Search found 9585 matches

by Toons
Sat Apr 30, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 395
Views: 36711

Re: High Earners - What's Your Profession?

I never was a high earner,,,but yet,
A High Saver :D
by Toons
Sat Apr 30, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Question regarding cost basis methods
Replies: 7
Views: 324

Re: Question regarding cost basis methods

Everybody likes what they like.
Average cost here.
I rarely sell anything. 8-)
by Toons
Sat Apr 30, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Hitting an investment crossroads
Replies: 3
Views: 332

Re: Hitting an investment crossroads

Pay Off the Mortgage :mrgreen:
by Toons
Sat Apr 30, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Stock Market April 2015
Replies: 1
Views: 176

Re: Stock Market April 2015

Here ya go,,historical prices,,,enjoy :happy
http://finance.yahoo.com/q/hp?s=%5EDJI+ ... cal+Prices
by Toons
Sat Apr 30, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk banking
Replies: 23
Views: 1112

Re: Let's talk banking

CapOne 360 Checking here.
If i need an ATM I use android app to locate free.
Rarely though as I use "cash back" the majority of the time when at Walmart. :happy
by Toons
Sat Apr 30, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 30
Views: 1180

Re: Investment Fee's [too high?]

Yes and Yes. :happy
by Toons
Fri Apr 29, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio and Fund Returns
Replies: 4
Views: 243

Re: Expense Ratio and Fund Returns

dbr wrote:
jld999 wrote:expenses have already been taken out of historical fund returns. don't subtract them again.


Yes, all items of operating expense and income are taken into account before the net value of a share is computed. The ER does not include all such items, however.



+1 :happy
by Toons
Fri Apr 29, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: The 1 website you'd recommend
Replies: 13
Views: 1804

Re: The 1 website you'd recommend

Andrew Tobias :happy The author of "The Only Investement Guide You'll Ever Need" :happy http://andrewtobias.com/column/ OMG, Mr. Tobias hasn't aged a day in thirty years. Perhaps he's in the wrong business and should be selling youth elixir or maybe he made so much money he was able to pu...
by Toons
Fri Apr 29, 2016 4:20 pm
Forum: Investing - Theory, News & General
Topic: Why does the market have alarms?
Replies: 4
Views: 460

Re: Why does the market have alarms?

FYI
"The securities and futures exchanges have procedures for coordinated cross-market trading halts if a severe market price decline reaches levels that may exhaust market liquidity"

https://www.sec.gov/investor/alerts/cir ... lletin.htm
:happy
by Toons
Fri Apr 29, 2016 2:51 pm
Forum: Investing - Theory, News & General
Topic: The 1 website you'd recommend
Replies: 13
Views: 1804

Re: The 1 website you'd recommend

Andrew Tobias :happy
The author of "The Only Investement Guide You'll Ever Need" :happy
http://andrewtobias.com/column/
by Toons
Fri Apr 29, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need anything more than WillMaker?
Replies: 12
Views: 795

Re: Do I need anything more than WillMaker?

That kind of net worth.
Splurge and seek legal advice. :happy
by Toons
Fri Apr 29, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Situation
Replies: 9
Views: 702

Re: Term Life Insurance Situation

LateStarter1975 wrote:
Toons wrote:I would contact Zander Insurance:Google is your friend
(Not Affiliated :happy )


I know it's a Dave Ramsey recommendation, but I did get a great deal from Zander insurance 3 years ago when we bought our term life insurances. Beats the quotes you will get from other sites


Exactly :happy
by Toons
Fri Apr 29, 2016 5:00 am
Forum: Investing - Help with Personal Investments
Topic: A little guidance towards financial success
Replies: 22
Views: 1649

Re: A little guidance towards financial success

1. Should future Roth IRA contributions be made to my Fidelity Roth IRA or continue with the great returns via TRP? Contribute to any tax free or tax sheltered investment you can as it is an essential tenet for creating wealth over the long term. 2. How much should I put into a taxable account? As m...
by Toons
Fri Apr 29, 2016 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Situation
Replies: 9
Views: 702

Re: Term Life Insurance Situation

I would contact Zander Insurance:Google is your friend
(Not Affiliated :happy )
by Toons
Thu Apr 28, 2016 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Planning Software and fees
Replies: 3
Views: 420

Re: Financial Planning Software and fees

Not sure what "for whatever scenario you wish means".
I enter all of my Data in Quicken financial software and work with that regarding financial planning.
About 50.00 Amazon download.
:happy
by Toons
Thu Apr 28, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 90
Views: 3869

Re: What's become of Consumer Reports?

One words sums it up.

"Internet"

:shock:
by Toons
Thu Apr 28, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise me.
Replies: 6
Views: 588

Re: Please advise me.

Check out the "White Coat Investor" website ,authored by a highly respected and frequent contributor to the Bogleheads website.
The website is directed at physicians such as yourself. :happy
http://whitecoatinvestor.com/student-lo ... investing/
by Toons
Thu Apr 28, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 3877

Re: Young Male Living with Parents

Do yourself a huge favor and move out.
Leave your comfort zone
You need to learn how to "completely" support yourself.
You won't regret it.
You will gather strength and momentum :happy
by Toons
Thu Apr 28, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early
Replies: 29
Views: 5496

Re: Can I retire early

Yes.
Just keep saving and investing. :happy
by Toons
Thu Apr 28, 2016 6:23 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 69
Views: 4668

Re: Selling in May and Walking Away?

Is May any different than the other 11 months?
I say invest in May,,,,or any other time for that matter :mrgreen:
by Toons
Thu Apr 28, 2016 6:21 pm
Forum: Investing - Theory, News & General
Topic: Almost bought an individual stock today...
Replies: 39
Views: 2533

Re: Almost bought an individual stock today...

Anyone saying Amazon is going to be the biggest company in 10 years doesn't quite understand the market. Today Apple is almost twice as big, it posted quarterly sales of $50 billion compared to Amazon's $29 billion. You know Apple had a MCap of $50 Billion 10 years ago right? I have no clue what Am...
by Toons
Thu Apr 28, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: Almost bought an individual stock today...
Replies: 39
Views: 2533

Re: Almost bought an individual stock today...

I decided to buy Mcdonalds stock in 1990 after seeing cars lined up at the drive thru windows every time I passed one.
Who doesn't like cheeseburgers and Coke, :mrgreen:
by Toons
Thu Apr 28, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 56
Views: 3060

Re: How do you stop robo-calls/unwanted calls?

I don't have landline.
Any spam or "robo calls" that come to my cell phone,
are automatically blocked with an android app. :happy
by Toons
Thu Apr 28, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Saving Too Much in Retirement Accounts?
Replies: 35
Views: 4138

Re: Saving Too Much in Retirement Accounts?

You are doing excellent.
If you really need the money in the retirement accounts you can get it.
Listen to the wisdom inside yourself :happy
by Toons
Thu Apr 28, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Decommisioning a laptop
Replies: 35
Views: 2088

Re: Decommisioning a laptop

Water hose and a Hammer
:mrgreen:
by Toons
Thu Apr 28, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 37
Views: 1599

Re: Atlanta in August -- worth it?

Just too hot and humid :shock:
by Toons
Thu Apr 28, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help deciding if to ditch my financial advisor and DIY
Replies: 13
Views: 959

Re: Help deciding if to ditch my financial advisor and DIY

If nothing else I would invest in the Vanguard Balanced Index fund for 5 years and invest the 9000 in fees(lost opportunity for you) in said fund,
Rather than hand it over to somebody else.
Those dollars compound for YOU and your family and no one else.
:mrgreen:
by Toons
Wed Apr 27, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: Windfall - Payoff Car or Keep it Invested
Replies: 13
Views: 901

Re: Windfall - Payoff Car or Keep it Invested

jbsmith05 wrote:
Toons wrote:Don't make it complicated,
Pay off the car.
Done deal. :happy


I see no thumbs up icon...so :beer :sharebeer



:thumbsup :thumbsup :thumbsup
by Toons
Wed Apr 27, 2016 8:24 pm
Forum: Investing - Theory, News & General
Topic: Windfall - Payoff Car or Keep it Invested
Replies: 13
Views: 901

Re: Windfall - Payoff Car or Keep it Invested

Don't make it complicated,
Pay off the car.
Done deal. :happy
by Toons
Wed Apr 27, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 2417

Re: Should a 60 yr old buy her first house?

I would buy a small condo ,maybe.
Less to take care of is "more" as one ages. :happy
by Toons
Wed Apr 27, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Consumer Cellular?
Replies: 7
Views: 505

Re: Alternatives to Consumer Cellular?

I use StraightTalk-Walmart
For years,
No complaints :happy
by Toons
Wed Apr 27, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Should I accept this offer on my house?
Replies: 52
Views: 2881

Re: Should I accept this offer on my house?

They say it's their final offer, expires tonight.

Take a deep breath.
Don't let that statement cloud your thinking into making an unwise decision.
Whatever you decide to do,know in "your mind" it is the right decision for you.
Trust yourself. :happy
by Toons
Wed Apr 27, 2016 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-efficiency vs. incurred capital gains
Replies: 12
Views: 761

Re: Tax-efficiency vs. incurred capital gains

I don't see where VASGX is very tax inefficient.
It pays out a dividend twice a year and cap gains once a year if any :happy
by Toons
Wed Apr 27, 2016 1:39 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 119
Views: 5646

Re: dividend stocks

Buffett suggests you synthesise a dividend - by selling some shares. If I sell $10,000 of stock that I paid $9,000 for then I have a tax liability on the $1,000 capital gain to have raised $10,000 (gross) cash in hand. A $10,000 dividend in hand is liable to more tax. With synthetic dividends you g...
by Toons
Wed Apr 27, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Best auto/home insurance?
Replies: 13
Views: 895

Re: Best auto/home insurance?

Get an "online quote" from Geico.
They saved me and many others quite a bit of money. :happy
(Not Affiliated)
by Toons
Wed Apr 27, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Manager Changes
Replies: 9
Views: 855

Re: Vanguard Manager Changes

Sounds great,,changes.
Everything works out for the best :happy
by Toons
Wed Apr 27, 2016 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down student loans vs maximize investments
Replies: 13
Views: 880

Re: Pay down student loans vs maximize investments

"However fiance has 120k student loans at 6.5% interest.""
6.5%?

Focus with laser like intensity to get it paid down and "off'' as quickly as possible.
Guaranteed return. :D
by Toons
Wed Apr 27, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Buy used or new? Which of these small SUVs are best for families?
Replies: 36
Views: 1916

Re: Buy used or new? Which of these small SUVs are best for families?

I am partial to CRV
I own a 2015 and,
owned one before that.
I have zero complaints.
EX-L
:happy
by Toons
Wed Apr 27, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 2724

Re: if you HAD to pick 2 actively managed funds???

Wellesley Income
PrimeCap Core.

I would and did.
:mrgreen: :happy
by Toons
Tue Apr 26, 2016 10:33 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 39
Views: 2802

Re: Best place to keep vacation funds and emergency funds

No need to chase miniscule yields.
Online Savings Account. :mrgreen:
by Toons
Tue Apr 26, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What to tell your child about Bill for tax preparation
Replies: 52
Views: 4403

Re: What to tell your child about Bill for tax preparation

"My question to Bogleheads : What would you tell your child?"

The following:
"You have a year to educate yourself."
Make a commitment to do your taxes yourself next year."
Save the 500 , :moneybag
TaxAct,TurboTax,,HR Block..many more to choose from.(Online)


:mrgreen:
by Toons
Tue Apr 26, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Women business clothes - what brands make the right impression?
Replies: 48
Views: 3516

Re: Women business clothes - what brands make the right impression?

I would not waste a lot of time concerning myself with what people think about my attire.
You get paid to work and produce,
Apparently you are doing that in excellent "fashion" :happy
Keep It Up.




:mrgreen:
by Toons
Tue Apr 26, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer to Vanguard
Replies: 8
Views: 858

Re: Transfer to Vanguard

Transfer in kind.
Sell funds,
Buy Vanguard Funds.
Pay fees if necessary(confused on that one)
Move on
You will forget about the fees in a matter of time,
:happy
by Toons
Tue Apr 26, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 51
Views: 2705

Re: Honda Accord or Subaru Legacy

Honda Accord. My Son just bought one. He drove me around in it the other day, Exceptional ,as usual,Honda. Top Shelf in its class "The 2016 Honda Accord, with its refresh this year, continues to be a top-rated choice in the family sedan class." http://www.edmunds.com/honda/accord/2016/revi...
by Toons
Tue Apr 26, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Moths. not burglars, activate lights
Replies: 18
Views: 1264

Re: Moths. not burglars, activate lights

I covered the LED lights inside the Rv with yellow cellophane to deter bugs,,works like a charm...whats to lose :happy http://www.joann.com/yellow-cello-roll/2422699.html?mkwid=Eo9TFTV0|dc&utm_source=google&utm_medium=cpc&utm_term=&utm_campaign=Shopping+-+Home+Decor&CS_003=123104...
by Toons
Tue Apr 26, 2016 8:46 pm
Forum: Investing - Theory, News & General
Topic: The Economy and the Stock Market
Replies: 4
Views: 660

Re: The Economy and the Stock Market

Ah,,,,
Wisdom of The Ages
:D
by Toons
Tue Apr 26, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Upgrading car stereo speakers
Replies: 11
Views: 504

Re: Upgrading car stereo speakers

I would search your area for an independent reputable business that specializes in car audio equipment.
Over the years I have found that they pay special attention to detail and are very knowledgeable. :happy
by Toons
Tue Apr 26, 2016 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Hit the Reset Button - Help with AA & Options
Replies: 13
Views: 1451

Re: Hit the Reset Button - Help with AA & Options

Emergency Fund - Six Months of Expenses in Vanguard Treasury MMF Car Replacement Fund - Currently adding $ every month for car replacement in Vanguard Prime MMF That drew my attention immediately. Might want to consider online savings account. :happy What are opinions about using VG Short Term Inve...

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