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Re: Short term reserve question.

joe8d wrote:Online Bank Savings Accounts.


+1 :happy
by Toons
Fri Oct 31, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term reserve question.
Replies: 7
Views: 419

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 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 576

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 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 576

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 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 47
Views: 4783

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 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 8103

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 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Ignore market headlines
Replies: 11
Views: 1325

Re: Paying for new car with loan or IRA?

Loan :happy
by Toons
Fri Oct 31, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Paying for new car with loan or IRA?
Replies: 12
Views: 464

Re: Coupons? Do you live by them?

We use an occasional coupon
by Toons
Fri Oct 31, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 42
Views: 1983

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 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use TurboTax in this scenerio?
Replies: 11
Views: 779

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 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What savings vehicle should I use for my car?
Replies: 35
Views: 1505

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 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: My college son's investment in Merril Lynch
Replies: 17
Views: 1560

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 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: How are you supposed to move a 401k
Replies: 19
Views: 1131

Re: Joint accounts or separate accounts for married couples?

We are married ,everything is joint. :happy
by Toons
Thu Oct 30, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 37
Views: 1808

Re: Checking monthly - may not even notice the October "cras

This did not even qualify as a correction (>10% change), let alone a crash. People have short memories of what a real crash is. Agree,,the last Crash=Opportunity was 2007-2009 :happy Actually, it seems to me that people are even forgetting 2011 . The narrative has become crash in 2008-2009, then al...
by Toons
Wed Oct 29, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 49
Views: 3632

Re: "Schwab Intelligent Portfolios"

Ganacel wrote:Would this convince anyone here to open a taxable account/IRA with Schwab (or move their taxable account/IRA from Vanguard to Schwab)?


No thanks :happy
by Toons
Wed Oct 29, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: "Schwab Intelligent Portfolios"
Replies: 40
Views: 2756

Re: What online banks do you like for savings or MMA?

Capital One 360,been with them for over 10 years back when it was ING. Rates could be a little better,but I gave up rate chasing years ago. I have had no problems whatsoever,web interface is easy to navigate. I have been using their checking account feature quite a few years now as a "paperless...
by Toons
Wed Oct 29, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 44
Views: 2622

Re: Christine Benz ,Bogle Interview

Common Sense Talk :happy http://www.morningstar.com/Cover/videoCenter.aspx?id=670432 Hi: For keeping a historical record of conference proceedings we devote a wiki page to interviews and video from the most recent meeting ----> Bogleheads® 13 videos - Bogleheads As more videos are released, the pag...
by Toons
Wed Oct 29, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 4
Views: 774

Re: Checking monthly - may not even notice the October "cras

munemaker wrote:This did not even qualify as a correction (>10% change), let alone a crash.

People have short memories of what a real crash is.


Agree,,the last Crash=Opportunity was 2007-2009 :happy
by Toons
Wed Oct 29, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 49
Views: 3632

Re: Moving 401(k) to IRA

My husband's 401(k) was held at Vanguard. About 2 years ago, the company decided to move everyone's account to Fidelity. I'm not happy!!! He is over 59 1/2. Can't we take his 401(k) and rollover to Vanguard IRA without penalty? He has a mixture of traditional and Roth -- just let it slide over as i...
by Toons
Wed Oct 29, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving 401(k) to IRA
Replies: 6
Views: 439

Re: Using your own equipment on Uverse and Comcast

We only have internet with Comcast. ... Getting much better service, can use all the bells and whistles on our new router and didn't even need to ring Comcast to activate it - all done online. How did you activate the new modem online? You did not have the Internet connection until the new modem wa...
by Toons
Wed Oct 29, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1775

Re: Christine Benz ,Bogle Interview

stemikger wrote:Thanks for posting! I always get inspired by Mr. Bogle and Christine Benz is not that bad on the eyes either. :beer


:sharebeer
by Toons
Wed Oct 29, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 4
Views: 774

Re: A Challenge for Bogleheads - the market has changed

I purchased a rather substantial amount of the S&P index 2 months ago and haven't given it much thought since then.Why worry about what is out of your control,the rollercoaster ride is part of the journey. :happy
by Toons
Wed Oct 29, 2014 9:25 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 52
Views: 5160

Re: You may be getting charged rent for a router/modem you o

I have really had no problems with Comcast other than being dissatisfied with cable tv pricing but there is nothing I can do about that other than cancel so I deal with it.The last couple of years I have gotten a 20.00 per month discount on my bill.After the first year,I walked into the local cable ...
by Toons
Wed Oct 29, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3573

Re: Is a 0.9% wrap fee too high to consider?

I would consider opening a Roth IRA directly with Vanguard therefore eliminating any wrap fees or additional fees whatsoever,waste of money. :happy

Annuities inside a 403b, :shock:

http://www.fool.com/investing/ira/2004/ ... -457b.aspx
by Toons
Tue Oct 28, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 0.9% wrap fee too high to consider?
Replies: 8
Views: 663

Re: Do I need life insurance?

Just one of many threads on the forum relating to "Life Insurance". :happy

viewtopic.php?f=2&t=123528
by Toons
Tue Oct 28, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1306

Re: Checking monthly - may not even notice the October "cras

All the time and energy spent digesting the "noise",,Yawn :sharebeer
by Toons
Tue Oct 28, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 49
Views: 3632

Re: Do I need life insurance?

I would not (and did not) pay for life insurance in your situation. Life insurance is set up so that in the event of your untimely death, your surviving beneficiary will get a payment to help alleviate the loss of your contribution. If you have no dependents or family that is depending on you, the ...
by Toons
Tue Oct 28, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1306

Re: To payoff mortgage or not

keith6014 wrote:Thanks everyone for your advice and comments.

Its finally over! :-)

Now, I need to get started in Taxable account


Kudos! :happy
by Toons
Tue Oct 28, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 64
Views: 3688

Re: Lightweight Electric Blanket.

I purchased the Sunbeam Plush Electric Blanket King Size in the Wal-Mart link below from Sams Club(80.00)..The blanket feels amazing,soft(PLUSH) lightweight.It provides an amazing amount warmth and comfort when the heating elements are not in use.Very pleased with the product and would recommend. Th...
by Toons
Tue Oct 28, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Lightweight Electric Blanket.
Replies: 8
Views: 943

Re: Using your own equipment on Uverse and Comcast

Comcast here.What I did was purchase my own cable modem(Docis 3 technology-enables faster download speeds with Comcast).I then attached my router (below).I have 3 TVS and one box which cost 9.95 per month rental.The other 2 TVs have digital adapters ,which are now necessary to receive a cable signal...
by Toons
Sun Oct 26, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1775

Re: How often do you change your car's oil?

"Stop Changing Your Oil" :happy
"About the only ones that really need a 3,000-mile oil change are the quick-lube outlets and dealership service departments"

http://www.edmunds.com/car-care/stop-ch ... r-oil.html
by Toons
Sun Oct 26, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6246

Re: How often do you change your car's oil?

I take my cars (Honda Accords) to the dealer twice a year (in November to have studded snow tires put on and in April to have them taken off). I have them change the oil at those times (even though I drive much less than 3K miles during those intervals.) Is there a reason you do it at the dealershi...
by Toons
Sun Oct 26, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6246

Re: How often do you change your car's oil?

I take my cars (Honda Accords) to the dealer twice a year (in November to have studded snow tires put on and in April to have them taken off). I have them change the oil at those times (even though I drive much less than 3K miles during those intervals.) +1 :happy I changed oil myself for all my ca...
by Toons
Sun Oct 26, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6246

Re: Store or cut up un-needed credit cards?

Cut,in the trash :happy
by Toons
Sat Oct 25, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2465

Re: The 1 Thing Successful Investors Never Do

Reminds me of what Peter Lynch said when it came to investing:

“The stomach is the key organ here. It’s not the brain.” :happy
by Toons
Fri Oct 24, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 12
Views: 4810

Re: How do you wash your car?

I'm going outside now and wipe down one of my vehicles,,probably wash it later today. :happy
by Toons
Fri Oct 24, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6841

Re: Electronic lock experiences

I am considering the following lock for our home: http://www.amazon.com/Schlage-FE595VCAM619ACC-Camelot-Keypad-Lock/dp/B000NJJ1TY/ref=sr_1_5?ie=UTF8&qid=1414151637&sr=8-5&keywords=electronic+lock Or something similar. We sometimes share the keys with vendors (painters, carpenter, plumbe...
by Toons
Fri Oct 24, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 13
Views: 1276

Re: How often do you change your car's oil?

Once a year or whenever the maintenance minder in the Hondas alerts me,,,its usually between 8-10k for Crv and Fit. :happy
Recently purchased Sprinter 2500 diesel ,once a year or every 15k :happy
by Toons
Fri Oct 24, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6246

Re: Query re Vanguard letter urging brokerage account by Nov

Today during the Bogleheads Conference, we met with some of the people from Vanguard about the new account structure. I explicitly asked them if conversion is manadatory (no) and if mutual fund only accounts would remain available (yes). They said this is being advertised as a convenience factor, b...
by Toons
Thu Oct 23, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10943

Re: VCR Head Cleaning

Atilla wrote:Find the heads so you know where they are. Then use cotton swabs (q-tips) and alcohol. Head cleaners are a joke.



+3 Thats all I ever used(q-tips and alcohol) when I had VCRs,,,years ago.On a sidenote I remember paying 500 bucks for my first one when they first came out :shock:
by Toons
Thu Oct 23, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 13
Views: 1028

Re: Query re Vanguard letter urging brokerage account by Nov

Angst wrote:I'd suggest just giving them a call. It might be easier and more quickly to the point than pursuing this thread.


+1 :happy
by Toons
Thu Oct 23, 2014 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10943

Re: Is Wells Fargo misleading my friend?

Class C share funds,,I have owned them myself many years ago when I was an uninformed investor and relied on a broker. I have no regrets ,It was what I thought was right at the time .Anyway the class C share fund is not advisable for a long term investment,expensive,expensive. :happy " c-share ...
by Toons
Thu Oct 23, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Wells Fargo misleading my friend?
Replies: 21
Views: 2511
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