Search found 6509 matches

by Toons
Sun Aug 02, 2015 7:49 pm
Forum: Investing - Theory, News & General
Topic: [How often do you check on your investments?]
Replies: 43
Views: 1747

Re: Checking Investments

A couple of times a year :happy
by Toons
Sun Aug 02, 2015 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a lump sum of money?
Replies: 9
Views: 919

Re: What to do with a lump sum of money?

"1. pay off mortgage
Given your assets this one rings a bell for me,pay it off.
After that think about your next course of action.
One step at a time :happy
by Toons
Sat Aug 01, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: is 7200 rpm hard drive that much faster than 5400 rpm?
Replies: 48
Views: 2508

Re: is 7200 rpm hard drive that much faster than 5400 rpm?

FYI :happy
Sometimes video helps
"The REAL difference between 5400rpm and 7200rpm "

https://www.youtube.com/watch?v=66hL4Z7pTFw
by Toons
Sat Aug 01, 2015 7:33 pm
Forum: Personal Consumer Issues
Topic: is 7200 rpm hard drive that much faster than 5400 rpm?
Replies: 48
Views: 2508

Re: is 7200 rpm hard drive that much faster than 5400 rpm?

FYI :happy "Given two identically designed hard drives with the same areal densities, a 7200 RPM drive will deliver data about 33% faster than the 5400 RPM drive. Consequently, this specification is important when evaluating the expected performance a hard drive or when comparing different HDD ...
by Toons
Sat Aug 01, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 18
Views: 1297

Re: MacBook Air losing power

I have never owned a Mac but I can't think of a Windows laptop where I "didn't" have to replace the battery :happy

FYI:
"Determining battery cycle count for Mac notebooks"
https://support.apple.com/en-us/HT201585
by Toons
Sat Aug 01, 2015 7:20 pm
Forum: Investing - Theory, News & General
Topic: Saving for College vs. Saving for Retirement: Why the Conventional Wisdom Is Wrong
Replies: 31
Views: 2909

Re: Saving for College vs. Saving for Retirement: Why the Conventional Wisdom Is Wrong

livesoft wrote:My youngest goes to a state university. Just paid a tuition and fees bill for the upcoming semester … about $4,000.


Thats the ticket :happy
by Toons
Sat Aug 01, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 18
Views: 878

Re: Food safety - broken refrigerator

I wouldn't keep anything you have any reservations about for the sake of saving a few dollars. So throw everything on your 'probably not' list even though some may be OK. Also get rid of the butter and cheese just to be safe. Better to spend a few dollars replenishing food than hundreds at doctors ...
by Toons
Sat Aug 01, 2015 7:09 pm
Forum: Investing - Theory, News & General
Topic: Saving for College vs. Saving for Retirement: Why the Conventional Wisdom Is Wrong
Replies: 31
Views: 2909

Re: Saving for College vs. Saving for Retirement: Why the Conventional Wisdom Is Wrong

My thoughts?
Save for retirement first.
Prepare the child early on that you will "assist" with college education.
That means they need to work and save some money.
Do I hear state school :happy
by Toons
Sat Aug 01, 2015 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard update cost basis after wash sale?
Replies: 8
Views: 564

Re: Does Vanguard update cost basis after wash sale?

I feel confidant they do.
But don't take my word for it,,send em an email :happy
by Toons
Sat Aug 01, 2015 6:30 pm
Forum: Investing - Theory, News & General
Topic: Which is more optimal in retirement? Total return vs. income investing
Replies: 30
Views: 2281

Re: Which is more optimal in retirement? Total return vs. income investing

Retired 75/25 stock /bond I continue to reinvest all capgains and dividends in Retirement accounts for compounded growth. Taxable accounts I take the majority of capital gains in cash but reinvest the dividends that occur during the year. Regarding the reinvesting of dividends and taxes,,it is a moo...
by Toons
Sat Aug 01, 2015 6:46 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 135
Views: 7655

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

I don't know if it is a lot in NYC .
I live in Tennessee.
My wife and I spend about 250-300 a month on food,excluding dining out,which is not much.
We buy food at Wal-Mart and Sams :happy
by Toons
Fri Jul 31, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - Consumer reports article/analysis
Replies: 12
Views: 1008

Re: Auto Insurance - Consumer reports article/analysis

rec7 wrote:I wonder if Geico has big price raises every year?


No issues here with rate increase,if anything I have been surprised they rates the have given me on new vehicles I have purchased(very,very reasonable).
I have been insured with Geico about 8 years. :happy
by Toons
Fri Jul 31, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 76
Views: 5803

Re: Retirees: Questions you hate being asked

I can't recall being asked any questions about retirement that have bothered me. :happy
by Toons
Thu Jul 30, 2015 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Big mistake
Replies: 13
Views: 2329

Re: Big mistake

"Personally If I'm maxing out my retirement accounts and my biggest problem is my tax bill and how I could have optimized it for a an extra few hundred dollars that year then I'm doing pretty good in life."


Very Well Said :thumbsup
by Toons
Thu Jul 30, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend reinvestment at RMD Stage
Replies: 2
Views: 328

Re: Dividend reinvestment at RMD Stage

I would say that the disadvantages of dividend reinvesting are primarily in taxable accounts. If you pay noticeable commissions in your TIRA when you sell to take RMDs then this would also be an argument for not reinvesting dividends. If none of these apply, then I would say it makes no difference....
by Toons
Thu Jul 30, 2015 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Sell American Funds?
Replies: 6
Views: 462

Re: Sell American Funds?

I am a Vanguard investor since 1998.
I still own Investment Company Of America(Aivsx)
and Capital Income Builder (Caibx),both of which were purchased many years ago in a brokerage account prior to Vanguard investing.
I have no plans to sell them :happy
by Toons
Thu Jul 30, 2015 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: capital one 360
Replies: 9
Views: 884

Re: capital one 360

I've been with Capital One since 2004 when ING direct was the provider. I use both savings and checking accounts. Customer service is excellent ,website easy to naviagte. I have no complaints. I guess you could say that one caveat is their rates aren't the highest,but I gave up rate chasing years ag...
by Toons
Thu Jul 30, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Homeowners insurance rate goes up after a claim?
Replies: 6
Views: 578

Re: Homeowners insurance rate goes up after a claim?

If I had substantial damage I would file a claim,that is what you are paying premiums for. :happy

Link for insight to your question
http://www.moneycrashers.com/filing-a-c ... r-premium/
by Toons
Thu Jul 30, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Waiting for the dip to add funds? Good luck!
Replies: 9
Views: 1535

Re: Waiting for the dip to add funds? Good luck!

Time Not Timing,,,what are your waiting for :happy
by Toons
Thu Jul 30, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to work on next?
Replies: 31
Views: 2525

Re: Which debt to work on next?

School loan $53K at 1.5% (fixed) with 18 years to go paying $270/month :happy
by Toons
Thu Jul 30, 2015 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 52
Views: 4192

Re: Priorities

Nice read.
Yes life is short.
I had somewhat of a wakeup call a few years back.
I woke up to the reality of mortality.
What good does it do to count dollar bills stacking up.
We bought an RV and started traveling.
You just NEVER know.
You have today,Live It to the fullest.
:happy
by Toons
Thu Jul 30, 2015 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Big mistake
Replies: 13
Views: 2329

Re: Big mistake

All depends on your tax situation,I hold Total Bond in my taxable account along with balanced funds .
:happy
by Toons
Thu Jul 30, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 23
Views: 2119

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

retiredjg wrote:Insurance requirements do vary from state to state. But the car was leased. I feel sure the dealer (or whoever) required your brother to carry whatever coverage was necessary in his state to take care of their investment.

Let the insurance company handle this.


+1 :happy
by Toons
Thu Jul 30, 2015 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in a few days
Replies: 32
Views: 3723

Re: Retiring in a few days

Excellent!
Enjoy :happy
by Toons
Thu Jul 30, 2015 7:21 am
Forum: Investing - Theory, News & General
Topic: 401K - Recommend a good Fidelity bond fund
Replies: 6
Views: 555

Re: 401K - Recommend a good Fidelity bond fund

If you do not have access to the advantage share class ,I would look at
FBIDX-Spartan U.S. Bond :happy
link
https://fundresearch.fidelity.com/mutua ... /315911107
by Toons
Wed Jul 29, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 43
Views: 2773

Re: Recommendations on a cheap commuter car

Honda Fit,
I owned one,great machine :happy
by Toons
Wed Jul 29, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Medical Expenses in Retirement
Replies: 18
Views: 1392

Re: Handling Medical Expenses in Retirement

I handle those expenses that you are speaking of in 2 ways. 1.Credit Card for some out of pocket expenses that are presented to me at the providers location(dentist,medicines,etc) 2.For those Medical bills that are mailed to me I go online and use my bank's billpay feature to send them a payment fro...
by Toons
Wed Jul 29, 2015 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Stock, which to ROTH?
Replies: 6
Views: 701

Re: Total Bond or Total Stock, which to ROTH?

Conventional wisdom is bonds IRA ,Stocks taxable.
My gut tells me in this situation I would go for 80% growth in IRA,,,no taxes ,qualified distributions as has been mentioned. :happy
by Toons
Wed Jul 29, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3620

Re: Geico Auto Insurance

"Homeowners coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc." :happy
Travelers underwrites my homeowners through Geico

Link to information
https://www.geico.com/getaquote/homeowners/
by Toons
Wed Jul 29, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3428

Re: Retirees: Social Security and Expenses

OAG wrote:
Toons wrote:100% with money left over :happy


+1


:thumbsup
by Toons
Wed Jul 29, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley Wellington diversification
Replies: 9
Views: 849

Re: Wellesley Wellington diversification

Ditto on Conservative Growth :happy
by Toons
Wed Jul 29, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 14
Views: 1026

Re: How do you keep your portfolio/allocation in auto mode and in sync?

"So how do you manage your portfolio on an ongoing basis to keep things simple? " I kept it real simple for a couple of decades,just kept buying equity funds. Since retiring I glance at the portfolio every 6 months or so to check the allocation. If allocation is heavy on the equity side I ...
by Toons
Wed Jul 29, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Need car for 6 months a year. Best ideas?
Replies: 16
Views: 1264

Re: Need car for 6 months a year. Best ideas?

4. Fugetaboutit and just drive the jalopy and hope nobody notices. Keep smiling

1.Nobody really cares what you drive :happy
2.If you are still smiling and not making payments ,it is a win win situation.
That is my answer :happy
by Toons
Wed Jul 29, 2015 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3620

Re: Geico Auto Insurance

I am also a bit weary of GEICO because there is no actual GEICO office within 50 miles of were I live. Maybe it is old fashioned, but I am used to having a dedicated person that I could talk to if I had questions. But that is the reason they are less expensive! No broker overhead. While you may not...
by Toons
Wed Jul 29, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 2348

Re: New Car - Cash or Finance?

aprilcpa wrote:I hate debt, so I would just pay cash for it. Maybe not the best financial decision, but it works for me!




+1
Ditto
by Toons
Wed Jul 29, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6790

Re: Divorce

Grt2bOutdoors wrote:
Toons wrote:"Time Heals All Wounds" :happy


The nasty scars are all that remain as a momento, right?


No scars whatsoever,,,My ex of 35 years ago and I have put it all behind us ,we are the best of friends now.
Life is short,Forgive
:happy
by Toons
Wed Jul 29, 2015 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3428

Re: Retirees: Social Security and Expenses

100% with money left over :happy
by Toons
Tue Jul 28, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor fee question
Replies: 19
Views: 1388

Re: Advisor fee question

If one is invested in mutual funds which are designed to be held for years if not decades then what does an advisor do for 500 per month?
Inquiring minds want to know :happy
by Toons
Tue Jul 28, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 3618

Re: FWD vs AWD (Vehicle)

"I live in a snow belt with 50 - 80 inches of snow " :shock:
Enuff said,,,without a doubt AWD.
I lived in Western NY,next to Lake Erie for a long time,,,I can relate. :happy
by Toons
Tue Jul 28, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: today or wait a week
Replies: 14
Views: 1759

Re: today or wait a week

It is Time NOT Timing:
It is 3:42 you have some time.
Today is the day to invest :happy :happy
by Toons
Tue Jul 28, 2015 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 61
Views: 4342

Re: Do Bogleheads plan to utilize Independent Living facilities?

Well,If I am fortunate to live that long and unable to care for myself ,Yes :happy
by Toons
Tue Jul 28, 2015 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Minimums for Fund Purchases
Replies: 8
Views: 262

Re: Minimums for Fund Purchases

minimum is per fund, not account total. same for admiral. So then if I wanted to add $1,000 of TSM then I could, even though the minimum is $3,000? Can you refer me to information as to where to invest Roth funds in particular? I am playing catchup and this is an area I need to get up to speed on t...
by Toons
Tue Jul 28, 2015 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Minimums for Fund Purchases
Replies: 8
Views: 262

Re: Minimums for Fund Purchases

Per Vanguard :happy
"Minimum investment requirements"

https://investor.vanguard.com/mutual-funds/fees
by Toons
Tue Jul 28, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6790

Re: Divorce

"Time Heals All Wounds" :happy
by Toons
Tue Jul 28, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3035

Re: Easy lunch brownbag ideas

Crown Prince Sardines & Triscuits :happy

Image


Image
by Toons
Tue Jul 28, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 951

Re: garage door opener resuscitation possible?

What Brand is it?
Start here with this 4 minute youtube troubleshooting tutorial :happy
https://www.youtube.com/watch?v=b8w2w5ZAc1I
by Toons
Tue Jul 28, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1161

Re: Taxable income computation by Vanguard

P.S. I am asking this question in the context of my general financial planning. This is my first full year in retirement with relatively low income from the pensions. Ideally, I would like to use this opportunity to do Roth conversions. However, my traditional retirement account is in the TSP, and ...
by Toons
Tue Jul 28, 2015 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1161

Re: Taxable income computation by Vanguard

All matters being considered:
Try to maintain the mantra of :
Keep It Simple during your decision making process
:happy

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