Search found 11262 matches

by Toons
Mon Feb 20, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 22
Views: 2778

Re: Thinking of Leaving Vanguard Personal Advisory program

How much advice does one need if they own several mutual funds.
Hold em for life,,for the most part. :happy
by Toons
Mon Feb 20, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Fund in Taxable
Replies: 5
Views: 304

Re: Municipal Bond Fund in Taxable

Vanguard Intermediate Term Tax Exempt Admiral
:happy
by Toons
Mon Feb 20, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 20
Views: 849

Re: Utility Bills - How do ours compare?

1500sq ft
1000 Electric last year
700 water(septic tank)
350 propane(2 fireplaces)
:happy
by Toons
Mon Feb 20, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: When do you need an annuity?.
Replies: 19
Views: 1395

Re: When do you need an annuity?.

David Jay wrote:If you have 30X expenses in your retirement portfolio you do not need an annuity.

If you have a marginal portfolio, the mortality credit of an SPIA provides greater payouts for very long longevity and a guaranteed income stream.



+1 :happy
by Toons
Mon Feb 20, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 29
Views: 1980

Re: Once having achieved 30X -- share your strategy?

Strategy?
Enjoy each day to the fullest,
Keep Smilin.
My "needs" are met. :happy
by Toons
Mon Feb 20, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 77
Views: 2491

Re: 20% bonds: why bother at 48?

"However, if I'm not concerned about a bumpy road during the next 10 years or so
"
No need for you to bother,given that statement.
Go 100% equities :happy
by Toons
Mon Feb 20, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Cost of tax preparation
Replies: 34
Views: 2409

Re: Cost of tax preparation

I am paying about 35 dollars this year federal and state
TaxAct
Nothing complicated,
Several 1099-Div,Int,B
Pensions
SS.

Years back I had K-1 partnerships,home sales ,salaries,,etc etc.
Never paid more than 70.That was with TurboTax.
:happy
by Toons
Sun Feb 19, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do Taxes work with Mutual funds.
Replies: 21
Views: 1255

Re: How do Taxes work with Mutual funds.

Allow me to ask a corollary question. I can write checks off VFSUX {Vanguard Short-Term Investment-Grade Fund Admiral Shares} that I have held more than a year in my brokerage account. When I write these checks is this considered a taxable event and, if so, am I taxed at the 15% rate? If you are se...
by Toons
Sun Feb 19, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: Primecap Admiral Fund VPMAX
Replies: 13
Views: 866

Re: Primecap Admiral Fund VPMAX

Be careful of judging a fund on "past performance" when thinking about the future.
Having said that,I have owned Vanguard Primecap Core for about 12 years now.
I am pleased with its performance when compared to its benchmark,but full well know
it has no bearing on future performance. :happy
by Toons
Sun Feb 19, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: capital gains on sale of home
Replies: 6
Views: 447

Re: capital gains on sale of home

FYI :happy "If you owned and lived in the place for two of the five years before the sale, then up to $250,000 of profit is tax-free. If you are married and file a joint return, the tax-free amount doubles to $500,000. The law lets you "exclude" this much otherwise taxable profit from...
by Toons
Sun Feb 19, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring from Waddell and Reed to Vanguard
Replies: 4
Views: 350

Re: Transferring from Waddell and Reed to Vanguard

When I transferred assets to Vanguard they answered any and all questions I asked.
You might want to give them a call :happy

https://investor.vanguard.com/account-t ... sfer-money
by Toons
Sun Feb 19, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 32
Views: 2236

Re: Wifi Router Advice

by Toons
Sun Feb 19, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VSMGX [LifeStrategy Moderate Growth]
Replies: 8
Views: 803

Re: Vanguard VSMGX [LifeStrategy Moderate Growth]

Low expenses.
All index.
Excellent balance
Stick with it. :happy
by Toons
Sun Feb 19, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidated 1099-DIV or individual entries
Replies: 9
Views: 614

Re: Consolidated 1099-DIV or individual entries

I don't know the exact answer.
I have always listed each Vanguard fund separately
And continue to do so :happy
by Toons
Sun Feb 19, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is working to improve service
Replies: 7
Views: 771

Re: Vanguard is working to improve service

nedsaid wrote:Good organizations become aware of their problems and endeavor to solve them. I would say be patient with Vanguard and give them a chance to iron all of this out.


+1
Exactly :happy
by Toons
Sun Feb 19, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: What to do? [fearful of potential losses]
Replies: 6
Views: 634

Re: What to do?

Stick to your asset allocation.
You can control that.
The volatility itself,
You have NO control over it.
Control what you can,
let the rest go,
You will be fine.
:mrgreen:
by Toons
Sun Feb 19, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Why is American funds returns too good to be true?
Replies: 45
Views: 4914

Re: Why is American funds returns too good to be true?

Have owned Investment Company Of America,
Capital Income Builder ,
with American Funds for many years.
If I had to choose a load fund family it would be American. :happy
by Toons
Sun Feb 19, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Any Chromebook experts?
Replies: 13
Views: 1274

Re: Any Chromebook experts?

Been using Chromebooks since their inception Google gave me my first one I am using an Asus Chrome book now typing this reply. I have another tab open in the chrome browser. That tab I am watching an Amazon Prime movie called "Margin Call". To view I went to my Amazon account/found movies/...
by Toons
Sat Feb 18, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split $10K Fed Tax Bill Between Husband and Wife
Replies: 38
Views: 1963

Re: How to Split $10K Fed Tax Bill Between Husband and Wife

Married correct? Everything is joint Pay it out of whatever bucket you can find it. Forget "percentages" :mrgreen: We are married - 25 years this July - and we've alway kept our finances separate. This was her request because her ex-husband mis-managed her money. We don't have a bucket. S...
by Toons
Sat Feb 18, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split $10K Fed Tax Bill Between Husband and Wife
Replies: 38
Views: 1963

Re: How to Split $10K Fed Tax Bill Between Husband and Wife

Married correct?
Everything is joint
Pay it out of whatever bucket you can find it.
Forget "percentages" :mrgreen:
by Toons
Sat Feb 18, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 39
Views: 2433

Re: Need advice on girlfriend debt/finances

"She isn't much of a saver and never really has planned or budgeted"

Red flag.
Financial differences is at the top of the list of causes of divorce. :shock:
by Toons
Sat Feb 18, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 24
Views: 1777

Re: Missing my Microsoft Money - any equivalents?

brew wrote:Sorry I edited right after you replied. It doesn't appear it will prevent you from getting at your previously entered data.





:sharebeer
by Toons
Sat Feb 18, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 24
Views: 1777

Re: Missing my Microsoft Money - any equivalents?

brew wrote:
Toons wrote:Quicken 2017
Deluxe :happy


Expected to go subscription-only, going so far as to lock you out of your data if you're not paid up.

http://www.computerworld.com/article/31 ... model.html




Thats fine with me. :mrgreen:
by Toons
Sat Feb 18, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 22
Views: 2587

Re: Vanguard Service problems in the news

Poor customer service affects more than Vanguard's customers. It takes a toll on the existing employees who have to deal with second and third requests from unhappy customers. In addition, when backlogs are piled high pressure increases on current employees to be ever more productive. Overall moral...
by Toons
Sat Feb 18, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 22
Views: 2587

Re: Vanguard Service problems in the news

" We handled more than 10 million phone calls, answered 1.4 million emails, and transacted 17 million brokerage trades"


This speaks volumes.
Patience.
Let em catch up
by Toons
Thu Feb 16, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff vs. ANY Investing
Replies: 29
Views: 1194

Re: Student Loan Payoff vs. ANY Investing

Stay focused on the debt until it is gone
Dave would be proud of you :mrgreen:
by Toons
Thu Feb 16, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Getting back into market after sitting on sidelines
Replies: 11
Views: 1117

Re: Getting back into market after sitting on sidelines

Stay In,
"You gotta be there when lightning strikes"
:mrgreen:
by Toons
Thu Feb 16, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA - Cost Basis Options
Replies: 9
Views: 606

Re: Vanguard Roth IRA - Cost Basis Options

Prior Thread should give you some insight. :happy

viewtopic.php?t=69243
by Toons
Thu Feb 16, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 115
Views: 5541

Re: Credit cards vs. Cash

Cash back card.
Pay it weekly. :happy
by Toons
Thu Feb 16, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 2537

Re: What's the secret to happiness?

Giving of one's self.
Sharing and Loving family.
Volunteering.
Aiding those that need assistance.
Keep A Smile On Your Face,
The choice is yours each and every day :happy
by Toons
Thu Feb 16, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 48
Views: 5228

Re: Cable and Internet

Cut the cord.
Pay for internet.
Watch the highlights on Youtube.(for that fact almost anything)
Works for me. :happy
by Toons
Thu Feb 16, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 58
Views: 5625

Re: Is it reasonable to have 100% in the stock market?

" I have no debt other than a mortgage for a modest condo I bought a year ago. "

Pay it off ,
Be Done with it.
:mrgreen:
by Toons
Thu Feb 16, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Progress Made - What Now? (Pay off cheap mtg or invest)
Replies: 22
Views: 1941

Re: Progress Made - What Now? (Pay off cheap mtg or invest)

DEBTS Auto Loan - $29K - 5 year fixed at 0.90% (4 years left) Home Mortgage: $348K, 15 yr fixed at 2.75% (14 years left) Rental Mortgage: $135K - 30 yr fixed at 5.125% (22 years left) Rental Mortgage:$170K 30 yr fixed at 4.125% (26 years left) Rental Mortgage: $147K 30 yr fixed at 3.0% (23 years le...
by Toons
Thu Feb 16, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Fund recommendation
Replies: 20
Views: 1518

Re: Fund recommendation

VTSAX
8-)
by Toons
Thu Feb 16, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2041

Re: I may be a workaholic?

Are You Relatively "Content".
That is an important question to ask yourself.
Nothing is perfect. :happy
by Toons
Wed Feb 15, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on money gurus
Replies: 12
Views: 995

Re: BH thoughts on money gurus

Ramsey "get out of debt" mantra passes the test with me.
The rest of em?
Just Pass. :happy
by Toons
Wed Feb 15, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 54
Views: 5276

Re: Stock Market Fears

50/50?
Don't budge.
You are set.
:happy
by Toons
Wed Feb 15, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Sector Funds
Replies: 6
Views: 349

Re: Sector Funds

The time to do that was 2008.
Isn't hindsight wonderful
Buy low :happy
by Toons
Wed Feb 15, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 65
Views: 3851

Re: Why own individual stocks?

I knew nothing about index funds when I purchased Mcdonalds ,WalMart and Coke,about 25 years ago.
I purchased them for Growth of Capital and Income.
Fortunately they have provided both.
:mrgreen:
I
by Toons
Wed Feb 15, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Why Dollar Cost averaging is lousy
Replies: 23
Views: 2542

Re: Why Dollar Cost averaging is lousy

I would say that making the choice to "Not Invest" is lousy.
Dollar Cost,Lump Sum,,whatever choice you make "To Invest",,is excellent :mrgreen:
by Toons
Wed Feb 15, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 2663

Re: How & when to sell lots of a single stock with huge capital gains

Paying capital gains is part of the investing equation when you realize a a profit.
The alternative is to not make a profit and not pay taxes.
Think it through :mrgreen:
by Toons
Wed Feb 15, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3260

Re: I want to ditch the cable company's modem

Angelus359 wrote:I have Arris/Motorola 6141. Works fine



+1 :happy

https://www.amazon.com/ARRIS-SURFboard- ... B00AJHDZSI

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