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Re: Retiree Poll: Satisfaction with retirement

Levett wrote:I am very satisfied (after 15 years).

But let's not kid ourselves: we retirees are playing the back nine.

Play it as it lies. :wink:

Lev


Haha,,,,Excellent! :happy
by Toons
Mon Mar 02, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 12
Views: 694

Re: Where's your Will?

One in a paper folder
Copy in electronic folder :happy
by Toons
Mon Mar 02, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 26
Views: 517

Re: Nasdaq Record High....

I recall selling a value oriented mutual fund in March 2000( the month the bubble burst) that I had owned for 15 years ,,to purchase
Janus Global Technology Fund :shock:
by Toons
Mon Mar 02, 2015 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1627

Re: What is your favorite consumer product?

Chromebook :happy

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by Toons
Mon Mar 02, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 164
Views: 9530

Re: Oil & Vinegar

Grt2bOutdoors wrote:Newmans Own Balsamic or Ken's.



+1 Excellent choices,,we use the same :happy

Image


Image
by Toons
Mon Mar 02, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 18
Views: 1036

Re: Retiree Poll: Satisfaction with retirement

First of all to be fortunate enough to retire is something to be thankful for,and secondly to have some "gold" to enjoy the golden years is another thing to be thankful for.It is pretty much like Life in general ,it is what you make out of it. Stay busy,involved,find hobbies that interest ...
by Toons
Mon Mar 02, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 12
Views: 694

Re: No heat

by Toons
Mon Mar 02, 2015 11:47 am
 
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 926

Re: it requires my password and username everytime i try to

hi all it requires my password and username everytime i try to view my posting i’m having so much trouble whenever try to view my posting to see if i get reply -it requires password and username i don't remember all the time can you help me best wishes looking First things first,make sure you keep ...
by Toons
Mon Mar 02, 2015 11:45 am
 
Forum: Forum Issues and Administration
Topic: it requires my password and username everytime i try to view
Replies: 2
Views: 231

Re: WWWD (what would warren do)

WB's advice to Lebron James: Through the rest of his career and beyond make monthly contributions to a low cost index fund. Hold significant cash reserves. Enough where you are comfortable. Beyond that own a diversified piece of America bought over time and held for 30 to 40 years. +3 ,Excellent, T...
by Toons
Mon Mar 02, 2015 11:40 am
 
Forum: Investing - Theory, News & General
Topic: WWWD (what would warren do)
Replies: 15
Views: 731

Re: Another Cold Weather Car Question

Just to add, I would recommend you still periodically unlock your door with the key to ensure it still works. Murphy will come calling at the more inopportune time, the remote will die and your key lock will be frozen up. Better to find out in your driveway them 1000s miles from home... Also in you...
by Toons
Mon Mar 02, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: Another Cold Weather Car Question
Replies: 6
Views: 523

Re: Vanguard Brokerage 1099 Available

JamesSFO wrote:The consolidated 1099 Brokerage form just showed up in my account tonight, slightly earlier than the feared 2/28.


Good News :happy
by Toons
Mon Mar 02, 2015 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 38
Views: 2232

Re: Nasdaq Record High....

"On the way,the train left the station years ago" Ok,,,gazing into the crystal ball,In the not too distant future ,in the financial news the headline will read: "Today over 15 years later the Nasdaq Composite index surpassed its record high of 5,132.52 On March 10, 2000" You hear...
by Toons
Mon Mar 02, 2015 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1627

Re: Congratulations to Emergency Doc

Just wanted to highlight our own fellow Boglehead "Emergency Doc" , creator and author of the White Coat Investor book and web site has started up a scholarship fund for med students. Since the ER Doc has made well over 10,000 posts on this website helping individuals out, thought there m...
by Toons
Mon Mar 02, 2015 7:06 am
 
Forum: Personal Consumer Issues
Topic: Congratulations to Emergency Doc [Scholarship fund started]
Replies: 4
Views: 1482

Re: Do You Like Vanguard Wellesley Income Fund?

:thumbsup Wellesley Income.
We have a fairly substantial amount in Wellesley Income Fund
Why?For Income.It is working.
by Toons
Mon Mar 02, 2015 7:01 am
 
Forum: Investing - Theory, News & General
Topic: Do You Like Vanguard Wellesley Income Fund?
Replies: 26
Views: 7477

Re: Favorite Vacation/Trip

Go explore the beaches on the Gulf Coast of Florida. :happy
by Toons
Mon Mar 02, 2015 6:57 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 33
Views: 3015

Re: Dividends + LT/ST Capitol Gains for retiree (GES)

"Otherwise, what's the use in saving ? Isn't the end debate to actually ENJOY the fruit of one's labor over almost 4 decades ??? " :happy Exactly,that is what you saved for. Somewhat in the same situation here,and I long go accepted the fact that there will be capital gains and dividends t...
by Toons
Mon Mar 02, 2015 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividends + LT/ST Capitol Gains for retiree (GES)
Replies: 11
Views: 524

Re: Professional tax advice - when is it worth it?

Any sage words of wisdom??

If you would feel better "psychologically" to have an independent source do your taxes,bite the bullet and pay for the services.It is worth it to you. :happy
by Toons
Mon Mar 02, 2015 6:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Professional tax advice - when is it worth it?
Replies: 13
Views: 801

Re: Is any sector fund better than Total Market fund?

It is anyone's guess as to which sector will out perform in the future.
Healthcare sector has had a meteoric rise the last 5 years.
:happy
by Toons
Mon Mar 02, 2015 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Is any sector fund better than Total Market fund?
Replies: 10
Views: 799

Re: What's your average ER?

I know it is low :happy
by Toons
Sun Mar 01, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's your average ER?
Replies: 68
Views: 2652

Re: Managing a larger portfolio with possible life changes a

Remain with Portfolio Solutions and or call Vanguard to see what they can offer you before you seek other options,,, :happy
by Toons
Sun Mar 01, 2015 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managing a larger portfolio with possible life changes ahead
Replies: 16
Views: 752

Re: Market Cycle Psychology

For those of you who have been in the market for awhile... Do these sentiments accurately reflect the moment by moment feelings, or is it only after the cycle has progressed you can say "oh that was X stage"? Very early in my investing days 35 or so years ago ,it was in hindsight that I w...
by Toons
Sun Mar 01, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 9
Views: 330

Re: If your networth is over $3 million, how did you do it?

RunningRad wrote:Two professional incomes, living in the Midwest, small inheritance, parents paid for my education, invested early and often, paid off house in 10 years, avoided other debt, hobbies that do not consume cash, avoided close calks with second home, dress like a hobo ;)


Excellent :thumbsup
by Toons
Sun Mar 01, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 312
Views: 49235

Re: Market Cycle Psychology

acejacksingh wrote:Hmmmm.... I would say Relief. :happy


:thumbsup
by Toons
Sun Mar 01, 2015 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 9
Views: 330

Re: How to find a spouse who wants financial independence

basspond wrote:A couple of weeks after our first date I told my wife to be that I had a coupon for the restaurant but didn't think it was prudent to use. She asked Why not? We eventually went back and used the coupon. The restaurant is no longer in business but we still are.


Great! :happy
by Toons
Sun Mar 01, 2015 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 34
Views: 6073

Market Cycle Psychology

Where might we be in the cycle as we enter the almost 6 year rising market. :happy

Image
by Toons
Sun Mar 01, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 9
Views: 330

Re: Avoiding the jump to the 25% tax bracket

not to mention the 15% capital gains tax when you touch the 25% bracket :oops: You are limited to the amount of cap gains that is taxed at 0% when you are in the 15% bracket. The total of: earned income + qualified dividends + cap gains cannot be greater than $74.9k. Any cap gains that puts you ove...
by Toons
Sun Mar 01, 2015 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding the jump to the 25% tax bracket
Replies: 11
Views: 1276

Re: Investing 1 Mill for 75 year old parent

abuss368 wrote:Vanguard Target Retirement Income Fund.



Good Choice. :happy
by Toons
Sun Mar 01, 2015 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing 1 Mill for 75 year old parent
Replies: 15
Views: 1056

Re: How long will I l live? (mortality predictor)

Wow ,at the tender age of 64 I had no idea there were so many people younger than me :happy
by Toons
Sat Feb 28, 2015 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long will I l live? (mortality predictor)
Replies: 17
Views: 1963

Re: Does a Roth IRA make sense if you live in a high COL pla

Don't beat yourself up :happy You have invested money growing tax-shelterd and tax free. It could be a whole lot worse :happy I agree with this, you're really talking about degrees of good. You might have been better off maxing the 401k first, but you're still making good decisions. If anything, us...
by Toons
Sat Feb 28, 2015 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3037

Re: Does a Roth IRA make sense if you live in a high COL pla

Don't beat yourself up :happy
You have invested money growing tax-shelterd and tax free.
It could be a whole lot worse :happy
by Toons
Sat Feb 28, 2015 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3037

Re: iPhone upgrade

Get one on Ebay,unlocked

http://www.ebay.com/sch/i.html?ssPageNa ... 5205&rt=nc

Then go to Straight Talk and get a Sim Card
Unlimited 45.00 monthly

http://www.straighttalkbyop.com/shop.php
by Toons
Sat Feb 28, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 24
Views: 1770

Re: Does a Roth IRA make sense if you live in a high COL pla

GoldenFinch wrote:A Roth IRA is a great idea regardless of where you live. The benefit is the tax free growth. Do some more reading and fund your Roth.


+1 :happy
Correct,don't overthink it just fund the Roth. :happy
by Toons
Sat Feb 28, 2015 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3037

Re: iPhone upgrade

Are you sold on Iphones,as there are plenty of less expensive smartphones and plans in the marketplace. :happy
by Toons
Sat Feb 28, 2015 8:51 pm
 
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 24
Views: 1770

Re: Analysis Paralysis - Stock Options

"I have a feeling most will say sell and reduce exposure!"

Without a doubt,,,include me :happy
We exercised ours before they expired
by Toons
Sat Feb 28, 2015 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis - Stock Options
Replies: 13
Views: 575

Re: Not everyone wants to retire early-BBC News

To each,their own :happy
by Toons
Sat Feb 28, 2015 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Not everyone wants to retire early-BBC News
Replies: 3
Views: 813

Re: How to Figure Step-Up Basis for Traditional Mutual Fund

My Mother passed several years ago.
I consider the stepped up basis for the mutual fund that was passed onto her heirs to be the NAV closing price on the date of her death.
by Toons
Sat Feb 28, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Figure Step-Up Basis for Traditional Mutual Fund
Replies: 9
Views: 356

Re: Social Security Taxation

85% of my SS benefit is taxed. :happy
by Toons
Sat Feb 28, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxation
Replies: 4
Views: 634

Re: How much was your Tax Refund (or amount DUE)

Retired
Calculated it pretty good with estimated taxes,will get a couple hundred back
State owe 2,000 :happy
by Toons
Sat Feb 28, 2015 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7180

Re: Wife doesn't want to retire - I do

- I'm assuming wife works for at least 5 years - I could just grit my teeth, and stick it out until my wife retires (this is financially the most lucrative option) - I could simply retire, and fill my time with grandchildren activities, volunteer work, more reading, more beach, etc - I could quit th...
by Toons
Sat Feb 28, 2015 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 57
Views: 4523

Re: Favorite chocolate candy

I keep a bag of these around ALL the time :happy

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by Toons
Sat Feb 28, 2015 10:15 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 33
Views: 1854

Re: Past, present, and future of Berkshire - Annual letter

Thanks,,,,Page 17-18 Make it worth the read for me ,it ends with

" Rather than listen to their siren songs, investors – large and small – should instead read Jack Bogle’s The Little Book of Common Sense Investing." :happy
by Toons
Sat Feb 28, 2015 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Past, present, and future of Berkshire - Annual letter
Replies: 29
Views: 2322

Re: Support this Site Idea

I donated earlier in the month :happy
It is the least we can do for this extraordinary forum.
by Toons
Fri Feb 27, 2015 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Support this Site Idea
Replies: 11
Views: 917

Re: Not "Staying the Course"

Was wondering if there are investment situations where you have not or would not stay the course? Can't think of one,,,,,well on the other hand,,,if the markets started heading South,,,a long slow decline over a period of a couple years or longer,(both 2000-2002 and 2007-2009 come to mind) I would ...
by Toons
Fri Feb 27, 2015 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4563

Re: Thoughts on adding Vanguard STAR to my portfolio

I recall many years ago ,as soon as the house was paid off I started investing the "hypothetical" mortgage payment in the Star Fund, immediately, every month without fail. I saw it was a balanced fund 60/40 ,paid dividends twice a year,and being a managed fund would pay out capital gains y...
by Toons
Fri Feb 27, 2015 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on adding Vanguard STAR to my portfolio
Replies: 7
Views: 908

Re: Roth contributions as long as you can?

airahcaz wrote:If one has the earned income and is still working into their 70's, doesn't it still make sense to contribute to Roth IRA, especially if the person doesn't need to tap it, and wants to leave it as maybe legacy?



Sure ,,why not :happy
by Toons
Fri Feb 27, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth contributions as long as you can?
Replies: 18
Views: 1879
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