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Re: If You Print and Mail, Do You Double-Side?

I do not print my Tax Return :happy
by Toons
Wed Mar 25, 2015 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: If You Print and Mail, Do You Double-Side?
Replies: 43
Views: 13151

Re: Saving for Down Payment

"Basically I am saying that I can take a little bit of a risk. Vanguard rates this fund a 3 on a scale of 1-5,which to me means moderate risk,not a little bit of risk. "average duration of approximately 6–10 years, making its share price considerably more susceptible to interest rate chan...
by Toons
Wed Mar 25, 2015 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for Down Payment
Replies: 2
Views: 335

Re: Need a tablet maybe

So many great tablets in the marketplace Apple,Android. The Samsung S- 8.4 inch screen is my current one and performance is dazzling . Two quad core processors make a huge difference in performance 1.9 GHz Exynos 5 Octa Processor. :happy https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcRTFeblYe...
by Toons
Wed Mar 25, 2015 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1802

Re: Best Bank for Checking Account

Capital One 360 Checking :happy https://home.capitalone360.com/online-checking-account I recently switched to Capital One 360, and I love it. Got a $200 signup bonus. No fees, not even for overdrafts. I really like the mobile check deposit, online checks, and the website overall as well. There are ...
by Toons
Tue Mar 24, 2015 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2540

Re: Extra cash...how to use it?

I like choice "B" :happy Thanks for your response! Can I ask why? I sort of assumed most people wouldn't pick that option with money being so cheap right now...(due to my conservative nature however, it's my favorite choice too ;) Jay, I never have liked any kind of debt including mortgag...
by Toons
Tue Mar 24, 2015 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extra cash...how to use it?
Replies: 9
Views: 919

Re: Extra cash...how to use it?

I like choice "B" :happy
by Toons
Tue Mar 24, 2015 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extra cash...how to use it?
Replies: 9
Views: 919

Re: Vanguard HealthCare Fund

I'm 84 yrs old and have had CLL (leukemia) since 2002, so I spend more time than I would like at hospitals and doctors' offices. A couple of years ago all 3 of our local hospitals were building huge new additions. While taking a chemo treatment I looked around at the treatment stations (all occupie...
by Toons
Tue Mar 24, 2015 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 57
Views: 4635

Re: When to inject my index funds with this cash

20 years "Young"? Pay zero attention to current market levels. Invest your money sooner than later. You have the ally of Time on your side. Let your money compound for decades. Today's market highs will be a long forgotten memory. Here is a point of reference for you. When I started invest...
by Toons
Mon Mar 23, 2015 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to inject my index funds with this cash
Replies: 7
Views: 911

Re: Who should be concerned?

I am not concerned.
I am paying Vanguard to manage my money.
I will let them do their job,they are being paid to do. :happy
by Toons
Mon Mar 23, 2015 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17362

Re: 15 vs 30 yr mortgage

Goble, Run your numbers throught mortgage amortization table,,look at the amount of Interest you will be paying over 30yrs compared to 15 :happy http://www.bankrate.com/calculators/mortgages/amortization-calculator.aspx That was one of the biggest factors for me in refinancing from my 20 year to th...
by Toons
Mon Mar 23, 2015 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 80
Views: 5894

Re: Investing in the medium term say 15 years. Same princip

I would start out 60/40 stock bond and hold steadfast for a number of years. :happy
by Toons
Mon Mar 23, 2015 6:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in the medium term say 15 years. Same principles?
Replies: 7
Views: 823

Re: Calculator to determine tax owed on selling mutual fund?

FYI :happy http://www.moneychimp.com/features/capgain.htm Toons, thank you, that's exactly what I was looking for!! :D And thanks to the rest of you for the additional info. I realize the calculator might be an oversimplification, but it's a good quick starting point for me as I try to evaluate whi...
by Toons
Mon Mar 23, 2015 5:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Calculator to determine tax owed on selling mutual fund?
Replies: 7
Views: 619

Re: Tax Software

toons I was using the free version of the TaxAct federal tax package so no money is involved. It is still a PITA and more complicated than filling out the 1040 and Schedule B which is all I need. The big problems are the double-sided 1040 form and my bad printing. Thanks, I have been using Deluxe f...
by Toons
Mon Mar 23, 2015 5:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1104

Re: Municiple Fund as Emergency

Vanguard puts it in these words:
"If you can tolerate moderate price and income fluctuations may wish to consider this fund."
If you can't tolerate moderate price fluctuation seek a fund with less fluctuation .less risk less reward. :happy
by Toons
Sun Mar 22, 2015 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Municiple Fund as Emergency
Replies: 8
Views: 984

Re: Tax Software

I do not believe most online versions of tax software allow you to see the forms until you've paid. Otherwise you could just print them out and mail them in. In taxact you can see the forms before you pay but they have a watermark. I don't believe you can "view/print"all forms before you ...
by Toons
Sun Mar 22, 2015 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1104

Re: One Level or Two Level House

"As I age, I'm looking to build a house that will work as I get older."

Highly recommend one story ,ranch type. :happy
by Toons
Sun Mar 22, 2015 8:53 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5607

Re: 15 vs 30 yr mortgage

Goble,
Run your numbers throught mortgage amortization table,,look at the amount of Interest you will be paying over 30yrs compared to 15 :happy

http://www.bankrate.com/calculators/mor ... lator.aspx
by Toons
Sun Mar 22, 2015 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 80
Views: 5894

Re: Does it make sense to pay off this mortgage?

I recommend paying off the mortgage,,I agree with Dave on this one.
You won't regret it. :happy
by Toons
Sun Mar 22, 2015 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to pay off this mortgage?
Replies: 24
Views: 2102

Re: 403b vs A & C shares

Do you pay a sales load for A shares in your 403B?
C shares are usually recommended for a 5 year or less timespan :happy

http://www.360financialliteracy.org/Top ... re-classes
by Toons
Sun Mar 22, 2015 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b vs A & C shares
Replies: 5
Views: 373

Re: How Do You Watch Television?

I use over the air antennae from Amazon for tv http://www.amazon.com/AmazonBasics-Ultra-Thin-Indoor-HDTV-Antenna/dp/B00DIFIO8E/ref=sr_1_2?s=audio-video-accessories&ie=UTF8&qid=1427071578&sr=1-2 Chromecast to Stream http://www.amazon.com/Google-Chromecast-Streaming-Media-Player/dp/B00DR0P...
by Toons
Sun Mar 22, 2015 7:49 pm
 
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 5261

Re: Convince a Newly Converted Boglehead to sell AAPL shares

Personally I wouldn't sell any shares now. :happy
by Toons
Sun Mar 22, 2015 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince a Newly Converted Boglehead to sell AAPL shares
Replies: 20
Views: 1936

Re: Traveling WiFi

I use a Straight Talk no-contract mobile hotspot when traveling. :happy

http://www.straighttalk.com/wps/portal/ ... es/hotspot
by Toons
Sun Mar 22, 2015 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 1996

Re: Which vanguard fund should I select for a small rollover

Louis Winthorpe III wrote:Life Strategy Growth.


+1
(It is working for Me :happy )
by Toons
Sun Mar 22, 2015 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Which vanguard fund should I select for a small rollover?
Replies: 10
Views: 415

Re: External Hard Drive?

I find myself trasitioning my backups and storage to Google Drive the last couple of years although I still use the external drive on occasion for tax files and other financially related data. :happy Out of curiosity, how much Google Drive storage are you using and how much are you paying for it? I...
by Toons
Sun Mar 22, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2307

Re: How is VTIAX performing?

Dodge & Cox International,,,,worth considering :happy

http://quotes.morningstar.com/chart/fun ... ture=en-US
by Toons
Sun Mar 22, 2015 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1805

Re: External Hard Drive?

I find myself trasitioning my backups and storage to Google Drive the last couple of years although I still use the external drive on occasion for tax files and other financially related data. :happy
by Toons
Sun Mar 22, 2015 9:14 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2307

Re: Lump sum - how to invest it now and sleep at night?

Any equity mutual fund that I have held 10 years or longer,and that includes sector funds, has never lost money.Keep a long term perspective.
Sleep Well :happy
by Toons
Sun Mar 22, 2015 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - how to invest it now and sleep at night?
Replies: 27
Views: 3190

Re: How do you invest your taxable account?

Growth mutual funds,Growth&Income Funds,Balanced Funds,Short Term Investment Grade,Tax Exempt Municipal Bond Funds . :happy
by Toons
Sun Mar 22, 2015 9:08 am
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5805

Re: Account internet security

FYI:
For starters
Vanguard Security

https://investor.vanguard.com/security/
by Toons
Sun Mar 22, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1488

Re: Google voice

If Google does discontinue Google Voice, will you have to change your telephone number for ALL your credit cards, services, etc? Or you think there will be a way to keep the number and transfer it elsewhere? GV numbers are portable. IIRC for a $3 fee you can unlock your GV number and port it wherev...
by Toons
Sat Mar 21, 2015 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4308

Re: Anyone dropping Kaspersky computer security?

Never used Kapersky.
Over the years,Microsoft Security Essentials,Avast,Avg,,,Malwarebytes ,Ccleaner :happy
by Toons
Sat Mar 21, 2015 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Anyone dropping Kaspersky computer security?
Replies: 29
Views: 3025

Re: Google Chrome Stalling Out

None whatsoever,all systems Go :happy
by Toons
Sat Mar 21, 2015 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome Stalling Out
Replies: 8
Views: 769

Re: Google voice

I have 2 phone numbers,my cell phone and google voice. If I choose to not share my personal cell phone number with someone(especially businesses) ,I will give them the Google Voice number. When google voice number is called it transfers to my cell phone,,,then options to accept or reject calls are m...
by Toons
Sat Mar 21, 2015 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4308

Re: Portfolio input, please.

ellieH wrote:Thanks, I hired a planner yesterday to get a second opinion. I suppose that's the better route than a Bogleheads board.



Hired a planner for an opinion only?
by Toons
Sat Mar 21, 2015 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio input, please.
Replies: 3
Views: 303

Re: Hearse as daily driver?

Too large for my needs
Maybe 35 years ago I would have considered it :happy
by Toons
Sat Mar 21, 2015 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3668

Re: Lump sum - how to invest it now and sleep at night?

"I don’t think I’d be comfortable investing all this money in stocks or bonds right now. With the FED expected to start raising interest rates, I don’t see much of an upside in the equity and bond market, and would rather wait to see what will happen when (if) they start to raise rates." Y...
by Toons
Sat Mar 21, 2015 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - how to invest it now and sleep at night?
Replies: 27
Views: 3190

Re: Automatic investing in to VG mutual funds

I used the auto-investing feature for 14 years with Vanguard before retiring.
Auto-pilot investing is a great idea in that it takes the "emotion' out of investing .
It "forces" one to buy shares when the market is declining,meaning more shares for your money. :happy
by Toons
Sat Mar 21, 2015 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Automatic investing in to VG mutual funds
Replies: 12
Views: 1200

Re: TurboTax Deluxe

Winsome wrote:Thanks Toons. Looks like it will work.
Winsome


:thumbsup
by Toons
Sat Mar 21, 2015 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe
Replies: 19
Views: 1605

Re: 2015 Honda CR-V vibration problems

I picked up my new CRV last week. Yes, I was able to reproduce the vibration issue by turning off lights, fans etc. I realized that I would never use the car in this state. I always have the climate control system on and the radio as well. I've had no other vibration problems so far. Just finished ...
by Toons
Sat Mar 21, 2015 6:59 am
 
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 27
Views: 3350

Re: TurboTax Deluxe

Winsome wrote:Me again. Do you know if TT Deluxe can handle the loss on appreciated stock to charity and still give us the full deduction?
Winsome


FYI :happy


https://ttlc.intuit.com/search?utf8=%E2 ... ck&button=
by Toons
Fri Mar 20, 2015 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe
Replies: 19
Views: 1605

Re: Exploring the Florida Keys

You're going during the height of spring break; so secluded areas will be few and far between. Rupert,,,thanks, I completely forgot about Spring Break :happy Toons! What's wrong with Spring Break!?!? Beer kegs in the RV with all your new friends, belly-flopping in the hotel pool, bikini beach volle...
by Toons
Fri Mar 20, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 20
Views: 1829

Re: Exploring the Florida Keys

Toons- You didn't mention if you have been to the Keys before, but it's easy to find everything according to the mile markers (mm) on Highway 1. Marathon is around mm50. Bahia Honda (mm36.8) is a terrific state park to visit. http://bahiahondapark.com/ Key West (mm0) is usually messy driving but so...
by Toons
Fri Mar 20, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 20
Views: 1829

Re: Taxable investing "schedule"

"is there a preferred schedule or method for investing in this circumstance?" Speaking for myself,which is what I do when someone is asking for advice,I would invest the money as soon as it becomes available in the investment that is tailored to fit my asset allocation. "Time IN the ...
by Toons
Fri Mar 20, 2015 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing "schedule"
Replies: 12
Views: 688

Re: An inspiring message for Bogleheads

Peter’s story is a great one and he is definitely to be congratulated. And I just wanted to provide some of my own reinforcement for the Boglehead principles. During my first 12+ years in the Marine Corps right after high school (of nearly 34 total), I made virtually every personal finance mistake ...
by Toons
Fri Mar 20, 2015 9:51 am
 
Forum: Investing - Theory, News & General
Topic: An inspiring message for Bogleheads
Replies: 56
Views: 4186

Re: Exploring the Florida Keys

JohnFiscal wrote:well, you might want to check out these guys http://www.floridakeys.com/lowerkeys/keydeer.htm

Miniature deer. Only here in the keys



:thumbsup
by Toons
Fri Mar 20, 2015 9:47 am
 
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 20
Views: 1829

Re: Exploring the Florida Keys

You're going during the height of spring break; so secluded areas will be few and far between. Also, the drive down will likely be bumper to bumper. So brace yourself for that. From Key West, take a ferry to explore the Dry Tortugas. Do you fish? If so, you'll be in fisherman heaven. There are lots...
by Toons
Fri Mar 20, 2015 9:43 am
 
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 20
Views: 1829

Exploring the Florida Keys

I am planning on packing up the Class B -RV in a couple weeks and heading South to spend a couple weeks or maybe more exploring the Florida Keys...specifically the area between Key Largo and Marathon. Thoughts or suggestions regarding what might be of interest,dining,beaches,secluded areas (if there...
by Toons
Fri Mar 20, 2015 7:54 am
 
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 20
Views: 1829
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