Search found 6251 matches

by Toons
Sat Jul 04, 2015 3:18 pm
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 38
Views: 2653

Re: Eating Out

1. Am I wrong to say "screw it" if i want to dine out with my fiancé and friends I'm going to? 2. I can afford them, it's not a financials isue. It's more of a moral issue/wasteful spending concern matter. 1.No 2.It appears your "brain" is telling you there is a moral issue with ...
by Toons
Sat Jul 04, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing money from my 401k
Replies: 12
Views: 601

Re: Borrowing money from my 401k

You are asking me "What Would I Do?" I would examine my monthly expenses. Set up a Strict budget. Stick to the budget. Save ,save.save . Apply all I could to the outstanding debt. Until it was paid off. I would not borrow from the 401k plan. Been there ,done that. Never borrowed from 401k....
by Toons
Sat Jul 04, 2015 3:01 pm
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 42
Views: 2533

Re: Aren't we obsessing way too much about our portfolios?

Louis Winthorpe III wrote:Life Strategy and Target Retirement funds are your friend.



+1 :happy
by Toons
Sat Jul 04, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 41
Views: 3094

Re: What age did you become debt free and what opportunities did it create?

Being debt free allows one to do with their time what they wish. :happy Perhaps, but it's really total cash flow that matters. I had a modest HELOC balance (re-fied mortgage) going into retirement two years ago. I could mostly pay it off now, but then I wouldn't have my new vehicle fund anymore. :(...
by Toons
Sat Jul 04, 2015 2:51 pm
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 42
Views: 2533

Re: Aren't we obsessing way too much about our portfolios?

The portfolio has gradually become less and less important the last 7-10 years or so. I have no desire to try and "outperform" the market.It is what it is.The market will do what it wants.I will accept what it offers. I am 70/30 stock bond,(reduced to that from 90/10 for 25 years.) If I ha...
by Toons
Fri Jul 03, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Three devices = redundancy
Replies: 36
Views: 3986

Re: Three devices = redundancy

I Use em all: :happy
1.Android Smartphone
2,Chromebook
3.Windows laptop
4.Android tablet
5.Itouch
by Toons
Fri Jul 03, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 41
Views: 3094

Re: What age did you become debt free and what opportunities did it create?

Being debt free allows one to do with their time what they wish. :happy
by Toons
Fri Jul 03, 2015 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 32
Views: 2727

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

" But once the economy gets a correction, he said active funds won't take such a great hit as passive funds. "

What in the world does that mean :shock:
by Toons
Fri Jul 03, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 2735

Re: Buying a new desktop computer

What's the best way to buy a new, basic desktop computer. I don't have exotic needs....web surfing, document prep, paying bills. I've had success in the past of buying a Dell online. Of course, am looking for a good deal. :happy Thanks Here you go,,,,should do just fine for your needs...149.00 :hap...
by Toons
Wed Jul 01, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: international rbd [Really Bad Day]
Replies: 18
Views: 1246

Re: international rbd

RBD?When did this happen :happy
by Toons
Wed Jul 01, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: Will you pay to not have ads?
Replies: 35
Views: 2295

Re: Will you pay to not have ads?

Not going to pay for free tv.
I can find all I want on Youtube,old tv epsiodes. :happy
by Toons
Wed Jul 01, 2015 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard v.s. Betterment
Replies: 28
Views: 2749

Re: Vanguard v.s. Betterment

"A 0.35% fee is added onto any account with a investment balance under $10,000. Once you have invested $10,000, they decrease the annual fee to 0.25%. At $100,000 or more invested, the fee lowers to 0.15%"

I will stick with Vanguard :happy
by Toons
Wed Jul 01, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 125
Views: 6134

Re: Obsessing towards zero balance on credit card.

I charge almost everything to my cashback credit card.
Once a week I just pay off the balance,easy. :happy
by Toons
Tue Jun 30, 2015 5:09 am
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 47
Views: 3674

Re: can you recommend comfortable walking shoes?

Crocs ,or Merrell Shoes work for me :happy
by Toons
Tue Jun 30, 2015 5:06 am
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 15951

Re: Do you buy used cars like a Boglehead actually should?

I used to but ,now that retired and having saved and invested for decades I buy New :happy
by Toons
Mon Jun 29, 2015 5:01 pm
Forum: Investing - Theory, News & General
Topic: "Target Date Funds Are Riskier Than You Think"
Replies: 45
Views: 5891

Re: Target Date Funds ?

Thoughts? tech_arch: After reading the article and links, my "thoughts" is that Mr. Ritter needed something to write about. In my opinion, a suitable Vanguard low-cost Target Date Fund (12 choices) in a tax-advantaged account is a superior way to invest. Target Funds are designed by Vangu...
by Toons
Mon Jun 29, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 33
Views: 4194

Re: Amazon getting too smart?

To anwer your question,
Amazon is brilliant ,due to the people it hires,check out what it takes to get a job with them :happy

http://www.wsj.com/articles/SB100014240 ... 3045398344
by Toons
Mon Jun 29, 2015 4:56 pm
Forum: Investing - Theory, News & General
Topic: IRA contributions for partial year
Replies: 7
Views: 610

Re: IRA contributions for partial year

If a person retires May 1st and has no further earned income, how is the maximum allowable IRA contribution calculated for that year? Is it $6500 / 12 = x 3 months or something else? Many thanks. The IRA contribution limit is not prorated when working part of a year. In order to be eligible for $65...
by Toons
Mon Jun 29, 2015 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4471

Re: are these legit Vanguard reviews?

Ignore those reviews :happy
by Toons
Mon Jun 29, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellington Fund
Replies: 26
Views: 2968

Re: Vanguard Wellington Fund

Invest in Wellington and Index funds :happy
by Toons
Mon Jun 29, 2015 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: No gain in 9 months of investment
Replies: 23
Views: 4360

Re: No gain in 9 months of investment

When investing,think in terms of 10 year increments,no shorter,you will do yourself a huge favor. :happy
by Toons
Mon Jun 29, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4228

Re: Smart phone data usage

My question is how can I estimate how much data I might use? Is it based on minutes or hours of time spent or some other metric? It's based on data used. There are estimating tools out there that you can try but your best bet is to use it as you intend to use it and monitor your usage. fyi: Data Ca...
by Toons
Sun Jun 28, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9034

Re: dow futures down 200+ points

A little over 1%?
Lets have a day like Oct.87.....22% down.
Great Opportunity :happy
by Toons
Sat Jun 27, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6033

Re: Bogleheads are more aggressive...

"more accepting of volatility, understanding of the long term benefits of equity ownership, and willing to tolerate short term losses than average investors" +1 Volatility is an INHERENT part of investing,be thankful for it and accept it . That is how wealth is created during bear markets...
by Toons
Sat Jun 27, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4228

Re: Smart phone data usage

Straight Talk LG phone here. I stream pandora music a LOT everyday via bluetooth at home and in the car. Added to that I use it for web browsing,email,gps,,etc ,but rarely watch video. I just checked my data usage on the phone for the last 28 days. 1.06 gigabyte. I have never reached the 3 gig limit...
by Toons
Fri Jun 26, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Google Map: How To See Traffic Far Away
Replies: 25
Views: 1980

Re: Google Map: How To See Traffic Far Away

"So how does Google know what traffic is like on the roads, nearly all the time? From our smartphones, of course. Whether you like it or not, “telephone companies have always known where your phone is ,” Dobson says, because cell phone companies need to use location to appropriately charge cust...
by Toons
Thu Jun 25, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $200,000.
Replies: 7
Views: 1968

Re: What to do with $200,000.

I use Google Books a lot to research topics.
You may not get the complete book but there is much to learn from what is offered.
And best of all.........
"Find millions of great books you can preview or read for FREE. :happy

https://books.google.com/
by Toons
Thu Jun 25, 2015 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: tap IRA to pay off CC debt?
Replies: 31
Views: 3159

Re: tap IRA to pay off CC debt?

Forget tapping the IRA,just reduce your spending save more and pay it off,, :happy
by Toons
Thu Jun 25, 2015 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Personal accounting software
Replies: 23
Views: 2933

Re: Personal accounting software

Quicken for 25 years here,it has been invaluable to say the least,2015 Deluxe,Picked it up for 30.00 on sale in January,Amazon :happy
by Toons
Tue Jun 23, 2015 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Holding a LifeStrategy Fund in a Taxable Account
Replies: 18
Views: 1904

Re: Holding a LifeStrategy Fund in a Taxable Account

I own Lifestrategy Conservative Growth in a Taxable accout ,35% qualified dividends last year,it is what it is,fits my risk profile,I take the dividends and cap gain in cash and spend it.(retired now its time to spend)No complaints,Could be better could be worse,I quit letting the tax tail wag the d...
by Toons
Tue Jun 23, 2015 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 46
Views: 4291

Re: Portfolio suggestion for toddler

Grt2bOutdoors wrote:Start with Star fund until you get to $3k minimum investment - then use Vanguard Total Stock Market Index.


+1 :happy
by Toons
Tue Jun 23, 2015 1:48 pm
Forum: Investing - Theory, News & General
Topic: Why tilt to bonds in retirement?
Replies: 29
Views: 3919

Re: Why tilt bonds in retirement?

Retired here,75/25 Equity ,bond :happy
by Toons
Tue Jun 23, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 20152

Re: What was the 2008 crash like in real time?

Yes I stuck to my strategy of accumulating more shares of equity funds as markets trended down and equity allocation was shrinking. :happy
by Toons
Tue Jun 23, 2015 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 4456

Re: Best Advice

InvestorNewb wrote:
livesoft wrote:Save and invest half your before-tax income from age 16 to retirement.

Like anyone can seriously do this...not without mooching off somebody else or living in a cardboard box.


+1
LOL :D
by Toons
Tue Jun 23, 2015 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 4456

Re: Best Advice [Best single piece of advice to give a new investor]

Live Beneath Your Means,for decades,Invest consistently in low cost index funds,and REMAIN CALM and Patient through bull and bear markets. :happy
by Toons
Tue Jun 23, 2015 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Response from advisor on fees - yikes!!!
Replies: 4
Views: 1332

Re: Response from advisor on fees - yikes!!!

What's done is done,move forward :happy
by Toons
Mon Jun 22, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Use Roth IRA to remodel house?
Replies: 18
Views: 2030

Re: Use Roth IRA to remodel house?

"Is it stupid to use the Roth IRA to remodel the house and limit future retirement savings to the TSP?" I am not going to say it is "stupid",maybe not the wisest choice to make though. Continue to take full advantage of all the tax free and tax deferred compounding you can that ...
by Toons
Mon Jun 22, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: shopping for insurance
Replies: 13
Views: 1444

Re: shopping for insurance

"What is the best way to shop for insurance?" Well ,speaking for myself I went to the Geico website quite a few years back and entered some data and received a quote almost immediately for my auto insurance.You can do the same with many other insurance carriers. Showed the quote to my Sta...
by Toons
Mon Jun 22, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: No bonds?? All Equity portfolio in 20s
Replies: 74
Views: 8359

Re: No bonds?? All Equity portfolio in 20s

Twenties and Thirties,,,all equity....Just keep investing and hang on for the rollercoaster ride.
Remember,the strongest organ when it comes to investing is the gut not the brain.
You will be rewarded if you stay the course and let others panic when there is blood in the street. :happy
by Toons
Sun Jun 21, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: Need to replace refrigerator, buying advice?
Replies: 7
Views: 917

Re: Need to replace refrigerator, buying advice?

canderson wrote:
Toons wrote:This prior thread may give you some insight :happy

viewtopic.php?t=133168

Search never brought that up (or I never saw it somehow). Thank you!



:thumbsup
by Toons
Sun Jun 21, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: Need to replace refrigerator, buying advice?
Replies: 7
Views: 917

Re: Need to replace refrigerator, buying advice?

This prior thread may give you some insight :happy

viewtopic.php?t=133168
by Toons
Sun Jun 21, 2015 4:08 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 13495

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

I am a Boglehead,I own low cost index funds. :happy
I am not a Boglehead,I own Front load managed funds. :happy
by Toons
Sun Jun 21, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 20291

Re: When saving money becomes an irrational obsession

I think we see more than one of these here on BH. Like the person that has pensions and SS covering 100% of their yearly expenses AND has a 7-figure portfolio to boot and is worried if they can retire. So frugal in their life time and they will be the richest guys in the graveyard. :shock: +1 :happy
by Toons
Sun Jun 21, 2015 8:46 am
Forum: Personal Finance (Not Investing)
Topic: One-Two Punch for my credit card game
Replies: 62
Views: 7682

Re: One-Two Punch for my credit card game

And Dave Ramsey says he never met anyone that got rich from their cc rewards! Mike +1 The game is just too much hassle for me...and I dare say it will compel me to probably spend more than I want to on the credit cards so as to meet the requirements for the bonuses. I'll take a pass too +2 Couldn't...

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