Search found 6642 matches

by Toons
Thu Sep 03, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: MP3 player for 8 year old
Replies: 2
Views: 249

Re: MP3 player for 8 year old

You don't have to pay high prices.
Check it out 20.00,or something along this line :happy

http://www.amazon.com/G-G-Martinsen-Mul ... mp3+player
by Toons
Thu Sep 03, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Co-Workers Think I'm Doomed Based on Portfolio Perf.
Replies: 50
Views: 5279

Re: Co-Workers Think I'm Doomed Based on Portfolio Perf.

Grt2bOutdoors wrote:Yes, you are doomed to retire on time. :D


+1 :happy
by Toons
Thu Sep 03, 2015 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Officer vs. Financial Advisor
Replies: 7
Views: 568

Re: Loan Officer vs. Financial Advisor

You might do yourself a favor and "Google" Edward Jones financial advisor blog,or Edward Jones.
You will gather insight.
Pro & Con :happy
by Toons
Thu Sep 03, 2015 7:25 pm
Forum: Personal Consumer Issues
Topic: Lost Cell Phone
Replies: 12
Views: 759

Re: Lost Cell Phone

CountryBoy wrote:Never mind.......I found it.

Many thanks.


Excellent!
Curious ,,where did you find it :happy
by Toons
Thu Sep 03, 2015 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion, same as contribution?
Replies: 23
Views: 848

Re: Roth conversion, same as contribution?

See Fairmark's page on distributions after a Roth IRA conversion: http://fairmark.com/retirement/roth-accounts/roth-distributions/distributions-after-a-roth-ira-conversion/ Fairmark has lots of great information on Roth accounts (Roth IRA, Roth 401k) contributions, conversions, distributions etc. S...
by Toons
Thu Sep 03, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 75
Views: 5249

Re: Take a 0.74% car loan or pay with cash?

Pay Cash (again) :sharebeer
by Toons
Thu Sep 03, 2015 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Where to park $150-200k for a down payment on house in next 1-2 years
Replies: 14
Views: 1234

Re: Where to park $150-200k for a down payment on house in next 1-2 years

I parked mine in Vanguard's Intermediate Term Tax Exempt fund. This was when we knew interest rates would not go up that year, and that is no longer true, so you might want something with a shorter duration. The upside - I made a reasonable amount of money from the dividends and that part was tax-e...
by Toons
Thu Sep 03, 2015 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is it wise to use 100% Vanguard all-in-one funds?
Replies: 45
Views: 3909

Re: Is it wise to use 100% Vanguard all-in-one funds?

I guess I made a "mistake".
I own Lifestrategy Conservative Growth in Taxable.
Am I doomed ? :D
by Toons
Thu Sep 03, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: Balanced Index Fund Fan
Replies: 11
Views: 1275

Re: Balanced Index Fund Fan

It sure was nice that I had Vanguard's Balanced Index Fund in my IRA during that correction (if you can call it that). It proved to me that I can literally just ignore it and move on. Unfortunately, my 401K does not have that fund and I have to do the hard work of rebalancing my two fund portfolio....
by Toons
Thu Sep 03, 2015 6:51 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78187

Re: What are you up YTD? [Year To Date]

I don't have a clue ,but I do know the portfolio has grown more than substantially since March 2009.
(S&P-666)
I try to keep things in perspective.
The glass is "Half Full" :sharebeer
by Toons
Thu Sep 03, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Lost Cell Phone
Replies: 12
Views: 759

Re: Lost Cell Phone

FYI

T-Mobile -Pay As You Go
Lost or Stolen phone

https://support.t-mobile.com/docs/DOC-1211
by Toons
Thu Sep 03, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 14
Views: 1072

Re: Umbrella Insurance

A prior thread on umbrella insurance might further your insight :happy

viewtopic.php?t=34562
by Toons
Thu Sep 03, 2015 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Goal: Have $0 left when I die
Replies: 66
Views: 3967

Re: Goal: Have $0 left when I die

You could spend it all today and solve that problem. Personally, as long as I have enough to support a comfortable lifestyle while I'm still here I have no qualms about leaving some behind. The kids can have it. If I didn't have kids I would leave it to charity. I don't see any joy in spending just...
by Toons
Thu Sep 03, 2015 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends are taxed at ?
Replies: 4
Views: 493

Re: Dividends are taxed at ?

FYI:
"The treatment of dividend income" :happy

https://www.wellsfargoadvisors.com/mark ... me-tax.htm
by Toons
Thu Sep 03, 2015 5:20 am
Forum: Investing - Help with Personal Investments
Topic: Rewards checking accounts as investments
Replies: 32
Views: 1540

Re: Rewards checking accounts as investments

john94549 wrote:When these came out some years back, I mulled it over, then passed. The "hoops" can get tricky.


+1 My sentiments exactly
Eventually I gave up "chasing yields" :happy
by Toons
Wed Sep 02, 2015 12:34 pm
Forum: Investing - Theory, News & General
Topic: Large short term market swings - why?
Replies: 10
Views: 727

Re: Large short term market swings - why?

1.Emotions
2.Perceptions
:happy
by Toons
Wed Sep 02, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Investing without past performance data
Replies: 27
Views: 1338

Re: Investing without past performance data

galeno wrote:One of the many benefits of Boglehead investing is past performance does not matter.


+1 :happy
by Toons
Wed Sep 02, 2015 10:34 am
Forum: Investing - Theory, News & General
Topic: Nothing is something worth doing
Replies: 22
Views: 1950

Re: Nothing is something worth doing

"Anyone else doing nothing?"

Me :happy
by Toons
Wed Sep 02, 2015 6:32 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 115
Views: 7256

Re: Selling all equities, discuss why I'm wrong. :)

You made the right decision for YOU,,,don't question it :happy
by Toons
Tue Sep 01, 2015 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Any bad experiences with Online banking?
Replies: 37
Views: 2951

Re: Any bad experiences with Online banking?

I've been banking online with Capital One (formerly Ing Direct)since 2004 ,no problems whatsoever. :happy
by Toons
Tue Sep 01, 2015 6:16 pm
Forum: Investing - Theory, News & General
Topic: Reblancing
Replies: 17
Views: 1113

Re: Reblancing

The Stock Market is currently in the process of doing an automatic rebalancing for me :happy
by Toons
Tue Sep 01, 2015 4:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2009
Views: 384543

Re: U.S. stocks in freefall

HurdyGurdy wrote:I confess that I'm a bit hesitant about login to my retirement accounts to rebalance. Should I just put the money in balanced funds, to prevent myself from peeking and worrying?


If Market Noise is steering you to make decisions with your investments absolutely Not. :happy
by Toons
Tue Sep 01, 2015 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 38
Views: 2163

Re: Chip credit cards, do I need to get a PIN?

I do not use pins with my chip cards ,like you I don't get cash with them. :happy
by Toons
Tue Sep 01, 2015 4:30 pm
Forum: Personal Consumer Issues
Topic: why is my android phone full?
Replies: 20
Views: 2542

Re: why is my android phone full?

It has 16 gb of memory allocated as follows: Applications 4.7 Gb Photos and videos 3.8 Gb Miscellaneous files 6.4 Gb However when I click on miscellaneous files, the listed items only total up to about 160 Mb and the largest item is only 80Mb. What are the missing 6.24 Gb of miscellaneous files tha...
by Toons
Tue Sep 01, 2015 4:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2009
Views: 384543

Re: U.S. stocks in freefall

dbCooperAir wrote:
Toons wrote:It is time for some of the hiss to be let out of the balloon,,,,,,, :sharebeer


Image

:beer


Hahah!!!
Excellent :sharebeer
by Toons
Tue Sep 01, 2015 3:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2009
Views: 384543

Re: U.S. stocks in freefall

Going from a bad day to a very bad day. DJIA now down nearly 500 points. 16,000 in jeopardy (I wanted to see if I could spell jeopardy). :( A Point of reference March 9, 2009: Dow Hits 12-year Low That night the Dow closed at 6,547.05 , its lowest close in 12 years. The value of all U.S. stocks had...
by Toons
Tue Sep 01, 2015 11:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2009
Views: 384543

Re: U.S. stocks in freefall

dbCooperAir wrote:
flyingaway wrote:I am starting to like this thread.


It's like a fine aged wine.

Its nice to have most of the drop talk in one place!


It is Entertaining :happy
by Toons
Tue Sep 01, 2015 11:15 am
Forum: Investing - Help with Personal Investments
Topic: How and when to rebalance
Replies: 8
Views: 663

Re: How and when to rebalance

" Should I do the remaining percentage in one swoop or should I stretch it out over time."

Speaking for myself ,"Over Time" :happy
by Toons
Tue Sep 01, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: Sentiment Chart Cycle
Replies: 14
Views: 807

Re: Sentiment Chart Cycle

Thanks Toons! You are always relaxed!! I am at fear on the Chart! I would like to be at optimism! Riptide,,thanks,,,, Take a "deep breathe".... a couple of thoughts,,,,, 1.Focus on what you have control over,like how much you save and invest and let go of what you have no control over,,le...
by Toons
Tue Sep 01, 2015 8:08 am
Forum: Investing - Theory, News & General
Topic: Sentiment Chart Cycle
Replies: 14
Views: 807

Re: Sentiment Chart Cycle

Ok,,where are the "masses" now on the Sentiment Cycle,,,,2 1/2 years later :happy
by Toons
Tue Sep 01, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: why is my android phone full?
Replies: 20
Views: 2542

Re: why is my android phone full?

Try this if you haven't already: 1.. Once you press the Camera icon on your phone, then select the settings icon that looks like a gear. 2. Once the setting menu pops up, scroll down to the middle and select Storage. 3.From the Storage popup menu select Memory Card and green circle to the right conf...
by Toons
Tue Sep 01, 2015 5:28 am
Forum: Investing - Theory, News & General
Topic: Target date funds and frequency of rebalancing
Replies: 6
Views: 700

Re: Target date funds and frequency of rebalancing

"Would a Target Date fund or Lifestrategy fund relieve me of the responsibility of rebalancing when my "bands" make it appropriate?"

Yes :happy
Lifestrategy Conservative Growth for me :happy
by Toons
Tue Sep 01, 2015 5:26 am
Forum: Personal Finance (Not Investing)
Topic: I have a Confession...Dave Ramsey...Help!
Replies: 70
Views: 7900

Re: I have a Confession...Dave Ramsey...Help!

Debt Free,,,,,Is there Any other way? :happy
by Toons
Sun Aug 30, 2015 5:32 am
Forum: Investing - Theory, News & General
Topic: Reblancing
Replies: 17
Views: 1113

Re: Reblancing

I have been rebalancing gradually the last 4 years,with div,capgains,new cash.
No quick moves.
Pros Cons?
I have no idea :happy
by Toons
Sat Aug 29, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 123
Views: 6838

Re: Aug 2015 correction: what Bogleheads did...

I yawned a couple times,,then spent most of my time outdoors. :happy
by Toons
Sat Aug 29, 2015 8:07 am
Forum: Investing - Help with Personal Investments
Topic: My 401K Choices - Screenshot attached
Replies: 9
Views: 1508

Re: My 401K Choices - Screenshot attached

Vanguard Retirement 2040 or 2045 :happy
by Toons
Sat Aug 29, 2015 6:23 am
Forum: Investing - Theory, News & General
Topic: part 1 of my webinar on the current crisis and how to think about it
Replies: 9
Views: 2095

Re: part 1 of my webinar on the current crisis and how to think about it

What "crisis"? I guess after going through 2000-2002 and 2008-9, it's easy to be looking for a "crisis" at every dip. But the DOW went down about 15% peak-to-trough...is that REALLY a crisis? If you have a life expectancy of at least 20 more years, isn't it normal to expect MANY...
by Toons
Fri Aug 28, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6011

Re: If stocks dropped 30% next Monday, would you rebalance?

If it happens next Monday,,,,,
I think I will pass,,I'm going camping anyway 8-)
by Toons
Fri Aug 28, 2015 4:04 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle: How to handle the market's wild ride
Replies: 16
Views: 1721

Re: How to handle the market's wilde ride?

The same way Bogle does. :happy
by Toons
Fri Aug 28, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2801

Re: Where are John Bogle and Warren Buffett

A couple of favorite quotes that remain in my "brain" :happy Bogle: "“As I have said before, the daily machinations of the stock market are like a tale told by an idiot, full of sound and fury, signifying nothing,” Bogle added." Buffett: ""I never attempt to make money ...
by Toons
Thu Aug 27, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Joint finances and cash management
Replies: 38
Views: 2827

Re: Joint finances and cash management

We are "married".
What's mine is hers and vice versa.
Everything is joint :happy
by Toons
Wed Aug 26, 2015 7:27 pm
Forum: Investing - Theory, News & General
Topic: More Proof: The 'Do Nothing' Strategy Works
Replies: 15
Views: 2760

Re: More Proof: The 'Do Nothing' Strategy Works

GoldenFinch wrote:I just keep thinking about the Fidelity study which found that the people who had forgotten about their portfolio or were dead had the best returns.... :happy

Don't just stand there, do nothing.



+3 :happy
by Toons
Wed Aug 26, 2015 3:19 pm
Forum: Investing - Theory, News & General
Topic: Good time for 50/50 portfolio Bonds/Equities?
Replies: 85
Views: 9097

Re: Good time for 50/50 portfolio Bonds/Equities?

tennisplyr wrote:
Toons wrote:50/50 is a good "Lifetime" asset allocation :happy



I'm retired, 65 and st 50/50. I think you may be right.


Hey,you could do a lot worse than 50/50 and the emotional rollercoaster for most investors would be a much smoother ride.(Don't be greedy) :happy
by Toons
Wed Aug 26, 2015 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Dipping into the emergency fund for rebalancing purposes during market downturns?
Replies: 29
Views: 3282

Re: Dipping into the emergency fund for rebalancing purposes during market downturns?

I wouldn't mess with the money to buy equities.
Soon as you purchase,the Market could drop another 2,000 points.
Then how would you feel :happy

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