Search found 10547 matches

by Toons
Wed Aug 24, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Honda maintenance schedule?
Replies: 27
Views: 1366

Re: Honda maintenance schedule?

Take care of your investment,
If you plan on keeping it for years.
Follow recommended service schedule.
Others may say "cherry pick" your services.
Not for me though.
Honda owner here. :happy
by Toons
Wed Aug 24, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Get a mortgage even if not needed?
Replies: 41
Views: 3486

Re: Get a mortgage even if not needed?

I don't know if it is pro or con.
I paid cash for the house I am in now.
Best Move for ME,
In hindsight,,,
would do it again in a heartbeat
:mrgreen:
by Toons
Wed Aug 24, 2016 5:32 am
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 92
Views: 4566

Re: How do you view debt?

A Corrosive Ball And Chain,,,,,
That for some reason seems to get heavier,,
As you Drag It Through Life.
Cut.,,the chain.
Liberate Yourself
:mrgreen: :mrgreen:
by Toons
Tue Aug 23, 2016 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Did you use Real Estate to build wealth?
Replies: 45
Views: 3216

Re: Did you use Real Estate to build wealth?

Nope.
No hammers ,nails and headaches.
I used the equity markets.
I put the money to work in equities early on and consistently.
The dollars "work" 24/7 and so does
Compounding

:mrgreen: :mrgreen:
by Toons
Tue Aug 23, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 17
Views: 1121

Re: Are all of these 401k options terrible?

Not At All.
BlackRock,Vanguard ,Dodge&Cox
:thumbsup
by Toons
Tue Aug 23, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Managing AA with target date funds... or not?
Replies: 16
Views: 746

Re: Managing AA with target date funds... or not?

I see nothing wrong with the Target Date idea.
:wink:
by Toons
Mon Aug 22, 2016 9:03 pm
Forum: Investing - Theory, News & General
Topic: The power of investing early VS. Dollar cost averaging
Replies: 29
Views: 2337

Re: The power of investing early VS. Dollar cost averaging

Without a doubt invest as much as you can as early as you can in your life. Time,Time,Time in the market. The more time,,,, The More Magical Compounding will appear,,, Like a Mountain. Eventually you won't need to invest . Compounding will do the "heavy lifting" Time,Not Timing :happy :hap...
by Toons
Mon Aug 22, 2016 5:39 am
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 54
Views: 3528

Re: Recommend Ad Blockers

jlawrence01 wrote:
Toons wrote:Ad blocker
Ad blocker plus

https://adblockplus.org/

:mrgreen: :mrgreen:



Thanks. Installed it on my Chromebook and from then on, no ads on either tablet or phone. It significantly improved my YouTube experience with out paying for YouTube Red.
to


+1
Perfecto :happy
by Toons
Sun Aug 21, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1192

Re: Pay off student loan debt before taking on more debt (house debt)?

35K @ 3.5%
24k @ 3.5%
16K @ 4%
23K @ 5%
154 @ 4.5%


I think you know the answer.
Eliminate it before the house.
Start the house adventure with a" Clean Slate"

:mrgreen:
by Toons
Sun Aug 21, 2016 3:16 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom?
Replies: 13
Views: 1429

Re: Financial Freedom?

Actually my pension alone will cove my bare expenses and when SS kicks in that would just be mad money

I believe you can do it,
Make sure you have factored in health care insurance. :happy
by Toons
Sun Aug 21, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

Toons pay quarterly commissions to sell shares for income?
You must be "jesting" :mrgreen: :mrgreen:
by Toons
Sat Aug 20, 2016 9:17 pm
Forum: Investing - Theory, News & General
Topic: Something better place to park my cash??
Replies: 16
Views: 1971

Re: Something better place to park my cash??

While I was "thinking" about it, I would let it reside in Vanguard Intermediate Tax Exempt Admiral. https://personal.vanguard.com/us/funds/snapshot?FundId=0542&FundIntExt=INT We've got a good chunk in this same fund. An even larger amount is in Vanguard Short-Term Investment Grade Adm...
by Toons
Sat Aug 20, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Am I devastatingly far behind on retirement savings and how can I catch up?!
Replies: 40
Views: 6017

Re: Am I devastatingly far behind on retirement savings and how can I catch up?!

Pay off credit card. Pay cash from now on, Distinguish what you really need and "want",when it comes to spending money. Develop a budget Stick to it . Spend less than you make EVERY month, SAVE,,,,,for without savings , You can't invest in the Total Stock Market. All of the above requires...
by Toons
Sat Aug 20, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Has a SUV helped anyone's back?
Replies: 22
Views: 1322

Re: Has a SUV helped anyone's back?

CRV EXL,,makes my back feel great
Everytime I get in the vehicle and go for a drive,
I comment on it,soft leather contoured :happy
by Toons
Sat Aug 20, 2016 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Am I devastatingly far behind on retirement savings and how can I catch up?!
Replies: 40
Views: 6017

Re: Am I devastatingly far behind on retirement savings and how can I catch up?!

Pay off credit card. Pay cash from now on, Distinguish what you really need and "want",when it comes to spending money. Develop a budget Stick to it . Spend less than you make EVERY month, SAVE,,,,,for without savings , You can't invest in the Total Stock Market. All of the above requires...
by Toons
Sat Aug 20, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Something better place to park my cash??
Replies: 16
Views: 1971

Re: Something better place to park my cash??

While I was "thinking" about it,
I would let it reside in
Vanguard Intermediate Tax Exempt Admiral. :mrgreen:
https://personal.vanguard.com/us/funds/ ... IntExt=INT


:mrgreen:
by Toons
Sat Aug 20, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Am I devastatingly far behind on retirement savings and how can I catch up?!
Replies: 40
Views: 6017

Re: Am I devastatingly far behind on retirement savings and how can I catch up?!

Pay off credit card. Pay cash from now on, Distinguish what you really need and "want",when it comes to spending money. Develop a budget Stick to it . Spend less than you make EVERY month, SAVE,,,,,for without savings , You can't invest in the Total Stock Market. All of the above requires ...
by Toons
Sat Aug 20, 2016 9:21 am
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

"Toons needs to invest less (in his taxable account) in dividend-yielding stocks and more in stocks that appreciate in the form of capital gains. " Such As.... :mrgreen: I'd like to hear the answer to this one. Sure wish I bought MCD in 2002. Plus I'm cool with 3% qualified dividends. If ...
by Toons
Sat Aug 20, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new car?
Replies: 57
Views: 3373

Re: Can I afford a new car?

Pay off your credit card debt first.
:mrgreen:
by Toons
Fri Aug 19, 2016 5:05 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

Yep ,hindsight is 20/20. Regarding my purchase of Mcdonalds in 1990, my analysis went something like this.... "The cars are always lined up at the drive thru windows" "There is a Mcdonalds on every corner" "The cash register is ringing somewhere in the world,while I am slee...
by Toons
Fri Aug 19, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 706561

Re: U.S. stocks in freefall

The "Abyss" Of Opportunity :mrgreen:
by Toons
Fri Aug 19, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 50
Views: 4724

Re: Long wait on Vanguard Phone Lines-What's going on?

michaeljc70 wrote:
Toons wrote:Send an email :happy


I did- 3 days ago and no answer. Unacceptable. You should receive a response in a business day. Otherwise people are just going to call and they obviously can't handle the call volume.


Point Well Taken :happy
by Toons
Fri Aug 19, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

"The cars are always lined up at the drive thru windows" "There is a Mcdonalds on every corner" "The cash register is ringing somewhere in the world,while I am sleeping :happy " "Cheesburgers Cokes and Fries,,,,,you gotta love em, its America. :mrgreen: Plus, I ca...
by Toons
Thu Aug 18, 2016 7:53 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

"Toons needs to invest less (in his taxable account) in dividend-yielding stocks and more in stocks that appreciate in the form of capital gains. " Such As.... :mrgreen: I'd like to hear the answer to this one. Sure wish I bought MCD in 2002. Plus I'm cool with 3% qualified dividends. If ...
by Toons
Thu Aug 18, 2016 3:11 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

Leif wrote:
Toons wrote:"Toons needs to invest less (in his taxable account) in dividend-yielding stocks and more in stocks that appreciate in the form of capital gains."

Such As....
:mrgreen:

I'd like to hear the answer to this one. Sure wish I bought MCD in 2002.


:thumbsup
by Toons
Thu Aug 18, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

"Toons needs to invest less (in his taxable account) in dividend-yielding stocks and more in stocks that appreciate in the form of capital gains."

Such As....
:mrgreen:
by Toons
Thu Aug 18, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2034

Re: Are there any smart ways to pay off a credit card?

I keep mine paid off like this. I make purchases. It shows up in the credit card account. Pending. The next day the actual debit shows up. I then pay off credit card purchases with,linked checking account. I do this a couple times a week. Takes a minute or less. Why keep purchasing,and not paying. ...
by Toons
Thu Aug 18, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: TaxCaster Interface
Replies: 18
Views: 726

Re: TaxCaster Interface

Pretty Cool

:mrgreen: :mrgreen:
by Toons
Thu Aug 18, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20052

Re: Is there a such thing as a blue collar Boglehead?

I know a blue collar Boglehead,
Everytime I look in the mirror,
I see his smiling face
:mrgreen: :mrgreen:
by Toons
Thu Aug 18, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Geico Mechanical Breakdown Insurance - Is it worth it
Replies: 13
Views: 984

Re: Geico Mechanical Breakdown Insurance - Is it worth it

Honda product.
Mechanical breakdown insurance?
Personally I would pass.
Crv owner here,Fit and Civic in the past.
Take care of the vehicle :happy
by Toons
Thu Aug 18, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow and Spending in Retirement
Replies: 18
Views: 1126

Re: Cash flow and Spending in Retirement

My monthly bills are "nominal".
Fortunately I have enough cash to cover quite a few years worth in a high yield checking account.
Fortunately again,Currently, I would not need to sell any assets to raise cash.

:happy
by Toons
Thu Aug 18, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Should I hire a wealth management company to manage my money?
Replies: 15
Views: 1636

Re: Should I hire a wealth management company to manage my money?

If you know who you are if you are not greedy if you do not think you are smarter than all other investors if you want tax advantage if you balanced allocation if you want modest investment expenses if you want peace of mind then consider Vanguard Tax Managed Balanced Fund 50% blue chip stocks 50% ...
by Toons
Thu Aug 18, 2016 10:57 am
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

toons Of course if in taxable account it is tax inefficient way of getting the convenience If the dividends are qualified isn't that the same the the LTCG rate? For McDonalds I think it should be qualified. +1 Thank You Very Much, I am in the lowest tax rate anyway, Besides,I am not looking for the...
by Toons
Thu Aug 18, 2016 7:14 am
Forum: Investing - Theory, News & General
Topic: VG Prime MM Act vs. Quicken
Replies: 6
Views: 527

Re: VG Prime MM Act vs. Quicken

Enter Manually.
:happy
by Toons
Thu Aug 18, 2016 7:13 am
Forum: Investing - Theory, News & General
Topic: Computer Security [Risk of using online financial services]
Replies: 29
Views: 2085

Re: Computer Security [Risk of using online financial services]

I have been doing financial transactions online since 1997. Banking,investing,taxes,movement of money,,billpay,etc The Best I can do is use complex passwords, 2-step authentication when available. Good Antivirus program(Windows Defender) Verifying that I am at the actual financial website that I am ...
by Toons
Wed Aug 17, 2016 7:20 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

Mcdonalds has been paying me dividends . I may be "tricking"my mind with mental accounting, "Mentally " for me it is Convenient :happy The share price goes down,the share price goes up, They pay me another dividend. It supplements the retirement. They send the money on a regular...
by Toons
Wed Aug 17, 2016 3:28 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

Toons the dividend is just returning capital to you and lowering the share price by the EXACT same amount. You are NO BETTER off than if the company had not paid a dividend It's just mental accounting issue at work Larry Mcdonalds has been paying me dividends . I may be "tricking"my mind ...
by Toons
Wed Aug 17, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: How can I buy VBIAX [Vanguard Balanced Index Admiral]
Replies: 12
Views: 1579

Re: How can I buy VBIAX [Vanguard Balanced Index Admiral]

Simple to do it at Vanguard.
Open account,Online.
Link checking account.
Point and Click :mrgreen:
by Toons
Wed Aug 17, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get vision insurance?
Replies: 12
Views: 755

Re: Should I get vision insurance?

I have crunched the numbers over the years and have found for an annual exam and glasses every now and then,I am better off to self insure :happy
by Toons
Wed Aug 17, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6171

Re: Dividends, and the curse of popularity

I am looking forward to my quarterly dividends next month,,,,
and enjoy spending them on the family.
I feel fortunate.
:mrgreen:
by Toons
Tue Aug 16, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Monthly Deposits in Taxable Account
Replies: 5
Views: 830

Re: Monthly Deposits in Taxable Account

Have the money directed to your Index fund automatically every month.
It eliminates the "emotion" from investing.
Steady,Steady.....Steady.
:happy
by Toons
Tue Aug 16, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: How to replace the pre-Boglehead trading interest/time investment
Replies: 12
Views: 860

Re: How to replace the pre-Boglehead trading interest/time investment

Once you grasp the concept of "compounding",
It makes investing simple and fun. :happy
by Toons
Tue Aug 16, 2016 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: OLED [Universal Display Corp.]
Replies: 5
Views: 308

Re: OLED [Universal Display Corp.]

"couple weeks ago " :shock:

Give the company some time to grow its business.
At least 10 years.
:happy
by Toons
Tue Aug 16, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Borrowing money to invest. Good idea?
Replies: 68
Views: 4209

Re: Borrowing money to invest. Good idea?

Bad Idea.
Save.
Then Invest.






:happy
by Toons
Tue Aug 16, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D
Replies: 17
Views: 1015

Re: Medicare Part D

Ok, so what are "tiers"? I see that some drugs are in different tiers for different plans, although all are generic. And how in the world does one anticipate a drug that might be needed in the future? Explanation of tiers.. The future,,,,? Who knows. You take care of it thats all. :happy ...

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