Search found 12140 matches

by Toons
Tue Jan 16, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 52
Views: 3272

Re: Anyone pondering moving to a cheaper place and downsizing?

We did it 6 years ago.
To Tn.
1400sq feet.
Minimalist.
As I slowly age and walk from one room to the next....
A sigh of relief..
Less truly is more.


:happy
by Toons
Tue Jan 16, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 39
Views: 2350

Re: Vanguard Tax Forms Now Online

Entered Into TaxAct









:happy
by Toons
Tue Jan 16, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 25
Views: 1461

Re: Need to buy new printer. Suggestions for best value?

My Canon Pixma is similar to this one. Excellent in all respects.(wireless) I print occasionally. When I need cartridges I go to ebay. Color and Black on the way now for 20.00 total. https://www.walmart.com/ip/Canon-PIXMA-MX490-Wireless-Office-All-in-One-Printer-Copier-Scanner-Fax-Machine/45830928 :...
by Toons
Tue Jan 16, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting Vs Savings Rate
Replies: 65
Views: 4233

Re: Budgeting Vs Savings Rate

We always managed to save 30% sometimes more while working.
Did we "need" a budget.
Maybe Not.
Quicken enabled me to zero in where monies were going.
Invaluable tool.
I enjoy the numbers anyway.



:mrgreen:
by Toons
Tue Jan 16, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 18207

Re: Are you finding any good values at Amazon anymore?

I think these flashlights "were" good value.
I paid 13.99.
Next Day they were
17.99


Image

:mrgreen:
by Toons
Tue Jan 16, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 83
Views: 5540

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

What specific behaviors do you observe that make that light bulb go off in your head?

After a pattern continues long enough that the masses think it is the "New Norm".
Record ,Massive Inflows to an asset class.
Chasing Performance.
Greed.



:mrgreen: :mrgreen:
by Toons
Tue Jan 16, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 87
Views: 8459

Re: Besides Bogleheads, What Are Your Favorite Forums?

Nada :happy I am with Toons as usual. No Facebook account, no LinkedIn, try to limit my use of internet and smart phones, prefer to read WSJ and NYT and read good books and play golf with friends and enjoying evening wine and dinner conversation with wife and friends. When go to gym which do severa...
by Toons
Tue Jan 16, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?
Replies: 18
Views: 2559

Re: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?

sambb wrote:
Mon Jan 15, 2018 9:27 pm
doesnt matter to me - if i do as well as the overall market, not better or worse, i will achieve my financial goals.

+1 :happy
by Toons
Mon Jan 15, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 42
Views: 3484

Re: why emergency savings?

I think I would let the 20k stay where it is.
:happy
by Toons
Mon Jan 15, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1443

Re: FlipPhone

by Toons
Mon Jan 15, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 28
Views: 1321

Re: Recommend an A.C. powered auto tire inflator

This Kobalt has been done the job for us.
I carry it in the Rv and use it to inflate tires if needed.
Also use it with bikes,car,etc.
Lowes had the best price last time I checked.

Model # KL12DD

:happy

Image
by Toons
Mon Jan 15, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 16
Views: 1537

Re: 50/50 AA recommended by Benjamin Graham

Isn't a 50/50 Stock/Bond AA relatively high stock allocation for most? In the book titled The Intelligent Investor why does Benjamin Graham recommend this for most folks? I think he looks at this as the optimal for most but does suggest a range. I believe his suggestion is no less than 25% in stock...
by Toons
Mon Jan 15, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 34
Views: 5250

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

Call_Me_Op wrote:
Mon Jan 15, 2018 8:11 am
Toons wrote:
Fri Jan 12, 2018 12:43 pm
60/40
50/50
Forget About It
:happy
Anyone for 40/60? :wink:
Sounds Great To Me
:sharebeer
by Toons
Sun Jan 14, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3095

Re: How long do you save tax returns?

In pdf format
Stored On Computer and
Google Drive
They don't take up much space
Kilobytes each.
7 years.
No paper
:happy
by Toons
Sun Jan 14, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes
Replies: 25
Views: 2726

Re: Estimated taxes

I "made" more due to increasing dividends and capital gains payouts this
My fourth quarter payment will reflect that. :happy
by Toons
Sun Jan 14, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 2800

Re: Any high-end skincare products worth it?

I use equate brand products from Walmart.
Works just fine. :happy
by Toons
Sun Jan 14, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1297

Re: Anyone Gone All the Way with LastPass?

All Passwords are in LastPass.
For many years.
Taxes,,banking,,investing,,on and on.
Access from any device,,which I do,
All the time. :happy
by Toons
Sun Jan 14, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 27913

Re: Where to retire in Florida?

South Florida..,
Middle of the State,
Less Crowded,
You can get to either coast in a relatively short while.
:happy
by Toons
Sun Jan 14, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2100

Re: Do you correct cashier mistakes?

If there is one to correct,
Then Yes either for me or them.
by Toons
Sat Jan 13, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 52
Views: 4687

Re: Getting your spouse on the same page

For Starters.
Both Of You Sit Down Together.
Hammer out a strict budget Together.
Stick To It Together.
You Will Be Rewarded ,Together.
Live Beneath Your Means.




:happy
by Toons
Sat Jan 13, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest Emergency Fund
Replies: 11
Views: 654

Re: Where to Invest Emergency Fund

Capital One 360 Money Market :happy

https://www.capitalone.com/bank/savings ... t-account/

Or
Lifestrategy Conservative Growth
Or
A combination of Both
:happy
by Toons
Sat Jan 13, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7661

Re: Heading for a top?

I have no control over it, Why Fret.(Nothing to Fret About) Corrections,Bear Markets are healthy . That is when wealth is created (ifyou are steady buying) You just don't know it at the time. Invest. Reinvest :happy This is certainly true. The money that's accumulating in our accounts now its a res...
by Toons
Sat Jan 13, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 33
Views: 2134

Re: Vanguard Personal Advisory Services Fees

You say you are "near" retirement.
Give it some more thought.
No need for kneed jerk movements right now.
I agree ,a lot of money for a seven figure portfolio Of Index Funds.
Whats to manage.Take the dividends in cash.
:happy
by Toons
Sat Jan 13, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: 401K: Should I manage this myself?
Replies: 17
Views: 1057

Re: 401K: Should I manage this myself?

I suggest Vanguard LifeStrategy Moderate Growth.
60/40
Keep It Simple
:happy
by Toons
Sat Jan 13, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7661

Re: Heading for a top?

I have no control over it,
Why Fret.(Nothing to Fret About)
Corrections,Bear Markets are healthy .
That is when wealth is created (ifyou are steady buying)
You just don't know it at the time.
Invest.
Reinvest


:happy
by Toons
Fri Jan 12, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 1713

Re: Insurance: Who do you use? (Auto/Home)

Geico
For 10 Years Now.
by Toons
Fri Jan 12, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Spoke with Vanguard today about managed account
Replies: 5
Views: 550

Re: Spoke with Vanguard today about managed account

Just Curious
40/60 Sounds like Vanguard Conservative Growth.
No management fee.
Other Than Expense Ratio.
It has worked and continues to work for me :happy
by Toons
Fri Jan 12, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4346

Re: Almost a pathological fear of debt, to my detriment?

"like my car loan"

No,
Free the Mind,
Remain Debt Free.
Do Not Be A Slave To The Lender


:happy
by Toons
Fri Jan 12, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4399

Re: Help me stop my addiction to stock market peeping!

Pigeye Brewster wrote:
Fri Jan 12, 2018 10:45 am
Toons wrote:
Thu Jan 11, 2018 8:48 am
Put a couple rubber bands on your wrist,
Every time you "peek".
Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect.
It will aid you in "conditioning" your behavior
http://www.collaborativefund.com/blog/t ... certainty/

:beer
Skinner Excellent
by Toons
Fri Jan 12, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 46
Views: 2497

Re: Keeping sensitive documents in the cloud -- bad idea?

I guess I could fret about it...
what good is it going to do me.
Everything stored In Google Drive.
:happy
by Toons
Thu Jan 11, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3526

Re: Profiles Of Some Successful Investors

Once again.
Hold for decades.
Reinvest the Dividends.
The Miracle Of Compounding At Work
For "You"





:mrgreen:
by Toons
Thu Jan 11, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Stock/bond mix
Replies: 5
Views: 336

Re: Stock/bond mix

"At present, I feel very comfortable
with 55% stocks."
Good ,Stick With It.
Check Out Vanguard Lifestrategy Conservative Growth for both Income and Growth :happy
by Toons
Thu Jan 11, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Who Reads Mutual Fund Annual Reports
Replies: 7
Views: 377

Re: Who Reads Mutual Fund Annual Reports

I used to years ago.
As Taylor mentioned though,
Time is Precious,
The market will do what it will do.
:happy
by Toons
Thu Jan 11, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4399

Re: Help me stop my addiction to stock market peeping!

Toons wrote:
Thu Jan 11, 2018 8:48 am
Put a couple rubber bands on your wrist,
Every time you "peek".
Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect.
It will aid you in "conditioning" your behavior
:happy

:thumbsup
It has helped me break several bad habits
by Toons
Thu Jan 11, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: How often should my AA adjust?
Replies: 17
Views: 964

Re: How often should my AA adjust?

Adjust to your
"Sleep Well Point"
Whenever and Whatever that may be.
:happy
by Toons
Thu Jan 11, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Please help guide me to retirement. 401K info added
Replies: 17
Views: 1108

Re: Please help guide me on my road to retirement

" House- Owe 238k left on loan @ 4.5% for 30 yrs. Refinanced about 6 months ago to take out money for the land we purchased. Recently appraised for $315k Land- Owe $102k left on $110k loan @ 3.5% for 4yrs. About 3.5yrs remaining. Rough land appraisal $180k Auto loan #1- Owe $28k on $35k loan @ 5.9% ...
by Toons
Thu Jan 11, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Buffett on bonds
Replies: 34
Views: 4926

Re: Buffet on bonds

"Large vessels may venture more, but little boats should keep near shore." Attributed to Ben Franklin. What's 'right' for the QE2 isn't necessarily 'right' for a canoe - and vice versa. The principle works the same when your portfolio is 4-5-6-7 digits long compared to someone with an 11 digit long...
by Toons
Thu Jan 11, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Buy bonds until market correction
Replies: 28
Views: 2286

Re: Buy bonds until market correction

"don't think that now is a good moment to do so"

If you are thinking at bare minimum 10 years or less then,
no it is not a good time to invest in the equity markets
Time Not Timing.
:happy
by Toons
Thu Jan 11, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4399

Re: Help me stop my addiction to stock market peeping!

Put a couple rubber bands on your wrist,
Every time you "peek".
Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect.
It will aid you in "conditioning" your behavior
:happy
by Toons
Thu Jan 11, 2018 8:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 101
Views: 7543

Re: Post your Financial Milestone Announcements Here

To quote Bob Brinker, My spouse and I are in the , "Land Of Critical Mass",and have been so for quite a while. Keeping debt to a bare minimum,investing frequently(reinvesting)got us there. Count Our Blessings Every Day. :happy If you will. . . what is the "Land of Critical Mass"? Never heard that b...
by Toons
Wed Jan 10, 2018 3:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 101
Views: 7543

Re: Post your Financial Milestone Announcements Here

To quote Bob Brinker,
My spouse and I are in the ,
"Land Of Critical Mass",and have been so for quite a while.
Keeping debt to a bare minimum,investing frequently(reinvesting)got us there.
Count Our Blessings Every Day.
:happy
by Toons
Wed Jan 10, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use a CPA for my taxes this year?
Replies: 9
Views: 706

Re: Should I use a CPA for my taxes this year?

Trust Yourself.
Confidence.
You can do it.
Tackling the unknown will help you learn :happy
by Toons
Wed Jan 10, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 498

Re: antivirus for windows 7

bloom2708 wrote:
Wed Jan 10, 2018 11:52 am
Windows Defender should cover the 80%.

I have used ADW Cleaner (free) a few times to remove something Defender cannot find. It does a quick scan and then you can clear malicious items.

+1 :happy