Search found 13520 matches

by Toons
Thu May 28, 2020 6:03 pm
Forum: Investing - Theory, News & General
Topic: This article is scaring me. [Roubini predicting depression]
Replies: 82
Views: 8378

Re: This article is scaring me. [Roubini predicting depression]

Depression?
Handle it..
Like everything else in life
Opportunity
:mrgreen:
by Toons
Thu May 28, 2020 5:59 pm
Forum: Personal Investments
Topic: Lump sum vs Dollar Cost Averaging during volatile market
Replies: 28
Views: 962

Re: Lump sum vs Dollar Cost Averaging during volatile market

Lump Sum
Time
Not Timing
Stop listening to the daily noise.
:happy
by Toons
Thu May 28, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Civic Air Conditioning issues
Replies: 16
Views: 828

Re: 2016 Honda Civic Air Conditioning issues

2018 Civic Sport Touring Here,
Compressor 10k miles.
Warranty.
Life is great no matter what
:mrgreen:
by Toons
Tue May 26, 2020 10:14 pm
Forum: Personal Investments
Topic: Tax-Exempt Bonds for Lower Tax Brackets
Replies: 21
Views: 1650

Re: Tax-Exempt Bonds for Lower Tax Brackets

I hold Vanguard intermediate term tax exempt VWIUX
In a taxable account.
Yes I am in a lower tax bracket.
No I am not chasing yield,,taxable bond ,taxfree ,distribution yield,,etc
Satisfied.
For years.
:happy
by Toons
Tue May 26, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 28
Views: 1691

Re: Robot vacuums

We have 2 "roomba" vacuums. They both wake up at 10am Tuesday,Saturday. Upstairs and down in the finished basement room I will open the door occasionally and let it clean the garage floor. :happy I send them home to re energize about 60 minutes into the job via the app on the phone. Gotta love it :m...
by Toons
Tue May 26, 2020 10:02 pm
Forum: Investing - Theory, News & General
Topic: Are we better off now than Dec 2018?
Replies: 237
Views: 15437

Re: Are we better off now than Dec 2018?

Personally ?
Yes
I feel "Greater"
Than I did then
:mrgreen:
by Toons
Tue May 26, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 93
Views: 7333

Re: Examples of why NOT to hold individual stocks

I was eating popcorn drinking another Coke Zero one night a while back.
I said to myself,,wow this tastes good,
I decided to add to my KO "position'.Recently
:mrgreen:
by Toons
Tue May 26, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 93
Views: 4569

Re: Anybody do any GOOD timing the market?

I bought some shares in Equity funds
October 22
1987
:happy
Then again
I bought A couple Technology funds
March
2000
:mrgreen:
by Toons
Tue May 26, 2020 6:50 pm
Forum: Personal Investments
Topic: First post - any advice appreciated
Replies: 9
Views: 853

Re: First post - any advice appreciated

Debt: 90k total

Pay Down
Pay Off
ASAP
Using laser like focus



:mrgreen:
by Toons
Tue May 26, 2020 6:47 pm
Forum: Personal Investments
Topic: Any retirees get through Covid crisis without large cash reserve?
Replies: 63
Views: 4030

Re: Any retirees get through Covid crisis without large cash reserve?

Had 60k in cash in March
30k now.
Invested the last couple months
:mrgreen:
by Toons
Tue May 26, 2020 6:40 pm
Forum: Personal Investments
Topic: Choice of Income Fund
Replies: 2
Views: 243

Re: Choice of Income Fund

Retired Here
VWIAX for Me
Sleep Well.
Just my thoughts
I like the 40/60=Income
We own it in Roth Iras
:happy
by Toons
Tue May 26, 2020 6:37 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 40
Views: 2004

Re: How to avoid tinkering?

Wear a Rubber Band on your Wrist(a Thick One)
Everytime you feel like tinkering
Pull(way back)
Release
:mrgreen: :mrgreen:
by Toons
Tue May 26, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Amazon Prime Rewards Visa Signature Card
Replies: 41
Views: 2205

Re: How is the Amazon Prime Rewards Visa Signature Card

Works Great For Us.
5% back
We shop Amazon.
:happy
by Toons
Sun May 24, 2020 4:18 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1406
Views: 190041

Re: Post your Financial Milestone Announcements Here

Bob Brinker's
Land Of Critical Mass
"The Land Of No Alarm Clocks"
:wink:
by Toons
Sun May 24, 2020 4:11 pm
Forum: Personal Investments
Topic: Question about Edward Jones disapproval
Replies: 40
Views: 3795

Re: Question about Edward Jones disapproval

Let It Be As It Is
:happy
by Toons
Sun May 24, 2020 4:10 pm
Forum: Investing - Theory, News & General
Topic: Why did you change your investing approach?
Replies: 36
Views: 1915

Re: Why did you change your investing approach?

Well I started about 90/10 equity
That lasted for several decades,
I changed my approach
70/30
Why
Retirement
Father time .
:happy
by Toons
Sun May 24, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: Why did you change your investing approach?
Replies: 36
Views: 1915

Re: Why did you change your investing approach?

Equities outpace inflation over years.
Stick with it
:happy
by Toons
Sun May 24, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 106
Views: 5398

Re: Tips to stick to a weight loss diet?

Surround yourself with vegetables
Water,Brown rice,chicken,fish,
Almonds for a snack
Start walking and keep walking
No excuses
:mrgreen:
by Toons
Sat May 23, 2020 8:29 am
Forum: Personal Investments
Topic: Choice between two Vanguard funds for short term money
Replies: 12
Views: 1199

Re: Choice between two Vanguard funds for short term money

I ditto what
Triple Digit Golfer
Had to say
:mrgreen:
by Toons
Sat May 23, 2020 8:26 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11445

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Pick an asset allocation
Adjust periodically (small steps infrequently)
Stick To It
For Decades,Decades
It Works
:mrgreen:
by Toons
Sat May 23, 2020 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Paying off student loan during loan forbearance? Now, or is there any reason to wait?
Replies: 5
Views: 454

Re: Paying off student loan during loan forbearance? Now, or is there any reason to wait?

Do the right thing Which in my opinion is Pay off the debt. Personally I would be relieved and would sleep better :mrgreen: Thanks, Toons. I've never thought of paying off the loan as "the right thing to do." I've only thought of it as a nuisance that I resent, but you're right, paying it off is th...
by Toons
Fri May 22, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loan during loan forbearance? Now, or is there any reason to wait?
Replies: 5
Views: 454

Re: Paying off student loan during loan forbearance? Now, or is there any reason to wait?

Do the right thing
Which in my opinion is
Pay off the debt.
Personally I would be relieved and
would sleep better
:mrgreen:
by Toons
Fri May 22, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 55
Views: 5085

Re: Should I pay $1,600 for this lawn care fix?

I enjoy lawn care. It's one of my favorite pass times.

Me too,
That is why I am getting a ton of topsoil delivered next week
Spend the money
Enjoy
That is what it is for,,goods and services,
:beer
by Toons
Fri May 22, 2020 4:19 pm
Forum: Personal Investments
Topic: Cost Basis Question
Replies: 4
Views: 302

Re: Cost Basis Question

I have always used average basis
Just easier for me.
I guess I have missed some tax reduction opportunities,
but then again I rarely sell fund shares.
In hindsight I wouldn't change anything(40 years)
Everyone uses the strategy that fits their needs
:happy
by Toons
Fri May 22, 2020 9:36 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 100
Views: 7333

Re: Is Vanguard's Personal Advisor Service Worth It???

I have 150k and 80k in a rollover IRA and brokerage account respectively.


A couple of index funds.
Maybe 1
Low management fees,
What is left to manage
by an outside advisor?

:mrgreen:
by Toons
Fri May 22, 2020 9:32 am
Forum: Personal Investments
Topic: Strategy: %Cash in Portfolio
Replies: 17
Views: 1486

Re: Strategy: %Cash in Portfolio

Whatever makes you feel comfortable
1 dollar or
1 million dollars
:mrgreen:
by Toons
Fri May 22, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20947

Re: Vanguard brokerage account transition

jeffyscott wrote:
Thu May 21, 2020 9:38 am
Toons wrote:
Thu May 21, 2020 9:24 am
Glad I did
Why?
Now I can readily purchase more shares of
Coca Cola and Mcdonalds.
:mrgreen: :mrgreen:
by Toons
Fri May 22, 2020 9:28 am
Forum: Personal Investments
Topic: Is Chasing Yield Worth It? (Banks)
Replies: 15
Views: 1176

Re: Is Chasing Yield Worth It? (Banks)

I stopped chasing yield about 10 years ago,
Not worth the effort for me personally.
Quality of Life is Certainly No Worse, :mrgreen:
by Toons
Thu May 21, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20947

Re: Vanguard brokerage account transition

I upgraded taxable account
3 IRAs to brokerage about 6 months ago
Seamless,
No complaints.
Glad I did
:mrgreen:
by Toons
Wed May 20, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6272

Re: Alternatives to Craftsman Tools

Kobalt
:mrgreen:
by Toons
Wed May 20, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2928

Re: Engagement Ring Help

Pay cash
Amazon
:mrgreen:
by Toons
Wed May 20, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: Backdrop for Dow 10,000
Replies: 9
Views: 1700

Re: Backdrop for Dow 10,000

No
:mrgreen:
by Toons
Tue May 19, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4125

Re: Turning 65, Medicaire questions

Give Mutual Of Omaha A call,,, No I am not affiliated. :mrgreen: My spouse and I have the Supplemental G plan with them . They all have to offer the same benefits. We pay 213.60 combined monthly As a sidenote ,we both use Walmart Humana Value Plan for Medicare Prescription D Plan 13.20 for each of u...
by Toons
Tue May 19, 2020 11:51 am
Forum: Personal Investments
Topic: Anyone else have Vanguards Wellesley income fund
Replies: 22
Views: 2625

Re: Anyone else have Vanguards Wellesley income fund

Yes
Both Roth Iras,spouse ,myself
Just exchanged holdings of Growth fund held for 20 years into
Wellesley Income(Admiral)
To add to additional shares owned
:mrgreen:
by Toons
Fri May 15, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5330

Re: What are your alternative plans this summer if it was travel?

Enjoy the backyard
Trees,
Mountains,
Wildlife
:happy
by Toons
Fri May 15, 2020 9:37 am
Forum: Investing - Theory, News & General
Topic: Adjust Asset Allocation when 90 or older?
Replies: 21
Views: 1423

Re: Adjust Asset Allocation in last decade of life?

Looking4Answers wrote:
Mon May 11, 2020 2:26 pm
Toons wrote:
Mon May 11, 2020 2:23 pm
I will be 70 in October,
Have been thinking about it the last 5 years,but
Still 70/30 Stock Bond.
Comfortable with it
:happy
Hey, I'm in my 60's. Please don't suggest that 70 is old.

Hey It is only 840 months
:happy :happy
by Toons
Mon May 11, 2020 2:23 pm
Forum: Investing - Theory, News & General
Topic: Adjust Asset Allocation when 90 or older?
Replies: 21
Views: 1423

Re: Adjust Asset Allocation in last decade of life?

I will be 70 in October,
Have been thinking about it the last 5 years,but
Still 70/30 Stock Bond.
Comfortable with it
:happy
by Toons
Sat May 09, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2016

Re: Rocks or Mulch?

Rocks
Works for us
No maintenance
:happy
by Toons
Thu May 07, 2020 4:41 pm
Forum: Investing - Theory, News & General
Topic: Why is lump sum investment option better than DCA?
Replies: 156
Views: 5711

Re: Why is lump sum investment option better than DCA?

Time,of which we all have a limited amount.
Not timing.
Put the compounding machine to work
ASAP
:mrgreen:
by Toons
Mon May 04, 2020 4:58 pm
Forum: Personal Investments
Topic: Getting 300k cash. What should we do with it?
Replies: 23
Views: 3958

Re: Getting 300k cash. What should we do with it?

Think about it for a while once you have received the $$$$$$
:happy :happy
by Toons
Mon May 04, 2020 4:58 pm
Forum: Personal Investments
Topic: Getting 300k cash. What should we do with it?
Replies: 23
Views: 3958

Re: Getting 300k cash. What should we do with it?

Think about it for a while once you have received the $$$$$$
:happy :happy
by Toons
Wed Apr 29, 2020 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with extra money?
Replies: 20
Views: 1799

Re: What to do with extra money?

Pay Off The Auto
Then start on the home
:happy
by Toons
Tue Apr 28, 2020 10:19 am
Forum: Personal Investments
Topic: How much to keep at Vanguard?
Replies: 12
Views: 1536

Re: How much to keep at Vanguard?

No











:happy
by Toons
Tue Apr 28, 2020 10:18 am
Forum: Personal Investments
Topic: WHAT TO DO for family of 5, tiny house, extra $: Mortage payoff vs. 529 vs. taxable retirement
Replies: 27
Views: 1909

Re: WHAT TO DO for family of 5, tiny house, extra $: Mortage payoff vs. 529 vs. taxable retirement

Pay Off The Mortgage.
Digest that for a good while.
You will have other fruitful productive thoughts
After that is done
One Step At A Time.
:happy