Search found 12725 matches

by Toons
Sat Mar 24, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2597

Re: eBay seller mails hard drive in paper envelope

I I plugged it in and it worked.
I would keep it,

:happy
by Toons
Sat Mar 24, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting Interest on Schedule B
Replies: 14
Views: 921

Re: Reporting Interest on Schedule B

I go by the total for the institution.
Example.
CapOne Checking and Money Market Account-Total
:happy
by Toons
Sat Mar 24, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Question on Ally Savings Account vs Capital One 360 MMA?
Replies: 8
Views: 1675

Re: Question on Ally Savings Account vs Capital One 360 MMA?

nolesrule wrote:
Sat Mar 24, 2018 11:23 am
There's no check writing on the Capital One 360 MMA. It's basically a regular savings account.

You could always open a checking account too and transfer funds as needed.

:thumbsup
Bingo :mrgreen:
by Toons
Sat Mar 24, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: How can I start investing when equities and real estate are this much high?
Replies: 65
Views: 8405

Re: How can I start investing when equities and real estate are this much high?

How?
Purchase Equity Index Fund ASAP,
Keep purchasing.
For decades.
I purchased when the Dow was "high" at
887
1500
3000
4000
7000
10000
12000
14000
16000
18000
20000
22000
25000,,,,,,
You get the picture? :mrgreen:
by Toons
Sat Mar 24, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: avoiding taxable interest income and dividends?
Replies: 12
Views: 1695

Re: avoiding taxable interest income and dividends?

We are retired. We pay estimated taxes No withdrawals from Retirement accounts I do my best to minimize. I am paying more in quarterly taxes now in 7th year of retirement than ever before. Why? More income via investments and other sources of income, They way I view it, How many retired people would...
by Toons
Sat Mar 24, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 2767

Re: What car should I get

2018 Touring Civic Here.
Drive one.
:mrgreen:
by Toons
Fri Mar 23, 2018 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Quicken replacement ?
Replies: 1
Views: 399

Re: Quicken replacement ?

Below,
One of quite a few threads on those who are searching for a Quicken alternative :happy

viewtopic.php?t=231261
by Toons
Fri Mar 23, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5213

Re: Your favorite Florida beach??

1.Destin 2.Siesta Key... Just got back from Destin,,, again. :mrgreen: On the Atlantic-side, I've been from Key West to Miami and as far north as Juno Beach. Absolutely stunning sights in parts of the keys. Just recently got back from seeing the Gulf-side for the first time with our recent Tampa tr...
by Toons
Fri Mar 23, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: Rising MMkt rate
Replies: 16
Views: 2475

Re: Rising MMkt rate

Online Bank.
Click.
:mrgreen:
by Toons
Thu Mar 22, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5213

Re: Your favorite Florida beach??

1.Destin
2.Siesta Key...

Just got back from Destin,,,
again.
:mrgreen:
by Toons
Thu Mar 22, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum in Taxable Account - Invest all at once or dollar cost average?
Replies: 42
Views: 2168

Re: Lump Sum in Taxable Account - Invest all at once or dollar cost average?

All in.
Reinvest dividends.
Put it in a drawer and forget about it.
Check back in ten years.
:mrgreen:
by Toons
Thu Mar 22, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Do you Continue to invest even in down market??
Replies: 54
Views: 6699

Re: Do you Continue to invest even in down market??

You should welcome a declining market if you are investing for retirement in your 401k.Share acquisition. Do not let market noise derail your longterm investing plan

😎
by Toons
Wed Mar 21, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2609

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

1) Pay full amount - get $750 discount

Bingo.
Do That.
Then forget about it.
Let Go Of The Mental Baggage
Move On.







:mrgreen:
by Toons
Wed Mar 21, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Cap Core, Vanguard Health care fund as part of 3 fund plan of diversification
Replies: 25
Views: 2337

Re: Prime Cap Core, Vanguard Health care fund as part of 3 fund plan of diversification

I invested in Primecap Core in 2005. It has produced a positive compounded return over the ensuing 13 years. I can't ask for more than that. :happy Toons I totally agree....its very difficult to sell something like that.....my family has core and capital appreciation.....to just dump them for an in...
by Toons
Thu Mar 15, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: What bond funds do you use for taxable accounts?
Replies: 20
Views: 2160

Re: What bond funds do you use for taxable accounts?

Intermediate Term Tax Exempt.
Why?
Taxes.







:mrgreen:
by Toons
Thu Mar 15, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Cap Core, Vanguard Health care fund as part of 3 fund plan of diversification
Replies: 25
Views: 2337

Re: Prime Cap Core, Vanguard Health care fund as part of 3 fund plan of diversification

I invested in Primecap Core in 2005. It has produced a positive compounded return over the ensuing 13 years. I can't ask for more than that. :happy Toons I totally agree....its very difficult to sell something like that.....my family has core and capital appreciation.....to just dump them for an in...
by Toons
Thu Mar 15, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 32337

Re: Those with high savings rate: why?

1.So that we could have some gold in our golden years.
2.When my open open in the morning,,,,I have options for that day,
One day at a time.






:idea:
by Toons
Thu Mar 15, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 14024

Re: 2018 Forester vs CRV vs RAV4

Being biased towards Honda as I have owned more than several
Crv would be my choice.
I owned a Subaru wagon years ago ,had it for 10 years.
Was not made of the quality parts that I have experienced with Honda.
Still a fine product though.





:happy
by Toons
Thu Mar 15, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Cap Core, Vanguard Health care fund as part of 3 fund plan of diversification
Replies: 25
Views: 2337

Re: Prime Cap Core, Vanguard Health care fund as part of 3 fund plan of diversification

I invested in Primecap Core in 2005.
It has produced a positive compounded return over the ensuing 13 years.
I can't ask for more than that.
:happy
by Toons
Tue Mar 13, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9406

Re: Dave Ramsey on Bonds

eye.surgeon wrote:
Tue Mar 13, 2018 10:25 am
Advice for a preschooler, like never cross the street without holding an adult's hand, doesn't always apply to a college graduate. Dave's advice is directed at financial preschoolers. Nothing wrong with that, it describes at least half the population.


+1
:happy
by Toons
Mon Mar 12, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4731

Re: Need help on car decision: Honda CRV vs luxury car used

Honda owner, may be biased. :mrgreen:
Owned 2 Crvs.
Get the Crv loaded.
You will be pleased
Buy New.
:happy
by Toons
Sun Mar 11, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a plot of land for retirement
Replies: 35
Views: 3443

Re: Buying a plot of land for retirement

Retirement for us is probably in 33-38 years.

How to do it?
Save enough to pay cash.
:happy
by Toons
Sun Mar 11, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Investing spreadsheet or software?
Replies: 17
Views: 1700

Re: Investing spreadsheet or software?

Long time Quicken user here.
Now using 2018 Deluxe.
Vast Improvement now that new owners are paying attention. :happy
by Toons
Sat Mar 10, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 6858

Re: 25YR old with considerable amount of cash

Give yourself plenty of time to gather your thoughts.
It has been less than a year since the passing of your Mom.
Park the money in a bank account or money market.
Educate yourself.
Gain knowledge.
With time and knowledge and advice you will gain the confidence to make proper decisions.
by Toons
Sat Mar 10, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3650

Re: Getting Rid of Comcast Modem

I used a Docsis 3.0 for a couple of years. Started getting the emails recently from Comcast to upgrade to 3.1 docsis to take advantage of services offered. Upgraded with the Arris modem below, Download speed has gone from 35 mb to almost 100mbp. Tier plan did not change :happy https://www.amazon.com...
by Toons
Sat Mar 10, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3650

Re: Getting Rid of Comcast Modem

I used a Docsis 3.0 for a couple of years. Started getting the emails recently from Comcast to upgrade to 3.1 docsis to take advantage of services offered. Upgraded with the Arris modem below, Download speed has gone from 35 mb to almost 100mbp. Tier plan did not change :happy https://www.amazon.com...
by Toons
Sat Mar 10, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 5045

Re: Consumer Reports Auto Issue Out now

I purchased a Honda Civic Hatchback Touring Model.
Go get yourself a nice new car,
You can't take it with you
,,,,,you deserve it :mrgreen:
by Toons
Thu Mar 08, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 760K home
Replies: 32
Views: 3104

Re: Can we afford a 760K home

If you are asking,then,
I think you are not convinced that you can afford,that is what is important.
Wait until you "know"
:)
by Toons
Thu Mar 08, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Do I, will I, ever need a bond fund?
Replies: 31
Views: 3981

Re: Do I, will I, ever need a bond fund?

abuss368 wrote:
Wed Mar 07, 2018 9:38 pm
Warren Buffett's mentor Benjamin Graham recommended that investment portfolios have no less than a 25% allocation to bonds.

Bonds lower the volatility of an investment portfolio and also provide an opportunity to rebalance stocks during periods of market distress.




+1
I agree.
by Toons
Wed Mar 07, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 5603

Re: What is your investment strength?

1.Steadfast Discipline.
2.Understanding that long protracted bear markets are an investors ally if steadily purchasing.
3.This Too Shall Pass.






:thumbsup :thumbsup :thumbsup
by Toons
Wed Mar 07, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 ACH speed?
Replies: 10
Views: 1284

Re: Capital One 360 ACH speed?

anonenigma wrote:
Wed Mar 07, 2018 4:26 pm
How soon would a transfer from 360 MM to 360 Checking be available?
Instantaneous. :happy
by Toons
Tue Mar 06, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Samsung Chromebook vs Tablet for Travel?
Replies: 15
Views: 1233

Re: Samsung Chromebook vs Tablet for Travel?

Ditto Chromebook,
I Own Samsung and Asus, chromebooks.
Both Excellent,
take a look at the
ASUS Chromebook C202SA-YS02
I find myself using it the majority of the time.
:happy
by Toons
Tue Mar 06, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 6310

Re: Electric Toothbrushes - again

Ditto Sonic.
Ours have performed superbly for years.
Faithfully replace brushes as recommended.
I look for no other brand :D
by Toons
Tue Mar 06, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are you ready for Amazon checking?
Replies: 42
Views: 6209

Re: Are you ready for Amazon checking?

Count Me "In"





:mrgreen:
by Toons
Tue Mar 06, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to get spare car keys
Replies: 32
Views: 4261

Re: Cheapest way to get spare car keys

I just purchased another key for our 2018 Honda Civic ,because I wanted it,not because I lost it
Local locksmith charged 150.00
Dealer would have been double that.

:happy
by Toons
Tue Mar 06, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need umbrella insurance?
Replies: 21
Views: 1688

Re: Do I really need umbrella insurance?

Contrary to Public Opinion.
I do not think that you "need"it.
8-)
by Toons
Tue Mar 06, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 178
Views: 18878

Re: Is Cash Trash? The Purpose of Cash

I am traveling,
I need to move cash around to and from Cap-one checking and money market accounts.
:happy
by Toons
Fri Mar 02, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: How much tax do I pay on money from 401k?
Replies: 12
Views: 1779

Re: How much tax do I pay on money from 401k?

soccerrules wrote:
Fri Mar 02, 2018 5:17 pm
Because you have not paid tax on this income (ever), it is considered Ordinary Income and would be taxed at whatever your income levels / tax rate ise for that year based on your total income , single or filing jointly.

+1
Bingo :happy
by Toons
Fri Mar 02, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Sweet Spot For SEER Rating
Replies: 29
Views: 2757

Re: Sweet Spot For SEER Rating

Rheem Single Stage 15 Seer for me.
5k installed :happy
by Toons
Fri Mar 02, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 111
Views: 9058

Re: How does one emotionally keep it together during market swings?

Sheepdog wrote:
Fri Mar 02, 2018 12:26 pm
I have seen a time like the present before, haven't I? Be calm, friends, this too shall pass. This may take a while or may just be a blip, but be prepared....including your emotions.
Thanks Sheepdog for reminding me of one of my favorites

"This Too Shall Pass" :thumbsup :thumbsup
by Toons
Fri Mar 02, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade
Replies: 79
Views: 10588

Re: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade

Wow,,,I just glanced at the top endowment funds.
I outpaced them all by my "do nothing " strategy...

:mrgreen: :mrgreen: