movies over the decades and Das Boot still ranks as my favorite. :happy

http://www.netflix.com/search/das%20boot


Thanks for the link Toons.



Thanks Stem,,,I will probably watch it again today!Like you have seen it so many times,never tire of it :sharebeer
by Toons
Fri Oct 17, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3071

Re: Is it possible to have a favorite movie

Yes it is,I have seen countless movies over the decades and Das Boot still ranks as my favorite. :happy

http://www.netflix.com/search/das%20boot
by Toons
Fri Oct 17, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3071

Re: Buy a new car, or fix the old one?

"It's not really a financial burden one way or the other"

That being said if you can afford to pay cash ,buy a new set of wheels, :sharebeer
by Toons
Fri Oct 17, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2941

Re: "The best response to market volatility"

A while back I looked at the tax-loss harvesting moves I've made and the replacement funds I chose always ended up underperforming what I sold to get the tax loss. Personal experience that demonstrates to me at least the best advice is more often than not to do nothing . Bogle said the same thing t...
by Toons
Thu Oct 16, 2014 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: "The best response to market volatility"
Replies: 27
Views: 3333

Re: Please help me solve my wireless router issues

...Usually there are 5 jacks, one is usually marked "WAN" and the other 4 will usually be marked "LAN." Make sure that the ethernet cable from the modem to the router is in the WAN jack and not the LAN jack. The jack is marked "Internet" and that is the one I'm using, ...
by Toons
Thu Oct 16, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Please help me solve my wireless router issues
Replies: 29
Views: 1191

Re: "The best response to market volatility"

Stay on Course Through both Calm and Stormy Seas-Vanguard :happy
by Toons
Thu Oct 16, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: "The best response to market volatility"
Replies: 27
Views: 3333

Re: Quick Garmin Question

I have found both their email and phone support excellent in the past :happy

https://support.garmin.com/support/sw/escalateForm
by Toons
Thu Oct 16, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Quick Garmin Question
Replies: 5
Views: 486

Re: Re-entering market - all at once, or over time?

All In,,,,,,Time Not Timing,,,,,The Dow was @870 in 1981 when I started,,,I don't know where it is today maybe 15k,,anyway 20 years from today it won't matter,just put the money to work :happy
by Toons
Thu Oct 16, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-entering market - all at once, or over time?
Replies: 13
Views: 924

Re: Please help me solve my wireless router issues

Not knowing who your cable provider is I can recall,when I purchased my 6141 Docsis modem quite a while back I had to call Comcast to have it activated,after that was done it has worked flawlessly. :happy "Once you have the cable modem, you’ll need to call your cable provider and have it activa...
by Toons
Thu Oct 16, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Please help me solve my wireless router issues
Replies: 29
Views: 1191

Re: Advice with medium-term investing

I'm hoping for a few suggestions regarding medium-term investing over the course of the next 6-8 years. All financial details were previously posted. After 6-8 years, we'll likely be interested in purchasing a home (and selling our current home), so the goal is to make the 'spare' cash that we have...
by Toons
Thu Oct 16, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice with medium-term investing
Replies: 6
Views: 482

Re: Does your ROTH hold risky or stable items?

Roth holds Lifestrategy Growth and Wellesley Income Funds. :happy
by Toons
Thu Oct 16, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3339

Re: Headed for a 300+ point loss today?

One of many Buffett quotes I enjoy :happy

"Long ago, Ben Graham taught me that ‘Price is what you pay; value is what you get.’ Whether we’re talking about socks or stocks, I like buying quality merchandise when it is marked down."
by Toons
Thu Oct 16, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28384

Re: Headed for a 300+ point loss today?

Let's see how far today's drop goes. AS a young investor this is finally some great news. I will be increasing my contributions in my Roth 403b and Roth IRA. I would never want to wish any harm on people's jobs/homes...but I do love seeing stocks in free fall. :sharebeer I hate statements like this...
by Toons
Thu Oct 16, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28384
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