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Re: Need advice; Significant Student Loan Burden

Thanks guys. Hardest part is getting started. Lots of money coming in at different times and lots bills and payments going out at different times. Trying to figure out a low maintenance cash flow plan where we are FORCED to live off less and we can consistently max our extra payments to the right l...
by Toons
Wed Oct 01, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice; Significant Student Loan Burden
Replies: 23
Views: 1655

Re: Fidelity Offers A Round-Trip to Europe for New Account

gkaplan wrote:I'd rather have a waffle iron.


+1 :happy
by Toons
Wed Oct 01, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 9
Views: 982

Re: LED Flashlights, many powerful



The 9.99 one, right? :sharebeer
by Toons
Wed Oct 01, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 27
Views: 1039

Re: Buying more when markets are down

Regarding "Being In The Market". A wise old investor once told me "You gotta be there when lighting strikes",so just stay in for life. :happy
by Toons
Wed Oct 01, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 50
Views: 2607

Re: Buying more when markets are down

Good thread. Should I start putting $$ in my Extended Market fund NOW, or wait for it to go lower? (How LOW can you GO???) You're retired and don't need the small change. Go big or go home. I say wait for the "Death Cross". Right. This $6500 would be less than a percent of my total assets...
by Toons
Wed Oct 01, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 50
Views: 2607

Re: U.S. stocks in freefall

Bring on the price declines! We are long overdue for a good old fashioned bear market,where shares are scooped up at great prices.This bull has been running for over 5 years,as we all know the best returns are garnered when we steadily buy index funds during a long declining market,only to see the ...
by Toons
Wed Oct 01, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 834
Views: 138892

Re: LED Flashlights

Bought one,liked it so much bought another,,super :happy

http://www.amazon.com/gp/product/B003KK ... UTF8&psc=1
by Toons
Wed Oct 01, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 27
Views: 1039

Re: Should I include this in my net worth?

stingray5688 wrote:With 12 weeks of leave built up, I think I'd be taking more vacation and worry less about my net worth. That's just me.

I don't see how this could be such a substantial amount unless you have very little savings relative to your income.



+1 :happy
by Toons
Wed Oct 01, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 28
Views: 1595

Re: Why not 100% Stocks?

If you invested 10k in a diversified equity mutual fund then watched it slowly drop in value to 5-6kover a couple year span year during a bear market,would you be eager to buy more shares as your INITIAL investment dropped in value knowing you are buying more shares with your money as prices decline...
by Toons
Wed Oct 01, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 16
Views: 1001

Re: Buying more when markets are down

I bought Index funds YESTERDAY :sharebeer
by Toons
Wed Oct 01, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 50
Views: 2607

Re: Buffett vs. Bogleheads

I wouldn't suggest 90% equities.Most investors,even the staunchest,can't handle the "emotional pain" of loss when the market heads South over an extended period,say 2 years and they lose money slowly,like Chinese water torture ,day after day,so they eventually capitulate and sell,,,,,,at t...
by Toons
Wed Oct 01, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett vs. Bogleheads
Replies: 11
Views: 868

Re: Buying more when markets are down

When the market drops a lot in one day It is a really good day ,just like buying groceries on sale at the store.Just keep buying as often as you can no matter where the market it is. :happy
by Toons
Wed Oct 01, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 50
Views: 2607

Re: Fairholme Fund (FAIRX) down 9.6% today

It all comes with investing,meaning the "rollercoaster ride".Spelled out in any prospectus and usually reads like this but no one pays attention to it when markets are rising :happy " PRINCIPAL RISKS OF INVESTING You could lose money by investing in the Fund, and the Fund could underp...
by Toons
Wed Oct 01, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fairholme Fund (FAIRX) down 9.6% today
Replies: 5
Views: 611

Re: U.S. stocks in freefall

Today a freefall? On a percentage basis,hardly .A free fall is more like when the Dow lost 22.6% of its value in one day,October 19,1987. I remember that day.Dropped 538 points to 1738 .Thats right 1738.Where is the Dow now?Hovering around 17,000.It just reaffirms,stick to your asset allocation,buy ...
by Toons
Wed Oct 01, 2014 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 834
Views: 138892

Re: I want to pay off my mortgage.

Heck yeah! Pay it off tomorrow,be done with it,you will feel fantastic :happy
by Toons
Wed Oct 01, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 33
Views: 1913

Re: Do you deviate from the BH philosophy?

I own both index funds and actively managed funds. :happy
by Toons
Wed Oct 01, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 35
Views: 957

Re: U.S. stocks in freefall

Bring on the price declines! We are long overdue for a good old fashioned bear market,where shares are scooped up at great prices.This bull has been running for over 5 years,as we all know the best returns are garnered when we steadily buy index funds during a long declining market,only to see the p...
by Toons
Wed Oct 01, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 834
Views: 138892

Re: New Investor Question

"Better" is a subjective word,but for simplicity sake ,Target Date Fund,one fund solution,invest,set it forget it,no re-balancing on your part is necessary.Let it compound for decades :happy
by Toons
Wed Oct 01, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Question
Replies: 5
Views: 199

Re: CNN: 5 investing secrets of the wealthy.

Just good old fashioned "Common Sense" :happy
by Toons
Wed Oct 01, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 19
Views: 3128

Re: Iron Rules of Money

Simply Put:
Live Beneath Your Means,Invest :happy
by Toons
Wed Oct 01, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Iron Rules of Money
Replies: 3
Views: 679

Re: I picked up a penny today...

cheese_breath wrote:
Toons wrote:As my Grandfather told me decades ago,"5 pennies makes a nickel,5 nickels makes a Quarter,4 quarters makes a dollar,,,,,,," I'm sure you get the point :happy

Is your point you have to pick up a lot of pennies to get a dollar? :P



LOL :sharebeer
by Toons
Tue Sep 30, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: I picked up a penny today...
Replies: 20
Views: 1854

Re: Is my husband a spendthrift? Or I a tightwad?

He gets 240 a month to spend,,,hmm that might be a little on the tight side . Go ahead and give him a 20 dollar a raise to 80 a week for a while....remember he is your Husband .(Hopefully he his not over spending on the alcohol.) :happy
by Toons
Tue Sep 30, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 93
Views: 5759

Re: Vanguard: "Don't let debt delay or derail your retiremen

Seriously ,how many people do retire with a million dollars or even 500K.Methinks the majority of the masses do not. :happy
by Toons
Tue Sep 30, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Don't let debt delay or derail your retirement"
Replies: 33
Views: 2146

Re: 401 K Question

We decided to leave our 401k with the former employer after retirement.The administrative expenses are extremely low along with the institutional class of index funds that are offered. :happy
by Toons
Tue Sep 30, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401 K Question
Replies: 11
Views: 465

Re: Hard Money Lending, flipping houses 12% return Lets hear

Time to run for cover. Taxi drivers and shoeshine men giving stock recommendations, taxi drivers becoming expert traders with their rolling stocks, fire fighters becoming experts and bragging about making millions of dollars in real estate with their flipping houses secrets, oh boy, it is time to r...
by Toons
Tue Sep 30, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 52
Views: 2507

Re: Very basic bond question

Monthly :happy
by Toons
Tue Sep 30, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Very basic bond question
Replies: 7
Views: 777

Re: Hard Money Lending, flipping houses 12% return Lets hear

Sounds like a lot of hard work,uncertainty,gamble,stress,,,No thanks :happy
by Toons
Tue Sep 30, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 52
Views: 2507

Re: New Investor - Fidelity freedom funds

retiredjg wrote:
JDDS wrote:Note that Freedom Index funds are now available to retail investors per today's earlier post: viewtopic.php?f=1&t=147858&newpost=2208104

This is REALLY good news!


+1 Good News. :happy
by Toons
Tue Sep 30, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Fidelity freedom funds
Replies: 16
Views: 981

Re: I picked up a penny today...

As my Grandfather told me decades ago,"5 pennies makes a nickel,5 nickels makes a Quarter,4 quarters makes a dollar,,,,,,," I'm sure you get the point :happy
by Toons
Tue Sep 30, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: I picked up a penny today...
Replies: 20
Views: 1854

Re: need for a backup credit card?

I had one card for many years.A couple of years ago I added an Amazon card for the points received when making purchases. I don't think it is "Necessary" to have another card.Keep it as simple as possible, :happy
by Toons
Tue Sep 30, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1526

Re: Oatmeal suggestions

Quaker
Milk
Banana :happy
by Toons
Tue Sep 30, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3258

Re: 401k help for a newbie!

2055 for you ,VTSMX(Vanguard Total Stock Market)for your wife,10k balance will get you the Admiral Shares VTSAX :happy
by Toons
Mon Sep 29, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k help for a newbie!
Replies: 3
Views: 215

Re: Should I pay off my sisters student loans?

Pay Off 158? No. There is personal accountability here. She chose law school and made the conscious decision to incur the debt for her education. "she flirted with public service law"."She wouldn't make much money pursuing this path"....sounds like excuses. She will be a better p...
by Toons
Mon Sep 29, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3366

Re: Money Makeovers - Are these legitimate stories?

Wow ,,,Rather depressing to hear her speak.Take charge,get control,quit making excuses,,,its not rocket science to Live Beneath Your Means.She seems rather educated,shouldn't be too hard to figure out. :happy
by Toons
Mon Sep 29, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money Makeovers - Are these legitimate stories?
Replies: 8
Views: 1315

Re: How can I stop feeling depressed about my finances?

As soon as "negative thinking" enters your mind Block it,Stop it..Think Positive,small positive steps everyday,day in day out,Feeling sorry for yourself will get you nowhere.It is a waste of time and energy.You have a lot going for already,,,,Try to be thankful that you: "Don't have t...
by Toons
Mon Sep 29, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 6119

Re: Protection from a market crash

Market Crash?Just yawn,ignore,keep investing at lower prices,same as it was ,same as it will always be :happy :happy
by Toons
Mon Sep 29, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protection from a market crash
Replies: 17
Views: 1445

Re: Read too many books... help untangle

22twain wrote:Remember the old saying that goes something like: "The worst enemy of a good plan is the search for a perfect plan."


+1 That is one of my favorite quotes,,,,Carl Von Clausewitz-"Principles of War" :happy

https://www.goodreads.com/author/quotes ... Clausewitz
by Toons
Mon Sep 29, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2425

Re: Best 401K for 26-year-old

1. VANGUARD TARGET RET 2050 (VTENX) :happy
by Toons
Sun Sep 28, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 401K for 26-year-old
Replies: 21
Views: 1580

Re: Paid off mortgage today

That's outstanding. Now pay yourself that mortgage payment every month and watch how fast your net worth grows. :moneybag :moneybag :moneybag Excellent Idea,,exactly what I did once mortgage was paid off,,started investing the "hypothetical" mortgage payment in a mutual fund the next mont...
by Toons
Sun Sep 28, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 26
Views: 2977

Re: "How Retirement Fees Cost You"

Thanks,Great link :happy
by Toons
Sun Sep 28, 2014 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2710

Re: favorite brand name products

Planters Spanish Peanuts
Ocean Spray Grapefruit Juice
Sprite Zero
Honda Products
Tostitos Scoops
Crocs
Samsung products
Italian Rose Fresh Salsa with Cilantro
Duct Tape(original)
3M products
:happy
by Toons
Sun Sep 28, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2689

Re: How Long Should I Keep My Car?

6 years unless,,,,,,,,, you reach that stage in life where you can pay cash for most anything you want,and have no debt,then buy a care whenever you feel like it. :happy :happy
by Toons
Sun Sep 28, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 41
Views: 2820

Re: It's pretty freaky watching your stocks go up & down all

Tex wrote:DCA and don't pay attention to financial porn. Also, limit looking at financial accounts.


+1 Excellent Ideas :happy
by Toons
Sat Sep 27, 2014 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 5426

Re: Car (new OR old) for mother & baby

Honda Crv. :happy :happy
by Toons
Sat Sep 27, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Car (new OR old) for mother & baby
Replies: 19
Views: 1071

Re: Paid off mortgage today

That's outstanding. Now pay yourself that mortgage payment every month and watch how fast your net worth grows. :moneybag :moneybag :moneybag Excellent Idea,,exactly what I did once mortgage was paid off,,started investing the "hypothetical" mortgage payment in a mutual fund the next mont...
by Toons
Sat Sep 27, 2014 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 26
Views: 2977

Re: What's Your Takeaway from 2014 High Valuation

It was highly valued when I started investing 1980, 1987,1994,2000,2007,2014,,,,Just keep investing ,for life,stay the course,and reinvest the dividends along the way.You won't be sorry. :happy :happy
by Toons
Sat Sep 27, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4057

Re: Why not 100% CD's?

john94549 wrote:
Toons wrote:100% in Certificates of Depreciation? No thanks :happy


Too funny. Never heard that before. As my deceased Aunt used to say, you've had "tee-many mar-toonies."


:sharebeer :sharebeer
by Toons
Fri Sep 26, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4965

Re: [which] toilet paper [from walmart.com?]

Walmart Great Value toilet paper(soft)
by Toons
Fri Sep 26, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 34
Views: 2449

Re: Why not 100% CD's?

100% in Certificates of Depreciation? No thanks :happy
by Toons
Fri Sep 26, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4965
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