Search found 11299 matches

by Toons
Sat Feb 25, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep paper investment statements
Replies: 6
Views: 319

Re: How long to keep paper investment statements

Personally I stopped receiving paper statements many years ago.
If i need to view them,they are online.
Taxable and Non taxable(IRAs).
On rare occasions I many download year end and save to pdf.
Never print though
No issues whatsoever as of yet.
:happy
by Toons
Sat Feb 25, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: The Oracle Of Omaha-Invaluable Advice
Replies: 2
Views: 513

Re: The Oracle Of Omaha-Invaluable Advice

stemikger wrote:Thanks Toons!! Always good to remember when we are at market highs and fear the inevitable is right around the corner.



:thumbsup
by Toons
Sat Feb 25, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 31
Views: 2225

Re: Pre-retirement checklist, what is on yours?

I had one item on checklist before I retired.
To be debt free.
It was "checked"
:mrgreen:
by Toons
Sat Feb 25, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing frequency - Balanced funds
Replies: 6
Views: 296

Re: Rebalancing frequency - Balanced funds

Never heard of such a discussion,,,,
daily Rebalancing. :happy
by Toons
Sat Feb 25, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: "Simple" question about compounding
Replies: 17
Views: 857

Re: "Simple" question about compounding

Compounding =Shares Reinvested=Shares Reinvested on the Shares Reinvested ,on and on and on.
Math is Math.
1 fund or 20 funds...
shares and more shares . :happy
by Toons
Sat Feb 25, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 13
Views: 635

Re: Should we wait before buying in?

What difference does it make if the money is to be invested for years,decades.
You ,like all of us only have so much time allocated to us.(and we are not sure how much either :happy )
I say All in ,put the compounding machine to work asap
It was high when I started Dow 850 :happy
by Toons
Sat Feb 25, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: The Oracle Of Omaha-Invaluable Advice
Replies: 2
Views: 513

The Oracle Of Omaha-Invaluable Advice

To all those out there who have found themselves unable to withstand the "pain" ,whether it be financial or psychological during a major market decline,and wind up bailing out.Save this Warren Buffett quote somewhere so you can get at it handily...to soothe the spirit. :happy On Major Mark...
by Toons
Fri Feb 24, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: DRIP vs dollar cost average the dividends or buy a few days later
Replies: 3
Views: 196

Re: DRIP vs dollar cost average the dividends or buy a few days later

I Have always bought as Soon as I had the available cash.
Personal preference that is all.
Time,of which we all have a limited amount,to allow compounding to work it's magic, as opposed to
Timing :D
by Toons
Fri Feb 24, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 76
Views: 4233

Re: Market Run Ups - Now vs. Then

" I've lived through the 2000 and 2008-2009 market crashes. " Many years ago,Peter lynch ,manager of Fidelity Magellan said, "When it comes to investing,the strongest organ is not the brain,but the gut(stomach)" If one is steadily buying or even making large purchases ,those &quo...
by Toons
Fri Feb 24, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: S&P at 22 times multiple
Replies: 40
Views: 4472

Re: S&P at 22 times multiple

Keep investing as much as you can as often as you can :happy
Time flies by,,,,you blink you are 50.
Put compounding to work.
:happy
by Toons
Thu Feb 23, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Honda: buy new or used?
Replies: 29
Views: 1339

Re: Honda: buy new or used?

If you can afford it . Buy new. Honda owner here, Currently CRV Exl,,before that Crv,Fit,Civic :happy Don't mean to hijack this thread, but what year CRV? Do you like it? I think my wife wants one to replace her 2005 Accord Ex-L. Was there a reason you chose the EX-L over the Touring? No need for t...
by Toons
Thu Feb 23, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out 401k, IRA, and HSA?
Replies: 23
Views: 1501

Re: What to do after maxing out 401k, IRA, and HSA?

7 years, $130k remaining at 3.75%

Put it behind you as soon as you can :happy
by Toons
Thu Feb 23, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Honda: buy new or used?
Replies: 29
Views: 1339

Re: Honda: buy new or used?

If you can afford it .
Buy new.
Honda owner here,
Currently CRV Exl,,before that
Crv,Fit,Civic :happy
by Toons
Thu Feb 23, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Stay in cash until rates rise?
Replies: 27
Views: 2381

Re: Stay in cash until rates rise?

"I understand this smacks of market timing which I try to stay away from"as

I agree.
Stick to your asset allocation.
If it calls for more bonds then so be it.
As you know forecasting correctly is usually fruitless. :happy
by Toons
Wed Feb 22, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads work BECAUSE its hard
Replies: 22
Views: 2450

Re: Bogleheads work BECAUSE its hard

It wouldn't be any fun if it was easy :happy
by Toons
Wed Feb 22, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 37
Views: 1751

Re: Dishwasher suggestions. LG Quad Wash vs???

Bosch fan here.
Bought one about 3 months ago.
No regrets :happy
by Toons
Wed Feb 22, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 35
Views: 1547

Re: Best fencing for a dog

Electric Fence
:happy
by Toons
Wed Feb 22, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 2752

Re: Gold vs 401k

Gold "produces" nothing.
Invest in Companies that grow earnings over time,,via
Index Funds. :happy
by Toons
Wed Feb 22, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 93
Views: 5158

Re: BH thoughts on Time shares

Steer Clear.
As others have said,
High pressure.
All you are "buying" is a fixed amount of time during the calendar year.
Next to impossible to unload if you purchase. :happy

FYI
http://www.marketwatch.com/story/6-thin ... 2015-02-17
by Toons
Wed Feb 22, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Thank You! & One-Year Lookback
Replies: 2
Views: 252

Re: Thank You! & One-Year Lookback

Excellent job ,
well done
:happy
by Toons
Tue Feb 21, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 4551

Re: Is 60/40 too conservative for 31 year old?

malabargold wrote:It's fine.

I've been essentially 95-100% stocks since the
1960's, but big drops never have bothered me.

Any recipe that caters to your specific risk tolerance and keeps
you invested, and prevents waves of panic selling, and panic buying, is a good plan



Good Advice :sharebeer
by Toons
Tue Feb 21, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: When to Jump In
Replies: 17
Views: 1375

Re: When to Jump In

I know that one never should buy high but with the market where its presently at, how can I avoid this? The Dow was "high" 850 when I started investing around 1980. It has been high at various points along the ensuing 37 or so years. Currently it is near 21,000. I never stopped investing ...
by Toons
Tue Feb 21, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 29
Views: 2168

Re: Betterment, $500k in cash, no taxable events to transfer?

Personally I would open an account with Vanguard and consider investing in low cost index funds.
Be done with the .25 Betterment fee. :happy
by Toons
Tue Feb 21, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 4551

Re: Is 60/40 too conservative for 31 year old?

Totally agree with those that have said "nothing wrong' with that asset allocation.
A "sweet spot" when it comes to investing ,
in my humble opinion 60/40 :happy
by Toons
Tue Feb 21, 2017 6:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 117
Views: 17757

Re: Sad News About a Respected Forum Member

Lee proudly served our country during the Vietnam War in the United States Air Force. "

God Bless :thumbsup
by Toons
Tue Feb 21, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: "High conviction investing"
Replies: 26
Views: 1339

Re: "High conviction investing"

"why be happy with average returns?"

Many people ,including me ,have met their goals with "average" returns.
"Beating The Market" never did interest me
:happy
by Toons
Tue Feb 21, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 183
Views: 10200

Re: Extreme Valuations, and why you should reconsider

Sounds like a good reason to keep investing as much as you can as often as you can :happy
The economy will keep chugging along like it has for the last several hundred years.
by Toons
Tue Feb 21, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 58
Views: 6219

Re: What are the big things to get right?

Work Smart ,Disciplined and Hard.
:happy
by Toons
Tue Feb 21, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4749

Re: Desktop Computer - Still relevant? Good investment?

I have found you can get so much "desktop",processor etc for so little money that it is good to have one around.
I use the chromebook and phone most of the time but still have a need for Windows 10 computer on occasion. :happy
by Toons
Tue Feb 21, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Why TBM (total bond market)?
Replies: 17
Views: 2223

Re: Why TBM (total bond market)?

Diversification
:happy
by Toons
Tue Feb 21, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 507

Re: Auto Finance question

Get a 72 month or less..
preferably less,
Save more,
Pay it off early as you said
if not sooner.
Forget financing whole amount.
:happy
by Toons
Tue Feb 21, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Help on I-10 west from FL to NM
Replies: 13
Views: 778

Re: Help on I-10 west from FL to NM

Last fall I took an extended road trip out to New Mexico from TN. On the way back I wanted to go along Gulf Shores ,,,over to Destin viewing the gulf as much as possible, I tried to avoid major cities. Below is the basic route I took,,,, use google maps to aid you. :D http://i66.tinypic.com/20t1qax....
by Toons
Tue Feb 21, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5101

Re: Do you replace your electrical switches/outlets or use an electrician?

Replace our own.
Not necessary to turn power off but I ALWAYS do,
Breakers are labeled in box,
If you are unsure ,
turn off the main. :happy
by Toons
Mon Feb 20, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 905

Re: Reinvesting dividends and cap gains in taxable account

Reinvesting =Compounding
Eighth Wonder Of the World.
Regarding taxes.
Vanguard tracks the cost basis no problem.

:happy :happy
by Toons
Mon Feb 20, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3415

Re: Thinking of Leaving Vanguard Personal Advisory program

How much advice does one need if they own several mutual funds.
Hold em for life,,for the most part. :happy
by Toons
Mon Feb 20, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Fund in Taxable
Replies: 5
Views: 446

Re: Municipal Bond Fund in Taxable

Vanguard Intermediate Term Tax Exempt Admiral
:happy
by Toons
Mon Feb 20, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 37
Views: 2640

Re: Utility Bills - How do ours compare?

1500sq ft
1000 Electric last year
700 water(septic tank)
350 propane(2 fireplaces)
:happy
by Toons
Mon Feb 20, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: When do you need an annuity?.
Replies: 25
Views: 2329

Re: When do you need an annuity?.

David Jay wrote:If you have 30X expenses in your retirement portfolio you do not need an annuity.

If you have a marginal portfolio, the mortality credit of an SPIA provides greater payouts for very long longevity and a guaranteed income stream.



+1 :happy
by Toons
Mon Feb 20, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 3971

Re: Once having achieved 30X -- share your strategy?

Strategy?
Enjoy each day to the fullest,
Keep Smilin.
My "needs" are met. :happy
by Toons
Mon Feb 20, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 6328

Re: 20% bonds: why bother at 48?

"However, if I'm not concerned about a bumpy road during the next 10 years or so
"
No need for you to bother,given that statement.
Go 100% equities :happy
by Toons
Mon Feb 20, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Cost of tax preparation
Replies: 43
Views: 3233

Re: Cost of tax preparation

I am paying about 35 dollars this year federal and state
TaxAct
Nothing complicated,
Several 1099-Div,Int,B
Pensions
SS.

Years back I had K-1 partnerships,home sales ,salaries,,etc etc.
Never paid more than 70.That was with TurboTax.
:happy
by Toons
Sun Feb 19, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do Taxes work with Mutual funds.
Replies: 21
Views: 1386

Re: How do Taxes work with Mutual funds.

Allow me to ask a corollary question. I can write checks off VFSUX {Vanguard Short-Term Investment-Grade Fund Admiral Shares} that I have held more than a year in my brokerage account. When I write these checks is this considered a taxable event and, if so, am I taxed at the 15% rate? If you are se...
by Toons
Sun Feb 19, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: Primecap Admiral Fund VPMAX
Replies: 14
Views: 1180

Re: Primecap Admiral Fund VPMAX

Be careful of judging a fund on "past performance" when thinking about the future.
Having said that,I have owned Vanguard Primecap Core for about 12 years now.
I am pleased with its performance when compared to its benchmark,but full well know
it has no bearing on future performance. :happy
by Toons
Sun Feb 19, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: capital gains on sale of home
Replies: 6
Views: 487

Re: capital gains on sale of home

FYI :happy "If you owned and lived in the place for two of the five years before the sale, then up to $250,000 of profit is tax-free. If you are married and file a joint return, the tax-free amount doubles to $500,000. The law lets you "exclude" this much otherwise taxable profit from...
by Toons
Sun Feb 19, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring from Waddell and Reed to Vanguard
Replies: 4
Views: 391

Re: Transferring from Waddell and Reed to Vanguard

When I transferred assets to Vanguard they answered any and all questions I asked.
You might want to give them a call :happy

https://investor.vanguard.com/account-t ... sfer-money
by Toons
Sun Feb 19, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 34
Views: 2651

Re: Wifi Router Advice


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