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Re: How to finance major home improvements

Cash is King. :happy
by Toons
Wed Aug 20, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to finance major home improvements
Replies: 18
Views: 686

Re: Unlimited cell plans dropping in price?

Straight Talk -45.00 "unlimited" :happy "*30 day Unlimited Plans include 3GB of high speed data per 30 day cycle. After 3GB, your data speed will be reduced for the remainder of the 30 day cycle. High speed data is restored once a new 30 day service plan is added." How much web ...
by Toons
Wed Aug 20, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 22
Views: 1533

Re: Subaru Blues

Consider a Toyota or Honda :happy
by Toons
Wed Aug 20, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 18
Views: 1343

Re: How to best pay for a second home?

The consensus seems to be to remortgage the Cape house for the amount needed for AZ. I was hoping for someone to come up with some other, more brilliant plan, that I had overlooked, but life ain't like that. Thanks for everyone's input. Rich If you choose not to sell the Cape Cod,then like you said...
by Toons
Wed Aug 20, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay for a second home?
Replies: 8
Views: 609

Re: Newbie - Please critique my portfolio - suggestions welc

This is all I saw when I glanced @the thread, "Emergency funds: No. $0.00 (I don’t have them yet but this is something that I am going to work on -need time)" "1 hybrid car loan with $13,052.60 left at 6.2% interest rate" Forget investing for the time being,rein in the spending,T...
by Toons
Wed Aug 20, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Please critique my portfolio - suggestions welcome
Replies: 5
Views: 351

Re: How to weather market downturn with a high chance of lay

"I think I'm okay with 100% stock since I'm so young." Do you think?Or do you know?Have you experienced a severe prolonged bear market yet,where you assets slowly lose value day after day ,month after month? Take a quick risk assessment profile with Vanguard :happy https://personal.vanguar...
by Toons
Wed Aug 20, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: How to weather market downturn with a high chance of layoff
Replies: 25
Views: 1214

Re: How to best pay for a second home?

Hmmmm,,,Age 71,69 ,who needs a mortgage?Less is More
I would sell ,pay cash move to Arizona.
But if you want to keep the Cape Cod,then trust your "Gut" and take the mortgage out on the Cape Cod :happy
by Toons
Wed Aug 20, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay for a second home?
Replies: 8
Views: 609

Re: How to weather market downturn with a high chance of lay

Proper Asset Allocation and Invest accordingly,regardless of where the economy is.
Timing is impossible on a consistent basis.
Save and invest consistently.Don't know if you are in the accumulation stage or not but if you are keep as little as possible in CDs and savings accounts.
by Toons
Wed Aug 20, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: How to weather market downturn with a high chance of layoff
Replies: 25
Views: 1214

Re: Unlimited cell plans dropping in price?

Straight Talk -45.00 "unlimited" :happy "*30 day Unlimited Plans include 3GB of high speed data per 30 day cycle. After 3GB, your data speed will be reduced for the remainder of the 30 day cycle. High speed data is restored once a new 30 day service plan is added." How much web ...
by Toons
Wed Aug 20, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 22
Views: 1533

Re: Which Vanguard BOND Fund ?

"but I don't want to be chasing the higher returns (like people do with stock funds)."

Sit tight with your current investment,Until YOU are comfortable making the changes on your own,That is the right time. :happy
by Toons
Wed Aug 20, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard BOND Fund ?
Replies: 13
Views: 1068

Re: Driving Trip Planning

Google Maps,Use phone app,Gps info ,search for lodging while on the road,call around ,rate shop. :happy
by Toons
Wed Aug 20, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 40
Views: 909

Re: Why only stocks in a taxable account at retirement?

While I, like many others, also mix some bonds in taxable, I think the real premise that needs to be challenged is withdrawals from taxable, tax deferred and Roth in that order. dh states: The rigid strategy of taxable, followed by IRA, followed by Roth seems to not use those lower tax brackets ver...
by Toons
Wed Aug 20, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 24
Views: 1384

Re: Unlimited cell plans dropping in price?

Straight Talk -45.00 "unlimited" :happy

"*30 day Unlimited Plans include 3GB of high speed data per 30 day cycle. After 3GB, your data speed will be reduced for the remainder of the 30 day cycle. High speed data is restored once a new 30 day service plan is added."
by Toons
Wed Aug 20, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 22
Views: 1533

Re: Best way to control someones account.

I handled all my Mothers accounts for years once I set myself up as durable power of attorney.

FYI :happy

http://www.nolo.com/legal-encyclopedia/ ... 29936.html
by Toons
Wed Aug 20, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to control someones account.
Replies: 21
Views: 1257

Re: Why only stocks in a taxable account at retirement?

I have stocks,taxable bonds,tax exempt bonds,growth funds,growth&income funds in taxable account. :happy
by Toons
Wed Aug 20, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 24
Views: 1384

Re: [live off dividends?] How the rich stay/get richer??

As an early retiree the last 6 years, I have been living off dividends. Most of my bond fund dividends are used to pay my bills but excess bond fund dividends get reinvested. My stock fund dividends get reinvested as do any cap gain distributions from all my funds. I also have unrealized cap gains ...
by Toons
Wed Aug 20, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4554

Re: Unlimited cell plans dropping in price?

Barefootgirl wrote:For the area I live in, it appears I need to look to the nationwide carriers in order to obtain good service.

I just saw a Sprint ad for $50/mo for unlimited talk and text, this is about half of what I am paying now to T Mobile.

Anyone happy with Sprint? Thank you, BFG



Contract?
by Toons
Wed Aug 20, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 22
Views: 1533

Re: To be truly rich, take stock of your life before investi

"So Why Bother Too Invest?"
Well speaking for myself,it was to eventually put my spouse and myself in a position where we could choose to do want we wanted to do with "our time". :happy
by Toons
Wed Aug 20, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 20
Views: 1953

Re: Retiree Poll: Do you do any volunteer work?

Yes ,computer related volunteer work. :happy
by Toons
Wed Aug 20, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you do any volunteer work?
Replies: 13
Views: 818

Re: Do we plunder our retirement to pay off student debt?

Short and to the Point ,YES
Get rid of these with laser like focus -30k at 6.8%, 9k at 5.9% :moneybag
by Toons
Wed Aug 20, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Do we plunder our retirement to pay off student debt?
Replies: 25
Views: 1464

Re: Convincing fears on investing for now?

pulcinella wrote:"The stock market is a giant distraction to the business of investing." - Jack Bogle

Indeed!


Perfect! :happy
by Toons
Wed Aug 20, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Convincing fears on investing for now?
Replies: 34
Views: 2978

Re: Reducing time spent paying bills

My current(recurring) bills:
Insurance(home,health,auto)
Utilities(electric,water)
Netflix
Cellphones
Quarterly taxes
Amazon Credit Card :happy
I use Quicken

All of the above are debited from bank account automatically,no need to "think" about them.No paper necessary.
by Toons
Wed Aug 20, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Reducing time spent paying bills
Replies: 22
Views: 1357

Re: Choosing Bond Component for Portfolio

Ditto on Vanguard Intermediate Term Tax Exempt. :happy
by Toons
Wed Aug 20, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing Bond Component for Portfolio
Replies: 4
Views: 371

Re: Roth IRA Question

Go ahead and focus on eliminating the debt along with your investing plans :happy
by Toons
Tue Aug 19, 2014 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Question
Replies: 7
Views: 434

Re: How the rich stay/get richer??

Yes, that's one way of looking at it. I have several relatives who started investing in the equities markets back in the 1950's, they reinvested their dividends back into buying more stock which were all dividend-paying. I could say they have a closet S&P 500 index fund, they own that many if n...
by Toons
Tue Aug 19, 2014 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4554

Re: 20 Year Old With 70k to Invest

Thanks for all this info. I have one more question, it might be stupid. But let's just say my funds are heading downward. Is it ever smart to sell before it gets lower and then buy it all back once it hits rock bottom? or will it happen so fast that I won't even have the chance. Mutual funds are de...
by Toons
Tue Aug 19, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2287

Re: New Investor!! Did I make a mistake?

What percentage of the STAR fund is invested in equities? From Vanguard " This balanced fund is invested 60% in stocks and 40% in bonds . It offers investors exposure to eleven underlying actively managed Vanguard funds—including domestic and international stock funds and U.S. bond funds—each ...
by Toons
Tue Aug 19, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1500

Re: 100% lifestrategy - good idea for a hands-off investor?

None that I can see at all,I have held it for many years in a 401k.Balanced Index Fund low costs,whats not to like.
by Toons
Tue Aug 19, 2014 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3181

Re: New Investor!! Did I make a mistake?

I wouldn't consider it a mistake.A learning experience you might call it.Yes it is a taxable event,,,read the link to give you a complete understanding :happy "Short- and long-term capital gains: Selling mutual fund shares for a profit in a taxable account means you have experienced a taxable c...
by Toons
Tue Aug 19, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1500

Re: 20 Year Old With 70k to Invest

Alright, some of you guys are convincing me to go with the life growth fund instead because of the balance of bonds and international stocks. This means it's a bit less risky? Also the market seems to be at an all time high, is this a bad time to dump all 70k in? Or dump maybe half of it and wait t...
by Toons
Tue Aug 19, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2287

Re: Mississippi wins!

Not to ruffle any feathers,,,just sayin: :happy "With the highest overall poverty rate in the country, at 28%, it's not surprising that Mississippi ranks dead last — a spot it's held for a decade — in the healthy-state race" http://healthland.time.com/2011/12/12/healthiest-u-s-states-ranke...
by Toons
Tue Aug 19, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1816

Re: About to Order my first Mini Cooper S

Volcanic Orange /white stripes/white top :happy

http://www.miniusa.com/content/miniusa/ ... rdtop.html
by Toons
Tue Aug 19, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1090

Re: Wash D.C. speed camera - how accurate?

Pay the fine move on. :happy
by Toons
Tue Aug 19, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 29
Views: 1575

Re: Close to retirement(6years) - want to maximize investmen

Just a quick observation from here: "My house is paid off- no mortgage, no car payment,I currently have 1,082,554 in my 401K"Those 2 statements coupled together tell me you have No problem managing money and haven't for many years.As was mentioned in another post ,keep accurate records as ...
by Toons
Tue Aug 19, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to retirement(6years) - want to maximize investments
Replies: 12
Views: 1115

Re: gifting money, and smoking

Anyone with experience on what works? Nicotine patch? E cigs of specific varieties or flavors? Yes ,Desire,Willpower,.Its tough but what isn't in life that is worthwhile. Sometimes a "catalyst" will shock one into quitting. My next door neighbor,,52 years young ,heavy smoker all his life,...
by Toons
Tue Aug 19, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 29
Views: 1729

Re: Convincing fears on investing for now?

Volatility is an inherent part of the markets,which is a good thing.Accept it. :happy
by Toons
Tue Aug 19, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convincing fears on investing for now?
Replies: 34
Views: 2978

Re: POLL: Age for Collecting Social Security Benefits

62 :happy 3rd Wednesday of every month,,,which is tomorrow :sharebeer :moneybag
by Toons
Tue Aug 19, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 60
Views: 3094

Re: Dell computer warranty upgrades

Toons wrote:No.Computers are a commodity these days,,,five years out ,ditch it get another one,they are several hundred dollars now,who knows what they will be in 5 years,,just sayin :happy
by Toons
Tue Aug 19, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Dell computer warranty upgrades
Replies: 5
Views: 320

Re: Dell computer warranty upgrades

Computers are a commodity these days,,,five years out ,ditch it get another one,they are several hundred dollars now,who knows what they will be in 5 years,,just sayin :happy
by Toons
Tue Aug 19, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Dell computer warranty upgrades
Replies: 5
Views: 320

Re: Rebalancing After a Correction

dickenjb wrote:Too little equity exposure for my tastes and yes your recent actions smell of market timing.

But if it makes you happy....



+1 Market timing is tough,,,,Stay the course
by Toons
Tue Aug 19, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing After a Correction
Replies: 13
Views: 1113

Re: So am I a terrible father? [inheritance question]

There are a number of books about wealth and happiness. The research suggests that after reaching a certain level of income, additional income does not equate with a concomitant increase in happiness. I would do what I could to help relieve my daughter of her most basic money worries so that she co...
by Toons
Tue Aug 19, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: So am I a terrible father? [inheritance question]
Replies: 30
Views: 3810

Re: When to put money into bond fund rather than home princi

A lot of factors come into play as was mentioned,but personally I would concentrate on paying off the mortgage,that debt free feeling is liberating :happy
by Toons
Tue Aug 19, 2014 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: When to put money into bond fund rather than home principal
Replies: 8
Views: 764

Re: Closest index to VTSAX?

From the Vanguard website: "Vanguard Total Stock Market Index Fund seeks to track the investment performance of the CRSP US Total Market Index, which represents approximately 100% of the investable U.S. stock market and includes large-, mid-, small-, and micro-cap stocks regularly traded on th...
by Toons
Mon Aug 18, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Closest index to VTSAX?
Replies: 16
Views: 738

Re: Your biggest "Missed Money" event that still kills you?

Can't really think of any missed money events. :happy
by Toons
Mon Aug 18, 2014 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 80
Views: 5583

Re: Simplisafe Home Security Systems

Read the Amazon reviews,,looks like a LOT of satisfied customers. :happy

http://www.amazon.com/Simplisafe2-Wirel ... merReviews
by Toons
Mon Aug 18, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 29
Views: 1588

Re: Thoughts on USAA?

USAA excellent :happy
by Toons
Mon Aug 18, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on USAA?
Replies: 24
Views: 1822
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