Search found 95 matches

by tuffy7222
Thu May 18, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: What is a HELCO??? [HELOC - Home Equity Line of Credit]
Replies: 7
Views: 927

What is a HELCO??? [HELOC - Home Equity Line of Credit]

Can you tell me what a HELCO is???
I see it mention in threads
Thanks
by tuffy7222
Thu May 18, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 26175

Re: When 60/40 just isn't appropriate

OH BOy ! The thread is now rolling like it should be with more retirre or soon to be comments.
Keep the comments going guys
by tuffy7222
Wed May 17, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 26175

Re: When 60/40 just isn't appropriate

TO MINDBOGLLING
Thanks ,that is the way to respond to this thread.
I'm happy i took the lead on how to respond.

WHERE are THE REST of you guys. This thread is very important to retirre's
by tuffy7222
Wed May 17, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 906857

Re: U.S. stocks in freefall

TWO days ago I called Vanguard to correct my asset allocation It was 27.2 % stocks, 72.8% bonds As I receive Social Security and Pension this pays for my house bills + other things. I never withdraw from my IRA except RMD'S which i re invest in a taxable most of the time. I'm 80 years old in June 20...
by tuffy7222
Tue May 16, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 26175

Re: When 60/40 just isn't appropriate

To ITSTOOMUCH I agree so here is my statement: I recently changed my asset allocation to 40 stocks 60 bonds (all index funds.( Why? I get Social Security and a pension every month. That basically covers house bills and Costco food purchases. Wife gets SS and small pension. She contributes to local g...
by tuffy7222
Tue May 16, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 26175

Re: When 60/40 just isn't appropriate

Sorry to bump What a waste of time reading pages upon pages of comments on this thread by most people who are still working. Need to see what retire or about to retire people are thinking about asset allocation. These are people with social security and/or pension. That makes a hell of decisions on ...
by tuffy7222
Mon May 15, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 26175

Re: When 60/40 just isn't appropriate

I've been reading these posts and getting a headache no one gives their age (as this can make a difference in allocation) no one mentions they are receiving social security and pensions no one mentions that their ss and pensions cover basic household bills and food no one mentions that they spend al...
by tuffy7222
Wed Apr 26, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: need advice on sale of a 55 or older retirement listing
Replies: 7
Views: 603

Re: need advice on sale of a 55 or older retirement listing

Just a bump to see if there's any more comments or advice
by tuffy7222
Wed Apr 26, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: need advice on sale of a 55 or older retirement listing
Replies: 7
Views: 603

Re: need advice on sale of a 55 or older retirement listing

reachmed
I agree if he has good credit to take a smaller mortgage
I also agree to get this place sold,I'm thinking of reducing price to $175,000
and see if he will mortgage the rest to close out this transaction.
55 or older retirement places are hard to sell as compaired to regular community houses.
by tuffy7222
Wed Apr 26, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: need advice on sale of a 55 or older retirement listing
Replies: 7
Views: 603

need advice on sale of a 55 or older retirement listing

Received a call from my realator today that a buyer is interested in the sale of my house. The house is empty as I bought another house and currently living in my new house. Here's the deal as told to me by my realator. The buyer (who has no realtor) will pay $180,000 putting down $20,000 earnest mo...
by tuffy7222
Tue May 03, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: do you own or bought a Kia Sorento car recently ?
Replies: 2
Views: 542

do you own or bought a Kia Sorento car recently ?

I'm interested in buying a Kia Sorento model this year 2016 or when the new 2017 model comes out. Can you tell me about your car? 1 there are 3 different horse power engines.(which one did you get?) 2 what add on options did you agree to? 3 most important, what price did you pay after negotiating wi...
by tuffy7222
Mon May 02, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Any Jeep auto buyers recently
Replies: 10
Views: 1474

Re: Any Jeep auto buyers recently

THANKS for your replies but doing more research and some negative replies
I changed my mind about Jeeps.
Good luck to you guys that currently own them.
I will be writing a new thread about Kia auto's which I'm now really
interest in.
Thanks again for your responses.
by tuffy7222
Sun May 01, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Any Jeep auto buyers recently
Replies: 10
Views: 1474

Any Jeep auto buyers recently

Hello Jeep buyer I'm interested in buying a new Jeep . i'm not familiar with the models (2016 and maybe 2017 ) but want a four door SUV, automatic trans, color undecided.(no 4 wheel drive as I live in Arizona.) I heard from someone its also possible to take top off (if I want to drive around like a ...
by tuffy7222
Sun Jan 31, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Need technical information [How to record TV audio]
Replies: 12
Views: 1606

Re: Need technical information [How to record TV audio]

Thanks everyone for trying to help me (especially " Qui" ) I downloaded all the instructions that Qui submitted. Because of the vast technical knowledge needed, I decided not to do this project. Probably will have to hire a "Geek" type person to set up the down-loaded instruction...
by tuffy7222
Thu Jan 28, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Need technical information [How to record TV audio]
Replies: 12
Views: 1606

Re: Need technical information

BUMP..If I can get clarity from previous responses
by tuffy7222
Thu Jan 28, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Need technical information [How to record TV audio]
Replies: 12
Views: 1606

Re: Need technical information

Killroy 2012 or any one I don't quite follow the instructions submitted .I'm an older 78 guy with no knowledge of abrevations and technical jargon when it comes to answer my question which you did. What is a PC? All I have is a lap-top computer.(no plug in for speakers. As I previously mentioned . O...
by tuffy7222
Thu Jan 28, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: Need technical information [How to record TV audio]
Replies: 12
Views: 1606

Need technical information [How to record TV audio]

As most of you are familiar with "Best Buy" Geek section solving computer problems.I'm wondering if there are any Geeks on this forum that can answer the question below. My TV has several channels that play 50's, 60's, 70's, 80's music.(constantly). Based on the back of the TV,there are ma...
by tuffy7222
Sat Jan 16, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 8089

Re: Best place to live in CA for a young family

I'm saving this for the last

Paradise,Ca
Why do you think they named this town Paradise

Look up the location !
by tuffy7222
Fri Jan 15, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it
Replies: 70
Views: 8899

Re: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it

BIG RED3
IF you were big red 6 or 7 ,maybe 8 :D :D :D
I would suggest a month ....lol
by tuffy7222
Fri Jan 15, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: here it came "capitulation day" ...today
Replies: 3
Views: 1154

here it came "capitulation day" ...today

The latest big loses in stocks four hundred + of DOW today 1-15-2016 . Investors are giving up on the market....Capitulation day If the S&p 500 closes today above 1,8676 we hit the bottom. And we may be in luck to buy stocks funds low ( or bring as asset allocation up to date buy selling Bond fu...
by tuffy7222
Mon Jan 11, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: How come todays DOW (1-11-16) was up 52.12 ,that i lost5 money
Replies: 14
Views: 2036

Re: How come todays DOW (1-11-16) was up 52.12 ,that i lost5 money

So I thought the DOW was all stocks? The S& P is only 30 stocks.
VERY CONFUSED?
by tuffy7222
Mon Jan 11, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: How come todays DOW (1-11-16) was up 52.12 ,that i lost5 money
Replies: 14
Views: 2036

How come todays DOW (1-11-16) was up 52.12 ,that i lost5 money

Why ???? my portfolio show's
total bond: -.03
total Intl: -.08
Total stock : -.02

"Come on Man" what the hell is going on??????????????????????????????
by tuffy7222
Thu Jan 07, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 11947

Re: [Market] Correction...Corection...Correction

MARKET DOWN 367+ :oops: and sinking lower as minutes go by
now -380 + :oops:
by tuffy7222
Thu Jan 07, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 11947

Re: [Market] Correction...Corection...Correction

I'm trying to reply 2 messages so far..i hit submit but none recorded.
help !!!!!!!!!!
by tuffy7222
Wed Jan 06, 2016 2:12 pm
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 11947

[Market] Correction...Corection...Correction

Is the Dow (stock market0 in a correction.?????????????
I think it looks that way!!!
I read some where (recently) I can't remember where, Buffet say's the same thing.
What are you guy's and girl's opinion's ?
by tuffy7222
Tue Dec 29, 2015 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: [Does vanguard have a fund that tracks NASDAQ?]
Replies: 20
Views: 1869

Re: I* screwed up..question... Does vanguard have a fund that tracks NASDAQ?

Thanks everyone for your replies. I wasn't sure after reading the M* Vanguard forum. I*'ll stick with the 3-fund portfolio so as not to cause unnecessary problems in my old age. My AA is 60/40 bonds/equities. Still need advice on $150,ooo in local bank giving me ["(poor returns)" --admin L...
by tuffy7222
Tue Dec 29, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: [Does vanguard have a fund that tracks NASDAQ?]
Replies: 20
Views: 1869

Re: have an extra funf that tracks nasdaq?

EDIT...DO I NEED A FUND TRACKING NASDAQ???????
by tuffy7222
Tue Dec 29, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: [Does vanguard have a fund that tracks NASDAQ?]
Replies: 20
Views: 1869

[Does vanguard have a fund that tracks NASDAQ?]

Vanguard tilting? I read an interesting question on the other vanguard forum. Does vanguard have a fund that tracks the nasdaq? Someone answered VEXMX ... that comes close. What is VEXMX ?.....Should I buy into this fund with a lot of recent resourses sitting in a bank account.. that needs investmen...
by tuffy7222
Tue Oct 13, 2015 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Second Home Owner
Replies: 5
Views: 768

Re: SECOND HOME OWNER

Forget this: IS this considered taxable income? :oops:
by tuffy7222
Tue Oct 13, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Second Home Owner
Replies: 5
Views: 768

Re: SECOND HOME OWNER

Forgot this: IS this considered taxable income?
by tuffy7222
Tue Oct 13, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Second Home Owner
Replies: 5
Views: 768

Second Home Owner

Last year I purchased a second home but never live in it. I paid $158,000 cash.(yr.2014) This year 2015 I decided to sell and due to lack of customers i told real estate agent to drop price to 150,000. That got some action and will close on the property on Oct 31. My question besides paying the real...
by tuffy7222
Sat Jul 05, 2014 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect assets during marriage
Replies: 13
Views: 1095

Re: How to protect assets during marriage

IN ARIZONA...EVERYTHING IS HALF AND HALF
by tuffy7222
Fri Jun 13, 2014 5:37 pm
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 2141

Re: Should risk be stated in dollars terms instead of AA %?

I'm retired and when I look up my portfolio I want to see how much cash i have in case I want to buy a new car or a vacation home. When Vanguard breaks down the details of each item in a portfolio they show the equivalent cash. When I see a particular mutual fund losing money consistently...I sell b...
by tuffy7222
Wed May 28, 2014 11:28 am
Forum: Personal Consumer Issues
Topic: Thinking of buying a 1974 Corvette
Replies: 22
Views: 2273

Thinking of buying a 1974 Corvette

My son's father-in-law has a 1974 corvette that is garaged and some work has been done.
Have no idea of the work performed.At this point they need money for reasons I don't know.
Question: What do anyone of you know what the car should cost if I wanted to buy?
Its a standard shift.

Thanks
by tuffy7222
Sat Apr 26, 2014 9:40 pm
Forum: Investing - Theory, News & General
Topic: Mel Lindauer..ANNUITIES
Replies: 12
Views: 4419

Mel Lindauer..ANNUITIES

Hello Mel I attended a presentation yesterday by an insurance owner that informed senior people who were in attendance about the wonderful opportunity to invest in his plan. I was there for the free meal and had nothing else to do. The agent discussed many different plan annuities ,some he wouldn't ...
by tuffy7222
Mon Dec 30, 2013 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 5895

Re: Taylor Larimore requesting your comments[Morningstar thr

Mel Yes' I'll probably be the 15% fed tax bracket for the year 2014. So this year 2013, because I sold equity funds to pay cash for the purchase of a house. I will be in 25% fed tax bracket. Another thing that concerns me, I decided to put all dividends and monthly interest payments into my taxable ...
by tuffy7222
Sun Dec 29, 2013 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 5895

Re: Taylor Larimore requesting your comments[Morningstar thr

MEL
Did you overlook whether I should go with Total Bond Mkt ( vbtlx) or Intermediate tax-exempt ( vwiux) in my taxable account.
I value your and Taylor's recommendation. (see my thread above this one )

Thanks
by tuffy7222
Sun Dec 29, 2013 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 5895

Re: Taylor Larimore requesting your comments[Morningstar thr

OPTIMPESSIM Your probably right that i'll be back in 15 % Fed tax bracket in 2014. The Vanguard CFP did suggest Total Bond MKT. but for the following reason: "Use Vanguard TBM index fund (VBTLX ) . Even though the dividend income will be taxable each year, you should still be able to achieve a ...
by tuffy7222
Sat Dec 28, 2013 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 5895

Re: Taylor Larimore requesting your comments[Morningstar thr

OPTIMPESSIM If you look closely in my above thread I will have to pay Captial Appreciation tax this year because I sold shares in two equity funds in my taxable account to pay for a house I bought . I acquired long and short term gains that I'm sure will put me in 25 % Fed tax bracket this year. Wai...
by tuffy7222
Sat Dec 28, 2013 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 5895

Re: Taylor Larimore requesting your comments[Morningstar thr

Hi EVERYONE Well reading all replys and especially Mel's where he recommended selling all equities in IRA (leaving only bonds).I decided on the following: Current asset Allocation : stocks 19.10 %, Bonds 54.30 % , Short term (cash) 26.60 % Proposed Asset Allocation after I do the transactions listed...
by tuffy7222
Thu Dec 26, 2013 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 5895

Re: Taylor Larimore requesting your comments[Morningstar thr

Hey Mel: First of all I can't contribute new monies to my IRA account. In order to agree with your suggestion to add more bonds in my IRA, I need to sell some FTS world international and some Total Stock Mkt. to get me to 70 % bonds. I have Short term bonds index and Total bond index and Tips fund c...
by tuffy7222
Thu Dec 26, 2013 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 5895

Re: Taylor Larimore requesting your comments[Morningstar thr

Hi Guys To answer your Question about living expenses or re-investing. Since My initial IRA account I never had a need to draw money to supplement my pension and social security payments for living expenses.All dividends or interest payments are all re-invested in the IRA. When I reached 70 years ol...
by tuffy7222
Wed Dec 25, 2013 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 5895

Taylor Larimore requesting your comments[Morningstar thread]

I recently read your reply on the Bogleheads Forum to thread identified as " Move to short term bond fund" dated 12-20-13 ...post 3498905. Your quote : Taxable bonds normally belong in tax-advantaged accounts. I'm a 76 yr.old retirre and have recently been in contact with a Vanguard CFP re...
by tuffy7222
Sat Dec 07, 2013 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: [Need Some Advice / Suggestions]
Replies: 7
Views: 554

Re: [Need Some Advice / Suggestions]

Thanks for your reply ....but i,m 76 yrs old and I think I should be investing some part of $200,000 in TAXABLE ACCOUNT in something like VANGUARD INTERMEDIATE TERM TAX EXEMPT (vwitx ) or Van....Limited term Tax Exempt (vmltx)
by tuffy7222
Sat Dec 07, 2013 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: [Need Some Advice / Suggestions]
Replies: 7
Views: 554

[Need Some Advice / Suggestions]

I am a married 76 yr.old . Both wife and I have S.S. and pensions.No major bills. Car,s and house paid off.All other bills are paid by credit card and paid off monthly. Here is my need for advice and or suggestions pertaining to my TAXABLE account at Vanguard. Recently without going into details I t...
by tuffy7222
Fri Aug 24, 2012 7:18 pm
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 143
Views: 18504

We need a new forum just for retirement issues

I AGREE with sscritic. There have been a lot of meaniful replies one way or the other. Try Sscritic approach see what happens. There should no-skin off your backs ! Unless (as Petrocelli seems to think) This forum is prejudice in hand picked moderators that don't give a crap for other peoples views ...
by tuffy7222
Wed Aug 22, 2012 11:23 am
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 143
Views: 18504

Re: We need a new forum just for retirement issues

WHERE is Alex and the decision makers concerning this proposal for a new forum on retirement issues?

Also where is Taylor Larimore response???????
by tuffy7222
Tue Aug 21, 2012 12:51 pm
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 143
Views: 18504

Re: We need a new forum just for retirement issues

Instead of the current "planning Process " that is constantly discussed on a daily basis by the 40 yr old and under
Us retirres need a "Retirement Payoff Process" that includes WITHDRAWAL STRATEGIES and PROTECTING YOUR ASSETS

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