Search found 11859 matches

by Toons
Sun Oct 22, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 78
Views: 4349

Re: Paying for medical school for son?

Personally, as somebody who graduated medical school 10 years ago, I would advise against paying your child's entire tuition. Medical school and residency are not so romantic as the general public likes to imagine, and even the most well balanced and determined individual is likely to think about q...
by Toons
Sun Oct 22, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2282

Re: how often to upgrade phone?

Wife and I upgraded to Samsung Galaxy S5 phones when the S6 models were released. My old Samsung Galaxy S3 is used to play music. Unfortunately both our S5 phones have cracked screens, as well wife's phone needs a new battery. Next week we will have screens replaced and new batteries installed for ...
by Toons
Sun Oct 22, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 93
Views: 4590

Re: How does/can Walmart offer such inexpensive prescriptions?

This may not pertain to their negotiating medicine prices with suppliers,,,but
I recall quite a few years back reading a quote about Walmart in the Wall Street Journal,
when negotiating real estate prices,,,,,
"They aren't satisfied until they are tap dancing on your grave" :shock:
by Toons
Sun Oct 22, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2282

Re: how often to upgrade phone?

Financially prudent is one consideration.
Some like the latest technoloy,therefore,
They upgrade to the newest release.
Nothing wrong with that ,if one can "afford " it,
Pay cash :happy
by Toons
Fri Oct 20, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 31
Views: 2155

Re: idiot proof router?

mouses wrote:
Thu Oct 19, 2017 5:15 pm
Toons wrote:
Thu Oct 19, 2017 5:02 pm
FYI :happy
https://on.google.com/hub/
Thanks, but I am not seeing that this has any Ethernet ports? My septic system will be using Ethernet to communicate with the maintenance and monitoring company.
It has an ethernet port,
I own one. :happy
by Toons
Fri Oct 20, 2017 6:14 am
Forum: Investing - Help with Personal Investments
Topic: Best place to invest (*other* than Vanguard)?
Replies: 27
Views: 2360

Re: Best place to invest (*other* than Vanguard)?

You are fine with Vanguard,
No Need To Fret
It is like holding an umbrella over your head,,
when the sun is shining :happy
by Toons
Thu Oct 19, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5349

Re: Is a crash coming soon?

Yes,
Next Question :mrgreen:
by Toons
Thu Oct 19, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 31
Views: 2155

Re: idiot proof router?

by Toons
Wed Oct 18, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 21
Views: 781

Re: Using a broker for a Supplemental Medicare Plan?

I sat in my lazyboy and watched several videos on youtube regarding different medigap plans so that I could get a better understanding. Called several of the top providers of Medigap plans,wound up going with Mutual Of Omaha,took about 10 minutes on the phone to work with Mutual Omaha. "Googled" inf...
by Toons
Wed Oct 18, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: New for Vanguard!
Replies: 28
Views: 3435

Re: New for VANGUARD!

2 options
Initial Purchase
150 Investor Shares =3,000
2000 Admiral Shares=50,000
:happy
by Toons
Wed Oct 18, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6354

Re: Larry Swedroe:Better To Face The Correction

Nothing New Under the Sun .
Sounds like common sense :happy
by Toons
Wed Oct 18, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2569

Re: Best smartphone

Samsung S8 :happy
by Toons
Wed Oct 18, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 96
Views: 8252

Re: how long did it take to get used to retirement

Never had time to feel melancholy, Adjusted immediately Busy with activities all the time,,volunteer work, learn a new language,read,cook,travel, photography,golf,,,,,rock in the rocking chair, Drink coffee,,watch the leaves fall,take naps If you start to feel melancholy,,,get up and start movin. E...
by Toons
Tue Oct 17, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving American Funds Roth IRA in (Class A Shares Growth Fund).
Replies: 10
Views: 713

Re: Leaving American Funds Roth IRA in (Class A Shares Growth Fund).

I also concur with Lifestrategy Growth Fund (VASGX)
Be prepared for a substantial decline during a protracted bear market, :happy
by Toons
Tue Oct 17, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 1147

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Roadtrek Agile Here,,,,2014 We have put 58000 miles on it since purchasing. I can't compare it to other Class Bs as I did not look at any other manufacturers or models. I knew about Roadtrek before I was in the market . Top notch quality,great customer service(that is critical) Excellent warranty W...
by Toons
Tue Oct 17, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 96
Views: 8252

Re: how long did it take to get used to retirement

Never had time to feel melancholy, Adjusted immediately Busy with activities all the time,,volunteer work, learn a new language,read,cook,travel, photography,golf,,,,,rock in the rocking chair, Drink coffee,,watch the leaves fall,take naps If you start to feel melancholy,,,get up and start movin. Ex...
by Toons
Tue Oct 17, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 6926

Re: Vanguard expects "decent sized correction" soon

Indeed.
A 20% Correction would be
"Healthy"
It is an inherent part of the investing equation :happy
by Toons
Tue Oct 17, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 1147

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Roadtrek Agile Here,,,,2014 We have put 58000 miles on it since purchasing. I can't compare it to other Class Bs as I did not look at any other manufacturers or models. I knew about Roadtrek before I was in the market . Top notch quality,great customer service(that is critical) Excellent warranty We...
by Toons
Tue Oct 17, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Car fund in index fun or savings?
Replies: 19
Views: 1334

Re: Car fund in index fun or savings?

Ditto on the 5-10 year horizon for Total market index fund.
My risk profile is such that I might consider Vanguard Balanced Index Fund 3-5 years.
Hi Yield Savings account is the safe way to go . :happy
by Toons
Tue Oct 17, 2017 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Sell fund cost basis
Replies: 10
Views: 751

Re: Sell fund cost basis

kaneohe wrote:
Mon Oct 16, 2017 4:43 pm
https://www.bogleheads.org/wiki/Cost_basis_methods

looks like FIFO could be the default method if you opt out of AVG Basis so just subtract the ST shares from the total and the rest by FIFO should be LT.

:thumbsup
by Toons
Tue Oct 17, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2414

Re: How do you outfit your feet?

Crocs,Merrells :happy
by Toons
Mon Oct 16, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7141

Re: How long for hedonic adaptation to set in?

Lynette wrote:
Sun Oct 15, 2017 6:44 pm
Thanks Toons.

:thumbsup
by Toons
Sun Oct 15, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13831

Re: What's your asset allocation and why?

70/30 Equity/Bond
Why?
I sleep Well :happy
by Toons
Sun Oct 15, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4249

Re: Amazon Prime - Decline in Delivery Service?

Decline?
Nada...If anything,,
Service has gotten better. :happy
by Toons
Sun Oct 15, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3122

Re: New mattress

Personally,
Most Comfortable Mattress I have experienced. :happy
https://www.amazon.com/LINENSPA-Inch-Me ... tress+king
by Toons
Sat Oct 14, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7141

Re: How long for hedonic adaptation to set in?

I have always been interested in the "Hedonic treadmill" :happy

“It’s not how much we have, but how much we enjoy, that makes happiness.”

https://positivepsychologyprogram.com/h ... treadmill/
by Toons
Fri Oct 13, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Buy when there's blood in the streets!
Replies: 39
Views: 6281

Re: Buy when there's blood in the streets!

supersecretname wrote:
Mon Oct 09, 2017 7:03 pm
make more money (work more)
borrow at low rates
sell things
cut expenses further
Ditto (other than borrowing) :happy
by Toons
Thu Oct 12, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3615

Re: Rebalancing - Personal Philosophies

I don't rebalance.
:happy
by Toons
Wed Oct 11, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4149

Re: 2 factor authentication - What if something happens to you?

With all of the security risks and advent of 2FA, have y'all thought about contingencies in case something happens to you and your significant other needs to access your accounts, etc? If you go missing with your cell phone, isn't your SO, SOL? All of my info is shared with spouse,,,,passwords,emai...
by Toons
Tue Oct 10, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 5573

Re: Anesthesiologist Advise [how to save money]

You have a computer
Consider Quicken.
To aid in managing your financial life, :happy
https://www.quicken.com/compare
by Toons
Tue Oct 10, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4387

Re: WiFi

Google Mesh.
I have been using it quite a while,
Superb performance. :happy

https://store.google.com/product/google_wifi_learn
by Toons
Tue Oct 10, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Does anybody read the Medicare and You booklet?
Replies: 16
Views: 946

Re: Does anybody read the Medicare and You booklet?

I get notified of the electronic version when it is a available.
I peruse through it on occasion :happy

https://www.medicare.gov/pubs/pdf/10050 ... nd-You.pdf
by Toons
Tue Oct 10, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2622

Re: Cheapest thing you ever heard of to save money

Hanging out used paper towels to "dry" for reuse :happy
by Toons
Tue Oct 10, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2328

Re: Best weight loss resources?

Eat chicken
Tuna fish
Vegetables(steamed)
Drink water
burn more calories than you take in.
Exercise,
:happy
by Toons
Tue Oct 10, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3699

Re: Wifi Thermostat

Honeywell wifi thermostat here.
Had it installed with new heat pump.
Watched the installation,
fairly easy :happy
https://www.youtube.com/watch?v=NMpK1GcG9yw
by Toons
Tue Oct 10, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: Tax Question
Replies: 19
Views: 917

Re: Tax Question

Just looked it over again--Looks like SP ID is the best method--but most time consuming/complicated. I think I chose AVG cost because of my lack of knowledge of how the taxes work. From what I can read, though, is it true I won't need to really worry about which method I pick for the time being, se...
by Toons
Tue Oct 10, 2017 3:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9040

Re: Bogleheads you would most like to meet and why?

Who would you like to meet most for a cup of coffee other than Jack Bogle (I'm up for that!) Mine are: 3) Toons- I like his advice and his avatar makes me think he enjoys life! 2) Taylor Larimore- I have learned volumes reading his posts and of course, books! 50+ years of investing experience gives...
by Toons
Tue Oct 10, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Tax Question
Replies: 19
Views: 917

Re: Tax Question

A couple of points using specific id :happy
https://investor.vanguard.com/taxes/cos ... tification
by Toons
Sat Oct 07, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 6521

Re: Has your "risk tolerance" been tested?

Sure,,,
In financial and other areas of life,
Countless times.
Makes me a better person.
I enjoy leaving the "comfort zone" :happy
by Toons
Sat Oct 07, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8712

Re: VG wants everyone to transfer to a brokerage account?

I haven't upgraded and won't until forced. *We only use mutual funds *Have multiple auto-exchanges set up between MM fund and other funds, which isn't possible in brokerage *Have dividends from one fund directed to another fund, which isn't possible in brokerage Upgrading to a brokerage would derai...