Search found 6604 matches

by Toons
Sun Aug 30, 2015 5:32 am
Forum: Investing - Theory, News & General
Topic: Reblancing
Replies: 13
Views: 741

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: 97
Views: 4013

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: 1121

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: 1722

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: 88
Views: 4183

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: 1693

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: 2585

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: 2514

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: 2642

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: 63
Views: 6532

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: 2756

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
by Toons
Wed Aug 26, 2015 9:21 am
Forum: Investing - Theory, News & General
Topic: Anybody questioning use of an advisor at this volatile time?
Replies: 19
Views: 1745

Re: Anybody questioning use of an advisor at this volatile time?

" I use an advisor and have found that there has been some psychological benefit to the additional roadblock between me and portfolio tinkering. Moreover, he called me this week with a tax loss harvesting opportunity." Although many on this board eschew using an advisor, I do not. It you ...
by Toons
Wed Aug 26, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: Good time for 50/50 portfolio Bonds/Equities?
Replies: 63
Views: 6532

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

50/50 is a good "Lifetime" asset allocation :happy
by Toons
Wed Aug 26, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 4670

Re: Floss aversion

Johnsson & Johnson ,Reach brand :happy

http://www.reachfloss.com/
by Toons
Tue Aug 25, 2015 6:53 pm
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 9835

Re: How are you being GREEDY when others are fearful?

"Today", my needs are met.
I am neither fearful nor greedy.
I will take what the market gives.
I do not spend time chasing for "more".
:happy
by Toons
Mon Aug 24, 2015 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 3837

Re: 2008 all over again...

You are transported back in time to 2008 just before the market crash. You have no knowledge of future events, except that the market is about to crash and not recover for about a year and a half. What would you change with your IRA or 401k asset allocation? I would remain 80/20 stock/bond as I did...
by Toons
Mon Aug 24, 2015 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: What to do now with market crash?
Replies: 56
Views: 7443

Re: What to do now with market crash?

I would invest now if that is what your money is earmarked for,regardless of what market noise is going on :happy
by Toons
Sun Aug 23, 2015 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 51
Views: 4963

Re: What is Your Plan B if Quicken dies?

Many years ago I switched from Quicken to MS Money, then to Moneydance. It was fairly painful at each transition to move my data via QIF files, but after identifying and fixing a handful of transactions each time that that did not import correctly I've been able to preserve all my history. Over 20 ...
by Toons
Sun Aug 23, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Not a market timer but......investing vs student loan payoff
Replies: 14
Views: 1113

Re: Not a market timer but......investing vs student loan payoff

Eliminate the debt :happy Let's say I do eliminate all the student loan debt in the next 2-3 years. Are you also advocating attacking mortgage next? Haven't run the numbers to determine my tax-adjusted mortgage interest rate, but I suspect it's in the 2s. I am presuming that I will be in the extrem...
by Toons
Sun Aug 23, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: LastPass Users' Feedback
Replies: 14
Views: 1004

Re: LastPass Users' Feedback

What do I like about LastPass? In layman's terms "It works." I have been using the premium version for years now. Invaluable,with 60 or more passwords,easy access on phones,tablets,chrombook,etc. My spouse and I use the same premium account on all devices,hers and mine,full access for both...
by Toons
Sun Aug 23, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 134
Views: 16319

Re: Wise move to move some $ to cash before bear market?

Market Timing?
Pass.
More power to the experts in outfoxing the markets. :happy
by Toons
Sun Aug 23, 2015 7:53 pm
Forum: Investing - Theory, News & General
Topic: "FEAR" Is Here,...
Replies: 53
Views: 6834

Re: "FEAR" Is Here,...

Fear?
Fear Of What?
Losing Money?
Can you replace money?
Quit fretting over nothing. :happy
by Toons
Sun Aug 23, 2015 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: waiting on the side-lines
Replies: 9
Views: 1012

Re: waiting on the side-lines

You missed 2 1/2 years of compounding,why wait?
Time ,Not Timing :happy
by Toons
Sun Aug 23, 2015 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Not a market timer but......investing vs student loan payoff
Replies: 14
Views: 1113

Re: Not a market timer but......investing vs student loan payoff

Eliminate the debt :happy Let's say I do eliminate all the student loan debt in the next 2-3 years. Are you also advocating attacking mortgage next? Haven't run the numbers to determine my tax-adjusted mortgage interest rate, but I suspect it's in the 2s. I am presuming that I will be in the extrem...
by Toons
Sun Aug 23, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Ways to reduce basement humidity
Replies: 20
Views: 1741

Re: Ways to reduce basement humidity

When I lived up North I used a dehumidifier to reduce basement moisture,Worked fine :happy

FYI
Reduce Moisture
http://www.doityourself.com/stry/reduce ... p-basement
by Toons
Sun Aug 23, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 51
Views: 4963

Re: What is Your Plan B if Quicken dies?

Many years ago I switched from Quicken to MS Money, then to Moneydance. It was fairly painful at each transition to move my data via QIF files, but after identifying and fixing a handful of transactions each time that that did not import correctly I've been able to preserve all my history. Over 20 ...
by Toons
Sun Aug 23, 2015 7:54 am
Forum: Investing - Theory, News & General
Topic: Getting out of your comfort zone
Replies: 21
Views: 2263

Re: Getting out of your comfort zone

Staying the course with a 90/10 stock bond asset allocation for several decades :happy
by Toons
Sat Aug 22, 2015 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 8
Views: 893

Re: First Taxable Account

I say reinvest the dividends and capgains for years(decades)its automatic,you don't have to think about it,and you will be putting the compounding machine to work for YOU. :happy
by Toons
Sat Aug 22, 2015 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend investment
Replies: 17
Views: 1750

Re: Dividend investment

I read another thread that says NOT to re-invest dividends in a taxable account. If this is the case, where should I park it? I have Vanguard send my dividends to a high yield savings account then decide if I want to reinvest for specific funds, or take my wife out for a nice dinner :happy +1 :happy
by Toons
Sat Aug 22, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 46
Views: 6610

Re: A warning on RBDs

To underline what livesoft is saying: market movements are not smooth, on any time scale. It seems to be almost impossible to "feel" this intuitively, the actual complexity of the past movements is far too complicated for anyone--or at least most people--to remember. We smooth, we simplif...
by Toons
Sat Aug 22, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 8317

Re: How long will you"Stay the Course"?

The Dow dropped over 500 points in Oct.1987,,,22%(1793.00) Does it really matter?Up ten fold since then. Don't sweat the small stuff,,,keep investing :happy Exactly my thoughts, too! The good ole days, weren't they, when a drop of 530 in a day really Meant Something, didn't it? The older folks here...
by Toons
Sat Aug 22, 2015 2:04 pm
Forum: Investing - Theory, News & General
Topic: Should I want the market to go up or down?
Replies: 35
Views: 3457

Re: Should I want the market to go up or down?

Long Term?
Share Acquisition.
Bear Markets are a wonderful opportunity for that.
:happy
by Toons
Sat Aug 22, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: What to do w/450K in cash?
Replies: 32
Views: 3948

Re: What to do w/450K in cash?

Keep sitting on it until YOU decide what you want to do with it :happy
by Toons
Sat Aug 22, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 51
Views: 4963

Re: What is Your Plan B if Quicken dies?

"I would be totally lost without Quicken, and honestly, the older I get, and the worse my memory is, I don't understand how people function without such a tool. My financial life would feel like chaos without Quicken." Feel somewhat the same way,,,I would figure something out though. Don'...
by Toons
Sat Aug 22, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Online clothing shopping?
Replies: 16
Views: 1383

Re: Online clothing shopping?

Success with Amazon here,,,,easy return policy if clothing doesn't fit properly :happy
by Toons
Sat Aug 22, 2015 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Just confirming....."stay the course"?
Replies: 53
Views: 5994

Re: Just confirming....."stay the course"?

Stand there and do Nothing :happy
Regain your equilibrium after all this noise fades away :happy
by Toons
Sat Aug 22, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 8317

Re: How long will you"Stay the Course"?

The Dow dropped over 500 points in Oct.1987,,,22%(1793.00)
Does it really matter?Up ten fold since then.
Don't sweat the small stuff,,,keep investing :happy
by Toons
Sat Aug 22, 2015 11:18 am
Forum: Investing - Help with Personal Investments
Topic: CD Money Market or Savings/ what is the best for newbie?
Replies: 5
Views: 699

Re: CD Money Market or Savings/ what is the best for newbie?

10k? Savings :happy I have another post concerning how to invest 90k... I am going to put most in savings right now and take sometime to research what would be best for our needs. No rush 8-) "No Rush" I like that approach a lot. Take your time in all financial decisions,patience,it will ...
by Toons
Sat Aug 22, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Comparison Shopping Homeowner's Insurance
Replies: 8
Views: 1000

Re: Comparison Shopping Homeowner's Insurance

FYI :
You can start with Geico :happy
(Not Affiliated)
https://www.geico.com/getaquote/homeowners/
by Toons
Sat Aug 22, 2015 10:15 am
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 8317

Re: How long will you"Stay the Course"?

"For Life" :happy
by Toons
Fri Aug 21, 2015 9:05 pm
Forum: Investing - Theory, News & General
Topic: Should I want the market to go up or down?
Replies: 35
Views: 3457

Re: Should I want the market to go up or down?

Wealth is Created in Bear Markets,You just don't know it at the time,,provided you are DISCIPLINED and continuing to buy shares on a regular basis. I much perfer declining markets when it comes to share accumulation.Thats what mutual fund investing is about ,share accumulation and those shares compo...
by Toons
Fri Aug 21, 2015 3:44 pm
Forum: Investing - Theory, News & General
Topic: Where are you in the cycle of market emotions?
Replies: 63
Views: 5250

Re: Where are you in the cycle of market emotions?

Thought I would revive this one :happy

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