Search found 13684 matches

by Toons
Mon Sep 14, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: Best place to "park" a large amount of cash
Replies: 11
Views: 1540

Re: Best place to "park" a large amount of cash

ilan1h wrote: Mon Sep 14, 2020 10:44 am What about parking it in VMLUX (Vanguard limited term tax exempt)? I realize it's not 100% "safe" but it's never lost any money since 1985 and it's max drawdown was 2%. According to Vang website the 30 day SEC yield is 0.72 and it is exempt from fed tax.
Good Thinking
:mrgreen:
by Toons
Sat Sep 12, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7062

Re: "Hobby" Money: Planes, cars, boats etc...

We travel the Country in a Roadtrek ,Class B We both enjoy it. We don't question the expenses anymore, We save ,We invested, The clock is ticking :mrgreen: I just looked these up they are amazing looking (and really really expensive!) How much do you use it per year would you guesstimate? Hello We ...
by Toons
Fri Sep 11, 2020 5:32 pm
Forum: Personal Investments
Topic: Betterment, Vanguard LifeStrategy, or Vanguard DIY?
Replies: 13
Views: 1282

Re: Betterment, Vanguard LifeStrategy, or Vanguard DIY?

DIY
Lifestrategy
According to risk tolerance
Invest
Consistently
Expense Ratio 0.13%
Why Pay More
"The four Vanguard LifeStrategy funds provide efficient global equity and bond exposure at different fixed equity allocations at a very low cost"-Morningstar
:happy
by Toons
Fri Sep 11, 2020 5:09 pm
Forum: Investing - Theory, News & General
Topic: Questions to ask a prospective financial advisor
Replies: 103
Views: 4090

Re: Questions to ask a prospective financial advisor

Got Out Of The Market In 2008?
Wrong advisor.
That was the time to get in.
And Stay In
Sounds like someone with some financial acumen
Needs to go with them

:happy
by Toons
Fri Sep 11, 2020 5:05 pm
Forum: Investing - Theory, News & General
Topic: Having Wellesley in taxable while in low tax bracket
Replies: 7
Views: 695

Re: Having Wellesley in taxable while in low tax bracket

I say yes
2 yrs?hmm
4?yes
Preferably More


:mrgreen:
by Toons
Fri Sep 11, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 142
Views: 10321

Re: Paying off sub 4% mortgage interest rate early

Admiral wrote: Fri Sep 11, 2020 12:40 pm
Toons wrote: Fri Sep 11, 2020 12:09 pm I am not
But
I Would
If I had a Mortgage




:mrgreen:
Toons I always enjoy your Haiku-esque responses! :happy

Gracias :sharebeer
by Toons
Fri Sep 11, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage from 401K
Replies: 8
Views: 759

Re: Payoff Mortgage from 401K

Leave the 401k alone
Pay off with assets outside of
Tax deferred accounts


:mrgreen:
by Toons
Fri Sep 11, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13310

Re: Thoughts on Tennessee

We retired to Northeast Tn. Family is in Virginia ,On the coast. Jonesborough specifically. I did a lot of research demographics,healthcare facilites,cost of living ,climate etc. Could not be more pleased with the quality of life and location in the country. We travel in a Roadtrek all over the coun...
by Toons
Fri Sep 11, 2020 12:17 pm
Forum: Personal Investments
Topic: Asset Allocation at age 61
Replies: 36
Views: 2992

Re: Asset Allocation at age 61

60/40
:mrgreen:
by Toons
Fri Sep 11, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2132

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

I reinvested for many years, Taxes No problem at all , Vanguard tracks the basis, I also track in Quicken If you are attempting to create wealth Over the long term Reinvesting of dividends and capital gains is important, Compounding,8th wonder of the World(Einstein) “Compound interest is the eighth ...
by Toons
Fri Sep 11, 2020 12:10 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14622

Re: What is your age and asset allocation ?

Knocking On "70"
70/30
Equity ,Bond

:mrgreen:
by Toons
Fri Sep 11, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 142
Views: 10321

Re: Paying off sub 4% mortgage interest rate early

I am not
But
I Would
If I had a Mortgage




:mrgreen:
by Toons
Fri Sep 11, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3409

Re: Asset Allocation-What have you learned about yourself?

To
Know Thyself
Is Most Important.
Kudos to you

:happy
by Toons
Mon Aug 31, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Bosch Dishwasher Extended Warranty?
Replies: 15
Views: 982

Re: Should I purchase Bosch Dishwasher Extended Warranty?

Wings2525 wrote: Mon Aug 31, 2020 4:11 pm 10+ years of flawless, problem free usage on a Bosch dishwasher installed on a kitchen remodel. No extended warranty purchased.
Ditto :mrgreen:
by Toons
Sat Aug 29, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: At what point can you afford a 2nd home?
Replies: 46
Views: 3849

Re: At what point can you afford a 2nd home?

For Me?
When I can pay cash






:mrgreen:
by Toons
Sat Aug 29, 2020 7:42 pm
Forum: Investing - Theory, News & General
Topic: “Cash is king” sentiment
Replies: 37
Views: 4109

Re: “Cash is king” sentiment

Cash loses to inflation sticks more in my mind



:mrgreen: :mrgreen:
by Toons
Fri Aug 28, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Go for the Honda 0.9% APR loan or pay cash? 35k minivan
Replies: 51
Views: 4041

Re: Go for the Honda 0.9% APR loan or pay cash? 35k minivan

Pay Cash
Put it out of your mind and
Behind you.
Move forward
:mrgreen:
by Toons
Fri Aug 28, 2020 12:30 pm
Forum: Personal Investments
Topic: Financial Advisor (Morgan Stanley) wants to end relationship with ("fire") my grandfather
Replies: 62
Views: 6773

Re: Financial Advisor (Morgan Stanley) wants to end relationship with ("fire") my grandfather

TomatoTomahto wrote: Fri Aug 28, 2020 9:16 am In a pinch, you could chat with your grandfather.
:sharebeer

Perfect :mrgreen:
by Toons
Wed Aug 26, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Poll of the retirees among us--spending in retirement
Replies: 76
Views: 6654

Re: Poll of the retirees among us--spending in retirement

We spend about
40k a year,
Excluding any major purchase
Retired
:happy
by Toons
Wed Aug 26, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Effective Brands of Melatonin
Replies: 15
Views: 1339

Re: Effective Brands of Melatonin

Spring Valley Works :happy https://www.walmart.com/ip/Spring-Valley-Melatonin-Tablets-10mg-120-Count/50733191?wmlspartner=wlpa&selectedSellerId=0&wl13=1080&&adid=22222222227038653100&wl0=&wl1=g&wl2=c&wl3=90377760512&wl4=pla-182525521712&wl5=9013323&wl6=&wl7=&wl8=&wl9=pla&wl10=8175035&wl11=local&wl12...
by Toons
Wed Aug 26, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Advising retired couple on buying second home
Replies: 33
Views: 2772

Re: Advising retired couple on buying second home

Small Condo
Less Is More as we age
Pay Cash
Forget financing



:mrgreen:
by Toons
Tue Aug 25, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 31412

Re: What is the best concert you ever witnessed?

James Brown -1964
Jimi Hendrix -1967

:mrgreen:
by Toons
Tue Aug 25, 2020 5:14 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard hide its phone number?
Replies: 52
Views: 4462

Re: Why does Vanguard hide its phone number?

Instant Google Search
"Contact Vanguard'

The Vanguard Group · Customer service
Phone 1 (877) 662-7447
Messenger -Chat online with a representative


:mrgreen:
by Toons
Mon Aug 24, 2020 4:49 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 9687

Re: A Plea for Ordinary English

Me speak in
Mono syl la bl es
When pos si ble
:mrgreen:
by Toons
Sun Aug 23, 2020 6:05 pm
Forum: Investing - Theory, News & General
Topic: Book recommendations for young adults/new investors
Replies: 21
Views: 1377

Re: Book recommendations for young adults/new investors

The Only Investment Guide You"ll Ever Need
Andrew Tobais(1975)
Updated Periodically


https://www.amazon.com/Only-Investment- ... b_title_bk




:mrgreen:
by Toons
Sun Aug 23, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?
Replies: 44
Views: 3190

Re: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?

I live in Tennessee.
Do yourself a favor
Take a Ride From Craggy Bottom To Boone,Nc.
On the Blue Ridge Parkway,,majestic
I never tire of it,,,all summer long
The Smokies are nice but it gets crowded.
:happy


Image
by Toons
Sun Aug 23, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16285

Re: Do you talk to your friends/family/coworkers about this stuff?

Only when asked.
If they can grasp the concept of "compounding"
I feel I have helped them.
Most don't get it though.


:mrgreen:
by Toons
Sun Aug 23, 2020 5:23 pm
Forum: Personal Investments
Topic: When is enough enough?
Replies: 73
Views: 6964

Re: When is enough enough?

When? For Me and my better half It was when we reached the point that we could wake up in the morning And do what we pleased with our time. To borrow from Bob Brinker's "Land Of Critical Mass" "A state of freedom from worry and anxiety about money due to the accumulation of assets which make it poss...
by Toons
Mon Aug 17, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: Retiring this Friday. Now what?
Replies: 99
Views: 8920

Re: Retiring this Friday. Now what?

Get Up And Start
"Walking"
:mrgreen:
by Toons
Sun Aug 16, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: PC Laptop Recommendations
Replies: 25
Views: 1818

Re: PC Laptop Recommendations

Lenovo 17" 699 More than enough computing power. :mrgreen: https://www.amazon.com/2019-Newest-Lenovo-IdeaPad-L340/dp/B088Q5CJFL/ref=sr_1_1?dchild=1&keywords=lenovo&qid=1597618663&refinements=p_72%3A1248879011%2Cp_85%3A2470955011%2Cp_n_size_browse-bin%3A7817234011&rnid=2242797011&rps=1&s=electronics&...
by Toons
Sun Aug 16, 2020 5:55 pm
Forum: Investing - Theory, News & General
Topic: VWINX clone [Vanguard Wellesley Income Fund]
Replies: 27
Views: 2176

Re: VWINX clone [Vanguard Wellesley Income Fund]

nisiprius wrote: Sun Aug 16, 2020 3:15 pm I don't see any compelling reason not to just go ahead and use Wellesley.

Ditto :thumbsup
by Toons
Sun Aug 16, 2020 5:53 pm
Forum: Personal Investments
Topic: Where do I put my money?
Replies: 10
Views: 1429

Re: Where do I put my money?

Well
If I was 86 as at this moment
Hopefully I will get there :happy (69)
I would be comfortable with putting a huge portion
In Vanguard Intermediate Tax Exempt.
Mind you that Is what I would do.
In my situation
:happy
by Toons
Sun Aug 16, 2020 12:55 pm
Forum: Personal Investments
Topic: Reinvesting 1M AAPL
Replies: 36
Views: 4170

Re: Reinvesting 1M AAPL

Pay Off The Mortgage
:mrgreen:
by Toons
Sat Aug 15, 2020 4:13 pm
Forum: Personal Investments
Topic: Wells Fargo or JP Morgan wealth management
Replies: 19
Views: 1915

Re: Wells Fargo or JP Morgan wealth management

And if you had say a million in your saving would you give it to the wealth management to handle and be charged 1.07
No

Vanguard Balanced Index Fund Admiral
Let it ride for decades
:mrgreen:
by Toons
Tue Aug 11, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: Won the game
Replies: 49
Views: 7578

Re: Won the game

What does winning the game means precisely? Objectively: You have paid off house You set aside a large fund for property taxes, insurance, repairs.. Fully paid healthcare or fund for premiums Long term care insurance 25 - 30x annual expenses The amount varies for every individual, but you are cover...
by Toons
Tue Aug 11, 2020 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What did you do when you won the game? Edited
Replies: 53
Views: 6614

Re: What did you do when you won the game? Edited

90/10 Before
70/30 After
Equity/Bond
We are fortunate to be able to do with our time what we please
:mrgreen:
by Toons
Tue Aug 11, 2020 10:30 am
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 158
Views: 11352

Re: Moving to Cash?

Do Nothing,
Keep Doing what you are doing.
Equities.
:happy
by Toons
Mon Aug 10, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Decision
Replies: 60
Views: 4090

Re: Auto Decision

While you are thinking about it
Pay off the student loan
Pay cash for a couple of Hondas
:mrgreen:
by Toons
Thu Aug 06, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Snowbirding on the AL/FLA coast?
Replies: 14
Views: 1276

Re: Snowbirding on the AL/FLA coast?

If you want to stay fairly warm Jan,Feb
You need to be Around the Naples -West Palm Beach latitude.
Panhandle gets cool and cooler Dec,Jan,Feb
:happy
by Toons
Mon Aug 03, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?
Replies: 66
Views: 6754

Re: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?

I've been mulling the idea of owning a 2nd home in the NC mountains (likely close to Beech/Banner Elk or Sugar Mountain) with the intent for it to be used by our (extended) family 6-10 weeks per year, and then possibly rent it out when we are not using it. My in-laws are also interested in this ide...
by Toons
Sun Aug 02, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8202

Re: What Car Maintenance Do You Do?

These days I go by the book
At the Dealer
I don't cherry pick
:happy
by Toons
Sun Aug 02, 2020 12:35 pm
Forum: Personal Investments
Topic: Ally Bank 1.25% savings .50 Moneymarket
Replies: 28
Views: 4295

Re: Ally Bank 1.25% savings .50 Moneymarket

whodidntante wrote: Mon May 11, 2020 6:35 pm Just think of the tax savings!

That is correct
The Glass Is Always
Half Full :beer
by Toons
Sun Aug 02, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: VWITX (Vanguard Intermediate Tax Exempt) Yields
Replies: 12
Views: 1268

Re: VWITX (Vanguard Intermediate Tax Exempt) Yields

I can't answer your questions intelligently. I can say I Exchanged My Funds in Total Bond to Intermediate Term Tax Exempt(VWIUX)about 7 years ago(not in a high tax bracket) And continued to and still do invest in the fund in our taxable account. Regarding yield and taxes(exempt) The move has moved o...