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Re: yea or nay to 5 years CDs

I would put 25k in Intermediate Term Tax Exempt. :happy
by Toons
Thu Apr 16, 2015 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 2356

Re: Would you buy 1.5 M house without AC?

I wouldn't for that kind of money :happy
by Toons
Thu Apr 16, 2015 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 58
Views: 4218

Re: [retired guy said] terrible crash is coming

"crash is coming similar to 2008 or worse."
Sounds great, another ,what I thought,once in a lifetime opportunity to buy equities at such depressed prices.
The market has more than tripled since then. :happy
I would substitute the word "better" for "worse". :happy
by Toons
Wed Apr 15, 2015 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 68
Views: 7328

Re: Do you wish you retired earlier?

No not at all :happy
by Toons
Wed Apr 15, 2015 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you wish you retired earlier?
Replies: 28
Views: 3499

Re: Is 2007 Accord 60K mile service worth $300?

300?I would get it done and move on. :happy
by Toons
Wed Apr 15, 2015 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 52
Views: 3887

Re: TAXES...oh...taxes...

The way I look at the situation,I would rather have the money and pay the taxes,than not have the money and Not pay any taxes.No complaints here. :happy
by Toons
Mon Apr 13, 2015 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: TAXES...oh...taxes...
Replies: 27
Views: 2863

Re: 2 commas and mortgage-free

:thumbsup
by Toons
Thu Apr 09, 2015 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 commas and mortgage-free
Replies: 33
Views: 4463

Re: Poll: What is the credit limit of your credit card?

I don't know ,I have to check it out. :happy
by Toons
Wed Apr 08, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 3396

Re: Best way to track my personal historic return?

Toons wrote:Quicken works.
I have entered about 22 years worth of All investment transactions in the software program,,it has been invaluable to me. :happy
by Toons
Tue Apr 07, 2015 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to track my personal historic return?
Replies: 6
Views: 728

Re: Best way to track my personal historic return?

Quicken works.
I have entered about 22 years worth of investment transactions in the software program,,it has been invaluable to me. :happy
by Toons
Tue Apr 07, 2015 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to track my personal historic return?
Replies: 6
Views: 728

Re: Might Go $4,000 AAPL

If it is a small portion of your investable assets,,go for it ,,,nothing wrong with speculating.
:happy
by Toons
Mon Apr 06, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5182

Re: LOL how long do you keep old tax returns

10 years :happy
by Toons
Sun Apr 05, 2015 5:19 pm
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3116

Re: Vanguard Prospectus

I read prospectus and semi-annual and annual reports :happy
by Toons
Wed Apr 01, 2015 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Prospectus
Replies: 14
Views: 1041

Re: Anyone been Daycare Poor before? Advice on our situation

One of us gave up the career to enjoy the raising experience.
It was me,,Mr.Mom.
Wouldn't trade those experiences for anything in the world.
Would do it all over again. :happy
by Toons
Tue Mar 31, 2015 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone been Daycare Poor before? Advice on our situation!
Replies: 27
Views: 3608

Re: Cloud Storage

I use Google Drive as primary back up
Amazon uploads my photos automatically ,prime member unlimited storage
Microsoft offers free storage. :happy
by Toons
Tue Mar 31, 2015 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4397

Re: Should a true BH visit this forum regularly?

Sometimes I feel like this is my "home away from home" :happy
by Toons
Tue Mar 31, 2015 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Should a true BH visit this forum regularly?
Replies: 32
Views: 3009

Re: Minimizing income taxes in retirement

Move to Tenneesee for starters :happy
by Toons
Tue Mar 31, 2015 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing income taxes in retirement
Replies: 54
Views: 5116

Re: Wise move to move some $ to cash before bear market?

I would go 100% equities the day the bear market starts. :happy
by Toons
Mon Mar 30, 2015 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 11701

Re: Did you learn anything from 2008?

Yes ,it reaffirmed what bear markets in the past taught me. If you were purchasing shares of equity funds according to your asset allocation prior to 2008,then consider increasing the amout you were allocating to equities as the market continued to head "South".It was a great period in fin...
by Toons
Mon Mar 30, 2015 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8404

Re: Funding my Portfolio

Thanks for the heads up, that was dumb of me lol. Ok, since I have funded my 2014 Roth IRA through Etrade, what should I do now? Obviously, I need to open a Vanguard acct. Can I keep the 2014 IRA with Etrade and start my 2015 with Vanguard? Roll the existing IRA over to Vanguard and be done with Et...
by Toons
Mon Mar 30, 2015 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding my Portfolio
Replies: 7
Views: 353

Re: JOWPYN - The Joy of Working Past Your Number

I personally don't understand everyone's rush to retire? I do understand everyone's want to be financially free. I understand the folks who hate their job and are just doing it as a means to an end, i.e. paycheck to support their future "wants". I feel sorry for those folks. That basicall...
by Toons
Mon Mar 30, 2015 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: JOWPYN - The Joy of Working Past Your Number
Replies: 55
Views: 7596

Re: Ad Blockers

AdBlock Plus is all I use for as long as it has been available :happy
by Toons
Mon Mar 30, 2015 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 1775

Re: How many of you invest in individual stocks?

I did 20-25 years ago,still own them :happy
by Toons
Mon Mar 30, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 4749

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: 44
Views: 15068

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: 359

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: 1920

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: 2640

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: 937

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: 937

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: 68
Views: 6089

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: 929

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: 233
Views: 20073

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: 6110

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: 863

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: 634

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: 1152

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: 1007

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: 1152

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: 5786

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: 6110

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: 2178

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: 385

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: 5665

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: 1977

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: 2036

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: 434
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