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Re: Microsoft Excel vs. Apple Numbers

terran wrote:I've been quite happy with LibreOffice which is free and open source. It's very similar to excel -- the same formulas and tutorials usually work. It can also open/save excel files just fine.


+1 Same here :happy
by Toons
Sun Feb 01, 2015 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Microsoft Excel vs. Apple Numbers
Replies: 16
Views: 1033

Re: Need advice on financing RV

"The third option is we simply continue to finance the RV until the house sells."

I would use that option ,then once the house is paid off,pay off the RV loan,happy travels :happy
by Toons
Sun Feb 01, 2015 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on financing RV
Replies: 5
Views: 359

Re: Problem importing Vanguard into Turbotax

z3r0c00l wrote:
mur44 wrote:I downloaded my Vanguard data successfully yesterday.
By the by, I am using Turbotax Premier version.


Same, dividends killed me this year.


Aren't dividends a good thing? :happy
by Toons
Sun Feb 01, 2015 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem importing Vanguard into Turbotax
Replies: 5
Views: 350

Re: Mac reliability?

Windows,Apple,,,both are excellent :happy
by Toons
Sun Feb 01, 2015 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 80
Views: 3364

Re: Boomers and dividend stocks

"Many a millionaire has been made by buying, holding and reinvesting dividends in blue chip stocks with a long history of raising their dividends such as Altria Group, Exxon, Proctor & Gamble, Johnson & Johnson and Coca Cola."

+1 Oh so true. :happy
by Toons
Sun Feb 01, 2015 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: Boomers and dividend stocks
Replies: 10
Views: 313

Re: Where to keep large balance in Estate account

I think relatively few banks have savings accounts for businesses/trusts/estates. Keeping the money safe (as you are aware) is more important than earning small amounts of interest. I think you might be correct. I was the executor of my Mothers estate in Virginia and I recall the bank I was dealing...
by Toons
Sun Feb 01, 2015 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to keep large balance in Estate account
Replies: 4
Views: 337

Re: Buy High, Sell Low : Avoid Market Timing

mbk wrote: I actually prefer the market to tank, it's like a black friday sale on stocks! Be careful on what you wish for... it just might happen but long, hard, and relentlessly. We live in a crazy world.. anything is possible and nothing is guaranteed especially in investing. That's my personal t...
by Toons
Sun Feb 01, 2015 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 21
Views: 1136

Re: Buy High, Sell Low : Avoid Market Timing

"Do you ever find yourself doing this? The market is on a roll doing great so you get greedy and buy more equities." No I do not,,but try this timing strategy,,,It probably won't make a difference,but only buy shares when the market drops in triple digit figures during the day,Never buy w...
by Toons
Sun Feb 01, 2015 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 21
Views: 1136

Re: Buy High, Sell Low : Avoid Market Timing

"Do you ever find yourself doing this? The market is on a roll doing great so you get greedy and buy more equities." No I do not,,but try this timing strategy,,,It probably won't make a difference,but only buy shares when the market drops in triple digit figures during the day,Never buy wh...
by Toons
Sun Feb 01, 2015 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 21
Views: 1136

Re: Switching to doing my own taxes

liveesoft: By worksheets, you mean form 8949? I do have that. kaneohe and others, here's what I have on Schedule D : Net short-team capital gain or (loss) : ( 2,202) Net long-term capital gain or (loss) : (21,462) Line 16: (23,664) Line 21: ( 3,000) http://www.irs.gov/pub/irs-pdf/i1040sd.pdf is ver...
by Toons
Sun Feb 01, 2015 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to doing my own taxes
Replies: 13
Views: 728

Re: Any Tricks for finding cost basis?

I wouldn't worry about it. As a practical matter, unless this is a huge dollar amount you won't hear from them. The most important part of reporting the sales is to make sure that your sales value jives with the 1099B. If you have a reasonable estimate of the cost basis they aren't going to get exc...
by Toons
Sun Feb 01, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Tricks for finding cost basis?
Replies: 13
Views: 585

Re: Need a new vacuum

This Hoover just keeps working and working for us,,indestructible :happy

http://www.amazon.com/Hoover-WindTunnel ... ver+vacuum
by Toons
Sun Feb 01, 2015 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Need a new vacuum
Replies: 10
Views: 362

Re: Switching to doing my own taxes

liveesoft: By worksheets, you mean form 8949? I do have that. kaneohe and others, here's what I have on Schedule D : Net short-team capital gain or (loss) : ( 2,202) Net long-term capital gain or (loss) : (21,462) Line 16: (23,664) Line 21: ( 3,000) http://www.irs.gov/pub/irs-pdf/i1040sd.pdf is ver...
by Toons
Sun Feb 01, 2015 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to doing my own taxes
Replies: 13
Views: 728

Re: Mysterious Fees in my 401(k)

TimesAWastin wrote:So it turns out it was actually an error. Fidelity should not have charged the fee to us, but to the company. Thanks everyone. :-)


Glad it worked out for you :thumbsup
by Toons
Sun Feb 01, 2015 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 13
Views: 1004

Re: Money market vs bonds

I have about $100000 in stocks that I want to get out until things settle down. I wonder would it hurt to put in Van money mart fund for 3 to 6 months? I'm still in 80% in stocks. I'm 62 this years. with 1.7m and will not use for 5 to 6 years. So many unknowns here. What kind of capital gains will ...
by Toons
Sun Feb 01, 2015 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money market vs bonds
Replies: 9
Views: 448

Re: Tax Software - Difference in return

FYI: :happy "To enter union dues in TaxACT: From within your TaxACT return click on the Federal Q&A tab Click Itemized or Standard Deductions to expand the category, then click Unreimbursed employee expenses - Subject to 2% of AGI limit Click Yes on the screen titled Itemized Deductions - J...
by Toons
Sun Feb 01, 2015 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Difference in return
Replies: 10
Views: 630

Re: Tax Software - Difference in return

You need to review your input in both software programs,box by box. :happy
by Toons
Sun Feb 01, 2015 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Difference in return
Replies: 10
Views: 630

Re: Are there skilled investors and managers?

You can't say there are skilled managers. You can only say there are some managers with good past records. You know how luck works. When you decide to invest in one with a good record, it disappears. :happy Paul I can recall quite a number of years staying invested "before"there were &quo...
by Toons
Sun Feb 01, 2015 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Are there skilled investors and managers?
Replies: 22
Views: 817

Re: Are there skilled investors and managers?

Hey , I'm gonna pat myself on the back for being a skilled investor ,I chose the right investment managers,,,I invested in Primecap Core in 2005 :sharebeer "The men who run the Primecap funds are so under the radar we couldn’t even find their pictures. And that’s just the way they want it."...
by Toons
Sun Feb 01, 2015 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Are there skilled investors and managers?
Replies: 22
Views: 817

Re: tipping by iPad

No thanks, do not need suggestive tipping advice.
I will be the decision maker as to how much I tip. :happy
by Toons
Sun Feb 01, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: tipping by iPad
Replies: 24
Views: 1005

Re: Emergency fund investing - muni fund

I access funds in this order if needed
Checking Account (CapOne 360 interest bearing)
Vanguard Short Term Investment Grade
Vanguard Intermediate Term Tax Exempt. :happy
by Toons
Sun Feb 01, 2015 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Emergency fund investing - muni fund
Replies: 8
Views: 409

Re: Switching to doing my own taxes

kendra wrote:(3,000). Schedule D has Net long-term capital gain or (loss) as (21,462).


It appears you are stating you have a Net Long term capital LOSS of 21,462.
That being the case you would have carry forward loss of 18,462
by Toons
Sun Feb 01, 2015 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to doing my own taxes
Replies: 13
Views: 728

Re: Switching to doing my own taxes

Look on schedule D
"If line 16 shows a loss, and if it's more than the loss shown on line 21, then you have a capital loss carryover from (that year)." :happy
by Toons
Sun Feb 01, 2015 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to doing my own taxes
Replies: 13
Views: 728

Re: Bogelheads has made me obsessive about our money

You can do anything you want to do.Break the habit. :happy
by Toons
Sun Feb 01, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Bogelheads has made me obsessive about our money
Replies: 29
Views: 2647

Re: Are car loans really that bad?

Some individuals ,me being one of them ,just do Not like any form of Debt. :happy
by Toons
Sun Feb 01, 2015 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Are car loans really that bad?
Replies: 38
Views: 2286

Re: Online Checking Accounts

Capital One 360 for years.No complaints,bill pay,mobile check deposit,interest bearing,nice interface,excellent customer service. :happy

https://home.capitalone360.com/
by Toons
Sat Jan 31, 2015 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Online Checking Accounts
Replies: 6
Views: 532

Re: Are Checking Accounts National?

"If I setup a WF checking account now, and get all my stuff transferred over, will I be able to use this same account out West"

Without a doubt. :happy
by Toons
Sat Jan 31, 2015 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are Checking Accounts National?
Replies: 9
Views: 592

Re: Time to jump in?

I would suggest you follow Vanguards advice(stay invested) "in for a very rough year "? "rough year"meaning declining prices?That is good news for long term investors. For every seller during the declining market 2007-2009,there was a buyer . They have been rewarded the last 5 ye...
by Toons
Sat Jan 31, 2015 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to jump in?
Replies: 11
Views: 836

Re: Semi-annual Furnace/AC Inspection

I have always had my furnace or heat pump inspected no longer than every 2 years,yearly is the recommended.I have never heard of 6 month interval. :happy

Prior thread
http://www.bogleheads.org/forum/viewtop ... 1&t=104148
by Toons
Sat Jan 31, 2015 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 935

Re: How do I balance debt v. investing in my situation

"I hate debt", " I'd love to be totally debt free". Good,you know what you don't want,and you know what you do want,implement a plan. 95,000 per year we don't make a lot . Combined with "rent free",you do make a lot 2,000 to 2,500 in savings per month Combine that with...
by Toons
Sat Jan 31, 2015 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I balance debt v. investing in my situation
Replies: 29
Views: 1718

Re: Combining LifeStragety Funds?

I hold both Lifestrategy Income and Conservative Growth I am 75 years old and have low risk tolerance. Thinking about selling Conservative Growth and moving to Income. Any opinions considering rising interest rate may hurt bonds? I think I need more bond investment but undecided about going to 100%...
by Toons
Sat Jan 31, 2015 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Combining LifeStragety Funds?
Replies: 3
Views: 312

Re: How Will You Complete Your 2014 Taxes?

TaxAct as always,Locked in pricing for 2015 recently :happy
by Toons
Sat Jan 31, 2015 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 48
Views: 2618

Re: Filed your 2014 Federal Taxes yet?

April :happy
by Toons
Sat Jan 31, 2015 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 50
Views: 2553

Re: Another "Professional Investment Advisor" portfolio

"Do you think I should do that or just quietly mention my results to those that bring up investing or market returns and hopefully help some other out one by one?"

Quietly mention,no need to make a lot of "noise". :happy
by Toons
Fri Jan 30, 2015 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another "Professional Investment Advisor" portfolio
Replies: 2
Views: 336

Re: Large Inheritance for Kids -- Asset Allocation?

Lifestrategy Growth :80/20 :happy That is just investor shares of Total Stock, Total Int'l Stock, and Total Bond. With the amounts involved the OP could reproduce the same allocation with admiral shares of the individual funds and save a few $$$ in fees with some annual rebalancing as necessary. Go...
by Toons
Fri Jan 30, 2015 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance for Kids -- Asset Allocation?
Replies: 34
Views: 2171

Re: Mortgage paydown vs. investing if moving soon

"Thus, in a situation where one plans on moving in the near future, doesn't it make the most sense to pay down the mortgage faster? Nowhere else will you get a guaranteed, risk-free return of 3.375% (or 2.53% after taxes)."

I think so ,but everyone has different thoughts. :happy
by Toons
Fri Jan 30, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage paydown vs. investing if moving soon
Replies: 8
Views: 585

Re: POLL: Prepay car loan (1.75%)

Pay it off be done with it. :happy
by Toons
Fri Jan 30, 2015 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1380

Re: Is now a bad time to buy a mutual fund?

Read the last question in the link below :happy Simply put ,Now is the best time to invest for your retirement security. Forget "where the market is." :happy http://individual.troweprice.com/public/Retail/Planning-&-Research/Tools-&-Resources/Investment-Planning/Getting-Started-Inv...
by Toons
Fri Jan 30, 2015 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to buy a mutual fund?
Replies: 13
Views: 1165

Re: Book recommendations for a new investor and father.

I stumbled up Andrew Tobias-The Only Investment Guide You'll Ever Need about 25 years ago,common sense advice easy to read.It has been updated over the years but the "message" is still applicable. :happy

http://www.amazon.com/Only-Investment-G ... B003WUYPU6
by Toons
Fri Jan 30, 2015 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Book recommendations for a new investor and father.
Replies: 8
Views: 547

Re: Searching with google while using Safari

I find myself using the "ok google" feature at the google home page and using voice to seach. :happy
by Toons
Fri Jan 30, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1263

Re: 4 essential documents: Suze Orman

FYI:
Compare different online offers. :happy
You also might want to contact a lawyer and inquire about pricing and services

http://online-legal-forms-review.toptenreviews.com/
by Toons
Fri Jan 30, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: 4 essential documents: Suze Orman
Replies: 27
Views: 3405

Re: Any other investors with 70/30 portfolio?

I am 64 and have VERY gradually moved from 90/10 stock bond to currently 69/31,,and continue to work towards 50/50 as my permanent allocation. :happy
by Toons
Fri Jan 30, 2015 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 40
Views: 3007

Re: 60 Day rollover cash

Not good at all. :shock:
by Toons
Fri Jan 30, 2015 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: 60 Day rollover cash
Replies: 6
Views: 417

Re: The challenges of staying the course...

^ seriously? Are you planning on retiring tomorrow? In 2011, I was flat, but in the following 2 years I was up big. So, you are venting over the results of a one year period? I recommend for a sanity check you review the results of 2008-2009 for people who were in the Target Retirement funds, any o...
by Toons
Fri Jan 30, 2015 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 29
Views: 2137
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