Search found 11107 matches

by Toons
Wed Jan 18, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: All eggs in one basket
Replies: 13
Views: 1224

Re: All eggs in one basket

Great Idea on both Fronts,
Vanguard and Diversified.
You are keeping it simple .
No need to fret.
:happy
by Toons
Wed Jan 18, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 31
Views: 3162

Re: Fed Rate to 3%

70/30
Stock Bond.
No plans to change anything.
Will accept the changes the market offers.
:D
by Toons
Wed Jan 18, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Paying back college loan debt
Replies: 13
Views: 573

Re: Paying back college loan debt

I guess my question is, would it be smart to dedicate all my savings month-over-month to paying down this debt?

Living Rent Free?
Without a doubt.
Apply the "hypothetical " rent money towards your debt,
Until it is paid off. :happy
by Toons
Wed Jan 18, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much to spend on a house?
Replies: 29
Views: 2801

Re: How much to spend on a house?

Save enough for a 15 year fixed.
:happy
by Toons
Wed Jan 18, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: The wisdom of buying a car that doesn't depreciate (much)
Replies: 24
Views: 2517

Re: The wisdom of buying a car that doesn't depreciate (much)

If you can "afford" it.
Get what you want. :happy
by Toons
Tue Jan 17, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Liquidity
Replies: 3
Views: 385

Re: Money Market Liquidity

Live and Learn
:D
by Toons
Tue Jan 17, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 16
Views: 1392

Re: Have GEICO auto, asked for quote online, $150 less

Julieta wrote:
Toons wrote:Geico
650 a year for
2015 Honda Crv
2014 Sprinter RV
No complaints :happy


Good for you! What are the coverages for the autos?


Without going into the numbers.
Full Coverage for both,collision,comp,,etc.
Road Service also. :happy
by Toons
Tue Jan 17, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing: Buying all cash or mortgage?
Replies: 2
Views: 339

Re: Downsizing: Buying all cash or mortgage?

Mid sixties?
Mortgage Free.
Pay cash.
Think about something else :happy
Mid sixties here.
Paid cash.
Can't imagine even having to look at a monthly mortgage payment :happy
by Toons
Tue Jan 17, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Buying BND vs. Paying Down HELOC
Replies: 14
Views: 801

Re: Buying BND vs. Paying Down HELOC

Here's another thought on the subject: If you loose your job in a year and it takes 6 months to find an acceptable replacement which one of these two options sounds better: 1.) No mortgage, debt free, OK emergency fund, small investment portfolio. 2.) Mortgage, debt free, OK emergency fund, nice in...
by Toons
Tue Jan 17, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6258

Re: Disheartening to hear this about Vanguard

99% of the people that are satisfied with their service providers do NOT go on the internet and tell you how pleased they are.
I would not lend much credence to that site.
Pass.
Read some good reviews. :happy
by Toons
Tue Jan 17, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 32
Views: 1111

Re: Durable photo printer ?

Canon for me, But I have not printed a photo in years :happy https://www.walmart.com/ip/45830928?wmlspartner=wlpa&adid=22222222227034202170&wl0=&wl1=g&wl2=c&wl3=72834055592&wl4=pla-142231585232&wl5=9013323&wl6=&wl7=9013306&wl8=&wl9=pla&wl10=8175035&...
by Toons
Tue Jan 17, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 16
Views: 1392

Re: Have GEICO auto, asked for quote online, $150 less

Geico
650 a year for
2015 Honda Crv
2014 Sprinter RV
No complaints :happy
by Toons
Tue Jan 17, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6258

Re: Disheartening to hear this about Vanguard

I've never sold anything in taxable and hope I never have to, it sounds like a huge PITA. I've never sold anything in my single-fund taxable account either. When I opened it 20+ years ago I didn't know anything about cost basis; I just knew about saving. I diligently invested throughout the year --...
by Toons
Tue Jan 17, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: mirror image of VBINX
Replies: 6
Views: 403

Re: mirror image of VBINX

Wellington
:happy
by Toons
Mon Jan 16, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Refinancing 2017 Honda Civic. Honda Financial services added $75 to my loan.
Replies: 18
Views: 1248

Re: Refinancing 2017 Honda Civic. Honda Financial services added $75 to my loan.

There is absolutely nothing in my loan contract about this $75 minimum interest thing. It says about the Prepayment penalty: "If you pay early, you may be charged a minimum finance charge." Are they legally able to put any kind of prepayment penalty fees with that in my contract? I do not...
by Toons
Mon Jan 16, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Refinancing 2017 Honda Civic. Honda Financial services added $75 to my loan.
Replies: 18
Views: 1248

Re: Refinancing 2017 Honda Civic. Honda Financial services added $75 to my loan.

Something smells "fishy" to me.
Google won't find it for me.
Take sheepdog's advice.
Check your loan contract.
:happy
by Toons
Mon Jan 16, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Yr. Old Male, Where Would I Start?
Replies: 5
Views: 520

Re: 28 Yr. Old Male, Where Would I Start?

minesweep wrote:Welcome to the Bogleheads Forum!

You can begin here at the Bogleheads Wiki:

Getting started



+1 :happy
by Toons
Mon Jan 16, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off my mortgage?
Replies: 15
Views: 1138

Re: Should I pay off my mortgage?

Crunch this number.
Crunch that number.
After Crunching.
Yes.
Tomorrow.
No doubt (in my mind anyway)
:mrgreen:
by Toons
Mon Jan 16, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doin?
Replies: 31
Views: 2706

Re: How am I doin?

House worth 465k (mortgage 349k, 15y @3.0%) You are in great shape, May as well work on that last debt. :mrgreen: :D thank you toons. Getting on it soon! Aggressive goal would be 4-5 years paid off...relaxed goal of 9 years +1 Bingo I Had a fifteen like you many years ago... Focused on it ,,done de...
by Toons
Mon Jan 16, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Doing email with a Chromebook
Replies: 16
Views: 1211

Re: Doing email with a Chromebook

I have been using gmail as a primary email and
Yahoo as secondary email with chromebooks since
2011.
I use it for most everything,banking investing,etc,including accesing quicken on the Windows 10 desktop via remote
Excellent choice
Chromebook
:happy
by Toons
Mon Jan 16, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doin?
Replies: 31
Views: 2706

Re: How am I doin?

House worth 465k (mortgage 349k, 15y @3.0%)

You are in great shape,
May as well work on that last debt. :mrgreen:
by Toons
Mon Jan 16, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9057

Re: How much do you typically spend in a restaurant?

It is usually around 20 bucks,
Mexican food
:happy
by Toons
Mon Jan 16, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 265
Views: 40594

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Lists have helped me all my life. To reach financial independence, I saved as much as I could and lived below my means. Eventually, I adopted the strategies from Taylor's list: Develop a workable plan Invest early and often Never bear too much or too little risk Never try to time the market Use ind...
by Toons
Mon Jan 16, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Cardinal Sin - went to cash the day before 2016 election
Replies: 56
Views: 6112

Re: Cardinal Sin - went to cash the day before 2016 election

Never considered trying to time the market ,,all in ,,all out.
It takes time to allow compounding to do the heavy lifting of the portfolio.
You gotta be there when lightning strikes.
:D :D
Stay on a fixed course.
by Toons
Sun Jan 15, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 3285

Re: How High is Your TV?

In the living area I sit in a lazyboy recliner. The bottom of the 50" Tv is 26" from the floor on a stand. When viewing,I am either 11 ft(when upright)or 12.5 feet away from TV(reclined position :happy ) In the bedroom The base of the 26 inch tv is 54" from the base of the floor. The ...
by Toons
Sun Jan 15, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Online legal service/form - simple will?
Replies: 12
Views: 675

Re: Online legal service/form - simple will?

I used LegacyWriter :happy http://www.legacywriter.com/?gclid=CjwKEAiA2OzDBRCdqIyIqYaaqQoSJABeJZdiRyfMntFoqcqUWLbFcnXY2vvSc0NwOvcuHOzizErIjhoCOprw_wcB Can you give a ballpark of the cost? And did you have a local lawyer look at it - it states that is one of the options? And to answer some prior con...
by Toons
Sun Jan 15, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 46
Views: 4302

Re: Retired, expenses covered but still growing portfolio, why?

Sometimes the saving and investing habits that have been ingrained like weaves in a fabric,,
are just not easy to "break" :happy
by Toons
Sun Jan 15, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2419

Re: Upgrade or just buy new? [Computer]

Upgrade to Windows 10
The computers now are like supercomputers of years ago,,,and
you can get one for 500 bucks. :happy
by Toons
Sun Jan 15, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: is a 401k loan always terrible?
Replies: 51
Views: 3090

Re: is a 401k loan always terrible?

While we could theoretically accommodate another kid in our house as is

Do that.
Pay off all the debt.
Do not borrow from the 401k.
Save for the home improvement.
4 easy steps
:mrgreen:
by Toons
Sun Jan 15, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1229

Re: Receipts [Retaining purchase receipts]

Receipts I deem important.
I enter transaction in quicken app on phone.(Which I always do)
Take a picture of receipt.
Sync with computer .
Keep indefinately.
I use Walmart Pay.They send receipt in digital form soon as transaction is over.
:happy
by Toons
Sat Jan 14, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Compounding of stock returns
Replies: 14
Views: 1086

Re: Compounding of stock returns

Is this only true if you reinvest dividends? I myself reinvested Mcdonalds dividends for 25 years,recently started taking the dividends in cash. The link below will give you a pretty clear picture of reinvesting vs not reinvesting (No my initial investement was NOT 100k :mrgreen: :mrgreen: ) http:/...
by Toons
Sat Jan 14, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost-Average over HOW MANY years?
Replies: 58
Views: 3372

Re: Dollar-Cost-Average over HOW MANY years?

Another vote for all in. 20 years from now the current all time high, will be in the rearview mirror. :happy +1 It's time in the market that counts. I went all in a few days ago, join me and if the market tanks, we can commiserate together. An IRA is a long term investment vehicle, chances are you ...
by Toons
Fri Jan 13, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Sell stock to pay debt?
Replies: 23
Views: 1013

Re: Sell stock to pay debt?

Yes
Yes
Yes.
Take some profits.
Pay off the debt.
Taxes are an inherent part of investing.
Would you rather not have profits and not have taxes to pay?
Move On.
:happy
by Toons
Fri Jan 13, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: what local pharmacy?
Replies: 57
Views: 2743

Re: what local pharmacy?

Cvs,Walmart
:happy
by Toons
Fri Jan 13, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost-Average over HOW MANY years?
Replies: 58
Views: 3372

Re: Dollar-Cost-Average over HOW MANY years?

Another vote for all in.
20 years from now the current all time high,
will be in the rearview mirror. :happy
by Toons
Fri Jan 13, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Amazon???
Replies: 22
Views: 3050

Re: Amazon???

3%?
Sure.
Just be prepared.
And go win with the firm conviction to hold for a minumum of
10years.
:happy
by Toons
Thu Jan 12, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Investing only after a market correction
Replies: 99
Views: 6560

Re: Investing only after a market correction

Are you waiting for bell to ring when the correction is over? Meanwhile the economy is humming along as it has been, and will continue to do so for the foreseeable future. You,like the rest of us only have a limited amount of time on this planet. Put the money to work ASAP so the compounding machine...
by Toons
Thu Jan 12, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 5997

Re: Where do you keep your emergency fund?

Online Savings

:happy
by Toons
Wed Jan 11, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2697

Re: Shutterbugs - How do you organize your digital photos?

On the computer,
Folder heirarchy.
Year/Event.
All photos are uploaded to google
They organize.
:happy

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