Search found 11479 matches

by Toons
Wed Mar 29, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 12
Views: 456

Re: quickest or best way to learn Spanish?

I have been using Duolingo since April of last year ,every single day,,,not missing one. That coupled with many Youtube videos. Watching Spanish Cartoons, Spanish tv shows on Netflix.... Day in ,day out,,immersion. It takes practice practice..but it gets better and becomes enjoyable as time goes by,...
by Toons
Wed Mar 29, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 44
Views: 2572

Re: Stay the course, always?

You could go Vangaurd Life Strategy Moderate Growth,,or Vanguard Balanced Index Fund,,, For Life . Never give it another moments thought. :happy Yes I can see that. Is the Balanced fund Total Stock (60) Total Bound (40)? Thanks FYI :wink: "The fund invests roughly 60% in stocks and 40% in bond...
by Toons
Wed Mar 29, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: When do you plan to die?
Replies: 53
Views: 1658

Re: When do you plan to die?

107 Years Of Age
:mrgreen:
by Toons
Wed Mar 29, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 44
Views: 1650

Re: anyone factor in future inheritance?

No,
If i had....I am afraid of may have gotten lazy in the workforce :mrgreen:
by Toons
Wed Mar 29, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 44
Views: 2572

Re: Stay the course, always?

You could go Vangaurd Life Strategy Moderate Growth,,or Vanguard Balanced Index Fund,,, For Life . Never give it another moments thought. :happy Toons is right. If you're young or can handle more risk go with Life Strategy Growth and when you retire move to Life Strategy Moderate Growth or Conserva...
by Toons
Wed Mar 29, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 44
Views: 2572

Re: Stay the course, always?

You could go Vangaurd Life Strategy Moderate Growth,,or
Vanguard Balanced Index Fund,,,
For Life .
Never give it another moments thought. :happy
by Toons
Tue Mar 28, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy in Roth
Replies: 6
Views: 1118

Re: Life Strategy in Roth

I have owned Life strategy Growth in a Roth since 1997. Without a doubt,reinvest the dividends and capital gains in additional shares. Put the tax free (upon withdrawal)compounding machine to work for you,and keep contributing to your Roth. You will be well rewarded. As Taylor mentioned, Stay the Co...
by Toons
Tue Mar 28, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2158

Re: How to easily organize personal finances

" how do you all organize your personal finances in a simple, easy way " Quicken :happy https://www.quicken.com/quicken2017starterpromo?priorityCode=1337900000&utm_medium=cpc&cid=ppc_gg_b_stan_402-5275432-4671607-164919515739&utm_source=google&utm_campaign=CUS__Brand%20Qui...
by Toons
Tue Mar 28, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 15
Views: 945

Re: Sound Strategy?

have a fairly nice inheritance on top of a significant salary increase in the near future, 35k @ 1%? Any debt to pay down? Considering investing if not,given what you said in the sentence. :happy should I be even more "aggressive"? buy some admiral total international in my taxable? [then...
by Toons
Tue Mar 28, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: 200K+ Cash- Where to put it?
Replies: 13
Views: 1887

Re: 200K+ Cash- Where to put it?

Vanguard Balanced Index Fund
:happy
by Toons
Tue Mar 28, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Chores for elementary school age kids?
Replies: 14
Views: 842

Re: Chores for elementary school age kids?

6 and 9?
They are over due.
Start picking up and cleaning their rooms,consistently
Use common sense .
When you need assistance "tell" them what you need and how often.
Repeat,Repeat,Repeat
:happy
by Toons
Tue Mar 28, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2158

Re: How to easily organize personal finances

" how do you all organize your personal finances in a simple, easy way " Quicken :happy https://www.quicken.com/quicken2017starterpromo?priorityCode=1337900000&utm_medium=cpc&cid=ppc_gg_b_stan_402-5275432-4671607-164919515739&utm_source=google&utm_campaign=CUS__Brand%20Quic...
by Toons
Tue Mar 28, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 39
Views: 3479

Re: Daugther's Credit Card Windfall

Do the "Right"Thing.
Call.
:happy
by Toons
Tue Mar 28, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4189

Re: Daughter maxed out credit cards, needs help from me

Tell her to figure it out for herself.
She will be better off in the short and long run.
:happy
by Toons
Tue Mar 28, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Should we take 0.9% auto financing?
Replies: 27
Views: 1690

Re: Should we take 0.9% auto financing?

" shall we pay cash?"

Yes.
:happy
by Toons
Tue Mar 28, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 15
Views: 945

Re: Sound Strategy?

have a fairly nice inheritance on top of a significant salary increase in the near future,

35k @ 1%?
Any debt to pay down?
Considering investing if not,given what you said in the sentence. :happy
by Toons
Tue Mar 28, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 86
Views: 6951

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

It won't change a thing. The guy is trying to make a living. Most people have to. Just so happens he is in sales. Move on :happy Exactly. I don't understand the point of a post like this other than to stir up those that take the bait. It's all been said a million times before. Nothing to see here. ...
by Toons
Tue Mar 28, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 5685

Re: What's your strategy for withdrawing funds in Retirement ?

66- Retired about 6 years. So far Pensions,SS,Dividends ,Cap gains From Stocks and Mutual funds in taxable account are sufficient. Have not needed to touch Iras. :happy 66 +6 = 72. Are you not taking Required Minimum Distributions? No need for RMDs as of yet,,, Will take it when I find it necessary...
by Toons
Tue Mar 28, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3400
Views: 862958

Re: U.S. stocks in freefall

Lest We Forget :happy " The Dow Jones industrial average (INDU) lost 80 points, or 1.2%, to end at 6,547.05, its lowest point since April 15, 1997. " "The Nasdaq composite (COMP) lost 25 points or 2%, to end at 1,268.64, its lowest point since Oct. 9, 2002 ." Was everyone eagerly...
by Toons
Tue Mar 28, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Picture / video / file backup
Replies: 44
Views: 1013

Re: Picture / video / file backup

Google Drive.
Amazon Photo Storage.
I use em both
:happy
by Toons
Tue Mar 28, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Where can I buy Vanguard Funds w/o Fees ?
Replies: 37
Views: 2508

Re: Where can I buy Vanguard Funds w/o Fees ?

Think it through.
How much customer service do you need to Dollar Cost Average into a mutual that..
You will be holding for many years :happy
by Toons
Tue Mar 28, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 44
Views: 5530

Re: PurePoint 1.25% online savings $10K min

One downside: yet another institution having your confidential info. So, potential hacks into this bank puts your identity at more risk. Also, depending on how this bank shares your info with "affiliates" (even if you limit sharing, it takes some time before such settings take effect, dep...
by Toons
Mon Mar 27, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-Term investing?
Replies: 7
Views: 575

Re: Mid-Term investing?

Vanguard has a good read on investing. :happy

https://investor.vanguard.com/retiremen ... priorities
by Toons
Mon Mar 27, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 39
Views: 2193

Re: Best take it everywhere camera

I have several nice Sony cameras...but I find myself using the camera that comes with the...
Samsung S7- :happy
by Toons
Mon Mar 27, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 86
Views: 6951

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

It won't change a thing.
The guy is trying to make a living.
Most people have to.
Just so happens he is in sales.
Move on :happy
by Toons
Mon Mar 27, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 5685

Re: What's your strategy for withdrawing funds in Retirement ?

66- Retired about 6 years.
So far
Pensions,SS,Dividends ,Cap gains From Stocks and Mutual funds in taxable account are sufficient.
Have not needed to touch Iras.
:happy
by Toons
Mon Mar 27, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Red light camera Fort Worth
Replies: 50
Views: 2663

Re: Red light camera Fort Worth

bloom2708 wrote:Pay it and move on.


+1 :happy
Exactly :happy
by Toons
Mon Mar 27, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 106
Views: 5667

Re: Weathering sell-off days like today

Find something you enjoy doing,,,,,
Then do it. :mrgreen:
by Toons
Mon Mar 27, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 69
Views: 3731

Re: A SUV for towing a Travel Trailer

Class B is not for everyone. Works for me as I am always out side or mobile. 12 minutes to pick up and go from site. Enjoy the option to park almost anywhere at a moments notice and do as I please. Use it as a second vehicle also.... Sometimes we will go to the grocery store for a few things ,,,next...
by Toons
Mon Mar 27, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 781

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

I own quite a few space heaters from 100.00 down, This little pelonis space hearter in the link below is simply amazing. I picked up 3 of them from walmart last fall for about 9 bucks each, One stays in the rv with me when I need added heat,,does the job. The other 2 around the house. Yes the big on...
by Toons
Mon Mar 27, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Honda
Replies: 58
Views: 3917

Re: Toyota vs. Honda

6 in one hand,
Half a dozen in the other. :happy
1.Honda
3.Toyota
I haved owned both,
Currently Honda.
I repeat either /or
:happy

http://www.cbsnews.com/news/honda-tops- ... to-makers/
by Toons
Mon Mar 27, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 53
Views: 3103

Re: Our technology is old...advice on upgrading...

Start with a ChromeBook :happy
by Toons
Mon Mar 27, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: How much to invest in 401k vs taxable account.
Replies: 34
Views: 1776

Re: How much to invest in 401k vs taxable account.

Max out the 401k
Take full advantage of all the tax deferred ,tax free compounding you can.
Start the taxable after that :happy
by Toons
Sun Mar 26, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Does living at the beach reduce it's appeal?
Replies: 33
Views: 4200

Re: Does living at the beach reduce it's appeal?

For the most part,,
Daily viewing becomes routine
Familiarity.The newness wears thin.
I see a lot of bodies of water in my travels,beaches,lakes etc.
I find myself wanting to discover something different on each journey though,,,,
so it doesn't become familiar and routine. :happy
by Toons
Fri Mar 24, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: How should I evaluate these Vanguard funds?
Replies: 14
Views: 1146

Re: How should I evaluate these Vanguard funds?

I chose Primecap Core in 2005 as a way to "hire" Wellington management to invest and manage the money in the technology and healthcare sectors of the market.Over the very long term,,mimimum 10 year timeframe. So far so good ,,patience. Vanguard Index funds I chose as a way to take what the...
by Toons
Fri Mar 24, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity IRA ?
Replies: 9
Views: 502

Re: Vanguard or Fidelity IRA ?

No expert here,,,at anything really :happy
My recommendation?
Vanguard.
by Toons
Fri Mar 24, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 19
Views: 1896

Re: Emergency Fund...Savings, Money Market, or CD?

As someone else said.
Invest the money.
Vanguard Balanced Index Fund. :happy
by Toons
Fri Mar 24, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Wimbledon 2017 - Experiences?
Replies: 10
Views: 744

Re: Wimbledon 2017 - Experiences?

You only live once.
If you want to go.
Make it happen.
Don't waste time thinking about ticket prices.
It is what it is.
If you don't use the ticket,
someone else will.
Enjoy :D
by Toons
Fri Mar 24, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 723

Re: Thoughts on Capital One 360 Money Market account for use as checking account?

JoMoney wrote:Why not open a free Capital One 360 checking account (maybe even get a cash bonus to open one), and a Money Market ?
Then once a month transfer any excess from the checking to the Money Market...


+1
Bingo
That is how I work it :happy
by Toons
Fri Mar 24, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21089

Re: Quicken's future direction - a cause for concern

Hi All, I respect that this forum is full of people that hate spending money. What else would one expect from committed Bogleheads? That said -- I have watched what has happened to Quicken over the years, and am THRILLED with the idea of Quicken switching to a subscription model, which would involv...
by Toons
Fri Mar 24, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 41
Views: 1983

Re: What online bank do you use?

Capital One 360.
For many years(used to be ING direct)
:happy
(not affiliated)
https://www.capitalone.com/checking-acc ... g-account/
by Toons
Fri Mar 24, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Splurge Budget
Replies: 10
Views: 1175

Re: Splurge Budget

I can't emphasize it enough.
If you have money left over and want to enjoy it ,
by all means do it.
That is what you work for.
Life flies by.
Enjoy :happy
by Toons
Fri Mar 24, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dizzying Medicare options [in Massachusetts]
Replies: 58
Views: 2907

Re: Dizzying Medicare options

Plan G
Mutual Of Omaha Supplemental
Humana Prescription Plan(walmart)
:happy
by Toons
Thu Mar 23, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 11
Views: 914

Re: dollar cost averaging

"There`s not much optimism out there with bombs exploding, police being assaulted, demonstrations scattered all over etc"

Investing has nothing to do with the above mentioned.
Investing pertains to the economy and its growth.
Put your money to work.
Time not Timing :happy
by Toons
Thu Mar 23, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Funds in Roth account?
Replies: 10
Views: 1070

Re: Which Vanguard Funds in Roth account?

Vanguard Wellesley Income.
:happy
by Toons
Thu Mar 23, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 3612

Re: How did you do your income taxes?

TaxAct per usual
Fed/State- $30.83
Online Version. :happy

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