Search found 8025 matches

by Toons
Sat Feb 06, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: Case for Bull Market Next 15-20 Years
Replies: 10
Views: 1164

Re: Case for Bull Market Next 15-20 Years

"Enjoy the ride, because it’s going to be a long one"

Best sentence in the article :happy
by Toons
Sat Feb 06, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Do you download software or use a DVD drive?
Replies: 12
Views: 285

Re: Do you download software or use a DVD drive?

I haven't used a cd for software installation in years. I download everything. The most recent download was Quicken 2016. 4 Windows based computers :happy I haven't used a CD in years either. Does the Quicken license allow use on multiple devices or did you have to buy a license for each computer? ...
by Toons
Sat Feb 06, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 15
Views: 1153

Re: Forced to sell a an expensive vehicle at the wrong time how to handle???

Ditto on using Ebay.
I have a family member that buys and sells successfully with Ebay :happy
by Toons
Sat Feb 06, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: I'm dying with this portfolio
Replies: 4
Views: 594

Re: I'm dying with this portfolio

Smooth Sailing :happy
by Toons
Sat Feb 06, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Do you download software or use a DVD drive?
Replies: 12
Views: 285

Re: Do you download software or use a DVD drive?

I haven't used a cd for software installation in years.
I download everything.
The most recent download was Quicken 2016.
4 Windows based computers :happy
by Toons
Sat Feb 06, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 30
Views: 1643

Re: The Gravy Train Departed?

Invest for life.
Keep It Simple :happy
by Toons
Sat Feb 06, 2016 9:21 am
Forum: Investing - Theory, News & General
Topic: What is Your Bond Allocation & Location
Replies: 38
Views: 3656

Re: What is Your Bond Allocation & Location

30%
Short Term Investment Grade
Total Bond
Intermediate Term Tax Exempt
:happy
by Toons
Sat Feb 06, 2016 9:19 am
Forum: Investing - Theory, News & General
Topic: Bogleheads investment philosophy at huge risk?
Replies: 28
Views: 2562

Re: Bogleheads investment philosophy at huge risk?

Doom and Gloom?
Great.
Buy Index Funds. :happy
by Toons
Fri Feb 05, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off investment mortgage
Replies: 4
Views: 455

Re: Paying off investment mortgage

pay off the mortgage?

:thumbsup :thumbsup
by Toons
Fri Feb 05, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 14
Views: 841

Re: $50 Amazon tablet

I would use an inexpensive phone if I wanted to look at some tickers. :happy
by Toons
Fri Feb 05, 2016 7:12 pm
Forum: Investing - Theory, News & General
Topic: "Picking Individual Stocks is a Loser's Game"
Replies: 21
Views: 1712

Re: "Picking Individual Stocks is a Loser's Game"

I have no problem with holding individual securities as a small portion of a portfolio, comprised of mainly mutual funds. :happy
by Toons
Fri Feb 05, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Are expected returns higher
Replies: 19
Views: 978

Re: Are expected returns higher

I see 4.3 % :happy
by Toons
Fri Feb 05, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 28
Views: 2937

Re: Today's dumbest investment advice

Go figure,,,,,,
Pass :happy
by Toons
Fri Feb 05, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 10 years to Retirement, Roth IRA?
Replies: 5
Views: 612

Re: 10 years to Retirement, Roth IRA?

Our insurance agent has suggested deferred annuities, but I'm thinking this is more a product he wants to sell.


Without a doubt.
Go with Vanguard Lifestrategy or Target Retirement Fund :happy
FYI
https://investor.vanguard.com/ira/choos ... ?WT.srch=1

:happy
by Toons
Fri Feb 05, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Account
Replies: 12
Views: 492

Re: UTMA Account

I opened an UTMA for my son. The money was his when I opened it. He was 5 years old. I was the custodian. At age 21,age of majority in NY where I was living, I transferred the account to him :happy "Under the rules of UGMA or UTMA, an account is created by an adult (the “donor”) on behalf of a ...
by Toons
Fri Feb 05, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 39
Views: 2476

Re: Advice for parents with Perfectionist Child?

Teach them that....
Experience is applied failure :happy
by Toons
Fri Feb 05, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Tilting towards oil
Replies: 18
Views: 1081

Re: Tilting towards oil

by Toons
Fri Feb 05, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Payoff debt with Roth?
Replies: 19
Views: 666

Re: Payoff debt with Roth?

Not enough info.
Pulling money from Roth should be for and "Emergency".
Debt to me doesn't qualify as an emergency.
Focus intensely on the debt ,save money and pay it off. :happy
by Toons
Fri Feb 05, 2016 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Maxing out then quickly paying off credit cards?
Replies: 18
Views: 1091

Re: Maxing out then quickly paying off credit cards?

400 dollars.
I don't see why not as long as you pay it off ASAP :happy
by Toons
Fri Feb 05, 2016 6:44 am
Forum: Personal Finance (Not Investing)
Topic: What growth rate would you use?
Replies: 57
Views: 2352

Re: What growth rate would you use?

60/40 Portfolio
Next 10yrs
4.3% :happy .
by Toons
Thu Feb 04, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund/Roth IRA
Replies: 6
Views: 302

Re: Emergency Fund/Roth IRA

" If you had a Roth IRA with only $3300.00 in it, and an Emergency Fund of 6 months that was 75% funded would you sell off the Roth to fund the EF? " No I would not sell the fund off. Roth IRA is a vehicle that will grow your capital Tax FREE for years to come if you just keep funding it.T...
by Toons
Thu Feb 04, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 59
Views: 4466

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

I just counted ,,,,36 led bulbs in the house,,,,,whoops , forgot 2 outside 38. :happy I gradually switched over all the bulbs in the house,,chandelier lights included. I purchase Walmart Brand,lowes and Ge. The prices are dropping fast. Yes I am leaving lights on longer and I have noticed less elect...
by Toons
Thu Feb 04, 2016 6:29 pm
Forum: Investing - Theory, News & General
Topic: "Maybe You Should Sell Some Stocks"
Replies: 6
Views: 1330

Re: "Maybe You Should Sell Some Stocks"

tennisplyr wrote:I've been saving/investing for the past 25 years. If it were not for that, especially 401k investing, I'd still be working. Instead I am currently snowbirding on the Suncoast of Florida. Stay the course no matter what! It will all work out in the end.


+1
Bingo :happy :happy
by Toons
Thu Feb 04, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 58
Views: 3694

Re: If SS covers expenses why invest?

You never now what the future holds...
The best laid plans of mice and men,,,
If nothing else ,
legacy for family or any worthwhile cause :happy
by Toons
Thu Feb 04, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: Why is this Bear wrong?
Replies: 12
Views: 1151

Re: Why is this Bear wrong?

More noise. For close to 40 years now I have countless "pundits","crystal ball forecasters",predict doom and gloom. There was even the "Death of Equities years ago",when the Dow was around 700. The more doom and gloom and downward trend,,the better.Depressed prices. Hav...
by Toons
Thu Feb 04, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: [Am I getting a bad deal from my financial planner?]
Replies: 58
Views: 3883

Re: Am I getting screwed?

Broker sold funds. Whole Life Insurance. A big slice of the pie is going in someone else's pocket. Term Insurance and No Load Mutual funds would be to your advantage The recent downtrend in the market is reflected in your balances. I am sure many more detailed replies are on the way from this forum....
by Toons
Thu Feb 04, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance says rock chip repair will not count as a claim on insurance?
Replies: 8
Views: 539

Re: Insurance says rock chip repair will not count as a claim on insurance?

FYI Rock Chip https://www.infinityauto.com/knowledge-center/understand-insurance/does-my-auto-insurance-policy-cover-cracked-windshield About 5 years ago rock cracked my Honda windshield. I called Geico on the road They said stop get an estimate and have repair company call, The shop called while I ...
by Toons
Thu Feb 04, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: SEC proposed regulations can affect index funds
Replies: 21
Views: 1118

Re: "Mutual Funds Are Risky"

telemark wrote:Cars will always be dangerous, so why not get rid of air bags and seat belts and antilock brakes and all that annoying stuff and just tell customers to be careful?


+3
I like that common sense analogy :sharebeer
by Toons
Thu Feb 04, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 15
Views: 1473

Re: How to behave on a RGD (Really Good Day)?

Give a surprise gift to Someone Special :happy :mrgreen: I must say I did not expect that reply :beer. Although a good thought, my IPS does not allow me to pull out money for short term expenses/luxuries from the long-term portfolio. I have a separate short-term allocation for that. Ok,,,pull the m...
by Toons
Thu Feb 04, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 15
Views: 1473

Re: How to behave on a RGD (Really Good Day)?

Give a surprise gift to Someone Special :happy
by Toons
Thu Feb 04, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Chicken rub
Replies: 22
Views: 1228

Re: Chicken rub

packet wrote:
Toons wrote:I am a fan of Lawry's ...

Uncanny.

You posted that at the same moment I was clicking the purchase button on Amazon... just to try it out.

:beerCheers,
packet



Great Minds think alike,,lol
:sharebeer
by Toons
Thu Feb 04, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Extra Cash - Need Opinions
Replies: 14
Views: 658

Re: Extra Cash - Need Opinions

If you plan on keeping the vehicle implement plan A
Otherwise implement Plan B :happy
Keep It Simple :happy
by Toons
Thu Feb 04, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: 45% of Income On Rent
Replies: 39
Views: 2577

Re: 45% of Income On Rent

45% is too high.
Roommate :happy
by Toons
Thu Feb 04, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Chicken rub
Replies: 22
Views: 1228

Re: Chicken rub

I am a fan of Lawry's Perfect Blend Chicken Rub :happy

http://www.amazon.com/Lawrys-Perfect-Bl ... hicken+rub
by Toons
Thu Feb 04, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund - paper check or direct deposit?
Replies: 13
Views: 741

Re: Tax refund - paper check or direct deposit?

I don't know about security.
I have used direct deposit and direct debit for refunds and tax owed,,,,,for
as many years as I can recall.
It is fast ,efficient.No paper.
Works for me :happy
by Toons
Thu Feb 04, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 87
Views: 4039

Re: Sibling's destination wedding?

I probably wouldn't attend.
I recall my niece getting married many years ago and My family was expected to travel and pay for hotel rooms.
We decided not to.
At the time it caused quite a bit of "family noise".
With the passage of time,,,,it has been long forgotten, :happy
by Toons
Thu Feb 04, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: I'm not sure if a new credit card will hurt or help me?
Replies: 18
Views: 797

Re: I'm not sure if a new credit card will hurt or help me?

It is not about the cards, It is more about your behavior. Once you manage the way you spend money,,,,, that means not spending what you don't have, you will see thing become more "under control". I suggest rather than adding another credit card, you find a way to eliminate credit cards , ...
by Toons
Thu Feb 04, 2016 6:23 am
Forum: Investing - Help with Personal Investments
Topic: USD/EUR cost averaging of ETFs from the EU
Replies: 15
Views: 942

Re: dollar cost averaging of ETFs

Since you are just starting out,
Go ahead and set up a Dollar Cost Average method.
Have it set up automatic so there is NO emotion involved in the investing equation. :happy
by Toons
Thu Feb 04, 2016 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Sweep Account
Replies: 3
Views: 546

Re: Sweep Account

Nothing to be concerned about,
Your money is Insured,
And safe. :happy
by Toons
Thu Feb 04, 2016 5:44 am
Forum: Personal Finance (Not Investing)
Topic: How to get a 200k+/year job?
Replies: 105
Views: 9165

Re: How to get a 200k+/year job?

It is certainly no guarantee,
as the world is full of educated derelicts,
but an education(extended),combined with extraordinary,
Hard Work,
certainly would help,
for starters :happy
by Toons
Thu Feb 04, 2016 5:40 am
Forum: Personal Consumer Issues
Topic: Best Tips for Packing & Moving?
Replies: 14
Views: 1127

Re: Best Tips for Packing & Moving?

Our last move,
We downsized,
We donated a lot of everything.
It made the transition a smooth one :happy
by Toons
Wed Feb 03, 2016 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: ETF regret
Replies: 26
Views: 2280

Re: ETF regret

Wait a minute. Who looks at the price after the shares have been purchased? Don't you just record the transaction and then log off? There's no regret if you don't look. And aren't we all long-term investors? :idea: +3 :happy Who in the world looks at mutual fund NAV prices after the purchase is mad...
by Toons
Wed Feb 03, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody budget for daycare like it is college?
Replies: 54
Views: 3236

Re: Anybody budget for daycare like it is college?

Have you price out how much that costs?:) Is it possible? :happy It's funny -- I think this is the dilemma of high five figure salary. I know plenty of people who have a parent with a lower income and the decision is simple, not worth it for the extra cash or won't even break even. Then there are t...

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