Search found 12381 matches

by Toons
Tue Feb 20, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance question
Replies: 7
Views: 281

Re: Life insurance question

Term insurance Over the years.
Save and invest enough along the way so that you might have the option to ,
"Self Insure" in your later years,
If you so choose.








:idea: :idea:
by Toons
Tue Feb 20, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: How big is the 'Madoff risk' -- All of your money at one advisor?
Replies: 18
Views: 1594

Re: How big is the 'Madoff risk' -- All of your money at one advisor?

I guess it depends on the Advisor as was well learned with those invested with Madoff.
No concern whatsoever with Vanguard
:happy
by Toons
Tue Feb 20, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 19
Views: 697

Re: Furnace Setting for Vacation

When we head South During the Winter.
I like 60 at our home in Tn.
Having a Wi fi thermostat though is immense.
Change it accordingly If I so choose.




:idea: :idea:
by Toons
Tue Feb 20, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 61
Views: 7110

Re: How many of you use the "4% rule" during retirement?

6 years in ,when haven't needed to.
Pensions
SS
Divs are sufficient. :happy
by Toons
Mon Feb 19, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1819

Re: Seeing Yellowstone National Park

Yellowstone was just too crowded for my style in June.
Spent a day driving thru in the Rv pullling off looking at various sites.
If I was to do it over ,would probably go 1st part of May. :happy
by Toons
Mon Feb 19, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: short-term car fund in tax-exempt munis or high interest savings account
Replies: 7
Views: 226

Re: short-term car fund in tax-exempt munis or high interest savings account

Like you said ,talking about a couple hundred dollars here,maybe ,
I wouldn't waste time chasing yield.
Personally I would go with savings account and be done with it.

:happy
by Toons
Mon Feb 19, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Sister is a good saver...she wants to buy a house now
Replies: 9
Views: 898

Re: Sister is a good saver...she wants to buy a house now

1.I would buy a condo
2.Spend less than 300k
3.Pay cash.




:wink:
by Toons
Mon Feb 19, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2225

Re: Is window replacement this expensive?

Lowes recently installed 12 Vinyl Pella Series250 windows in our home.Standard Windows. 6200.00 We happened to catch a sale price. 5% off if you use the Advantage Card. Excellent installation. Installer noticed a little glue that was slightly noticeable in 3 of the windows,unacceptable he said :happ...
by Toons
Mon Feb 19, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Best place to buy contact lenses online
Replies: 7
Views: 601

Re: Best place to buy contact lenses online

Costco
WalMart.






:idea:
by Toons
Mon Feb 19, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I payoff my Mortgage?
Replies: 25
Views: 1427

Re: Should I payoff my Mortgage?

Yes
Debt Free.






:wink:
by Toons
Mon Feb 19, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 76
Views: 6564

Re: Bogleheads with $100K+ MSRP cars?

Mercedes 2500 Class B
We use it as a second vehicle.
Justification?
No need for that.
It is what we wanted.







8-)
by Toons
Mon Feb 19, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: I think we can swing this! ($1M retirement home)
Replies: 27
Views: 3242

Re: I think we can swing this! ($1M retirement home)

Go for it!
Personally at that age I would down size to something no more than 250k,
Pay Cash.
No more than 2000 sq ft.(no maid service here,no desire to clean more space )
:D
by Toons
Mon Feb 19, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: High ER funds with large cap gains - what to do ?
Replies: 7
Views: 531

Re: High ER funds with large cap gains - what to do ?

I have a fund that paid out five figures in cap gains this year. It varies from year to year. Some years negligible . Some years large. I take the divs and cap gains in cash and spend or invest elsewhere. Taxes? I pay what I owe. I don't of time fretting over the taxes, If my marginal rate changes,s...
by Toons
Mon Feb 19, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1397

Re: Is it "cute" to invest in sector funds?

Predicting sector fund performance is easy, Getting it right nearly impossible.If I was "forced" to make a choice in sector funds for now and the future, Technology and Healthcare would be my choice(s) They ALL fall in and out of favor over time . Reversion To The Mean. Stick with a total market ind...
by Toons
Mon Feb 19, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 23
Views: 3710

Re: Paying off $372000 mortgage in 12 months

Pay Off Aggressively.
Laser Like Focus....
Kudos To You :sharebeer
by Toons
Mon Feb 19, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question
Replies: 14
Views: 818

Re: Emergency fund question

WIRENUT wrote:
Sun Feb 18, 2018 1:17 pm
Toons wrote:
Sun Feb 18, 2018 9:08 am
From The Wiki :happy
https://www.bogleheads.org/wiki/Emergency_fund
This was a very helpful read!
Great :happy
by Toons
Mon Feb 19, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2140

Re: GEICO Auto Shady Practice?

Never have been pushy with me. I do subscribe to their roadside service 4.00 -2018 Honda Civic 16.00-Class B/RV :happy Same here and also take the Roadside. Actually, they have been the opposite of pushy and even volunteered I could take a vehicle safety course online for an extra discount. Took it...
by Toons
Sun Feb 18, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2140

Re: GEICO Auto Shady Practice?

Never have been pushy with me.
I do subscribe to their roadside service
4.00 -2018 Honda Civic
16.00-Class B/RV


:happy
by Toons
Sat Feb 17, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 13
Views: 528

Re: The Final Frontier...just did my own taxes!

Congratulations Are In Order!!
Look at how much you learned and
The confidence that was bolstered
:happy
by Toons
Sat Feb 17, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2489

Re: USAA 41% More For Car Insurance

Shop Geico
Get A Quote Online.
Not Affiliated :happy
by Toons
Sat Feb 17, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 44
Views: 2570

Re: Which book for an 18 year old who is asking about investing?

The Only Investment Guide You''ll Ever Need Andrew Tobias, Check Your Library. https://books.google.com/books?id=DW8pCgAAQBAJ&printsec=frontcover&source=gbs_ge_summary_r&cad=0#v=onepage&q&f=false https://www.amazon.com/Only-Investment-Guide-Youll-Ever-ebook/dp/B011H55NBM/ref=sr_1_1?ie=UTF8&qid=15188...
by Toons
Fri Feb 16, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil
Replies: 18
Views: 1574

Re: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil

" Vanguard found that 97% of households did not trade. Vanguard also found that trading on volatile days rarely exceeds 1% of households.” I am assuming that indicates that active trading is not one of the roads to wealth creation,or more of the millions upon millions of Vanguard shareholders would ...
by Toons
Fri Feb 16, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 87
Views: 6179

Re: Why paying off loans would be better than fully funding 401k?

Without a shred of doubt.
Pay off Debt.
Ball And Chain(s),
While traveling the road of
"Wealth Creation"


:idea:
by Toons
Thu Feb 15, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage because of new tax deductions?
Replies: 10
Views: 1839

Re: Pay off mortgage because of new tax deductions?

Over 70 and a mortgage.
I would not crunch numbers
Pay It Off Today.
Be Done With It.
:happy
by Toons
Thu Feb 15, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 852

Re: Used car - warranty or no?

3 - Buy a warranty on the car so you’re covered for at least five years I wouldn't ,just sayin,never have bought one on any vehicle. I take care of them as the miles accumulate. :happy Remember ,Insurance is sold to make money. FYI http://genxfinance.com/is-an-extended-warranty-on-a-used-car-worth-...
by Toons
Thu Feb 15, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 27
Views: 1834

Re: Suggestions for Reasonably Safe Funds

retiredjg wrote:
Wed Feb 14, 2018 6:42 pm
What is the other half of your 401k invested in?

If stocks, consider something like the LifeStrategy Conservative Growth fund which is 40% stocks and 60% bonds.
+1 :happy
by Toons
Wed Feb 14, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1763

Re: Where would you park 140k

Vanguard Balanced Index Fund(Admiral Shares)






:wink:
by Toons
Wed Feb 14, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 76
Views: 6229

Re: What if you only live off dividends?

Dividends
Cap Gains
Interest.
Yes It Can Be Done. :wink:
by Toons
Wed Feb 14, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 26
Views: 1692

Re: Digital alarm clock suggestions?

Angelus359 wrote:
Wed Feb 14, 2018 9:40 am
If you want minimal buttons you could get an Amazon Alexa echo dot, and use that as an alarm

Bingo.
That is what we use :happy
by Toons
Wed Feb 14, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing thru contributions?
Replies: 12
Views: 644

Re: Rebalancing thru contributions?

I would go with Option A.








:idea:
by Toons
Wed Feb 14, 2018 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Helping Mom with Taxes
Replies: 40
Views: 1862

Re: Helping Mom with Taxes

Pension distribution is reported on Form 1099-R. IRA distribution is also reported on Form 1099-R. Annuity payments are also reported on Form 1099-R. (I googled to figure this out) Social Security is reported on Form 1099-SSA Trust distribution reported on Schedule K-1 (Had to google that too) If h...
by Toons
Tue Feb 13, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying the Financial Records
Replies: 8
Views: 988

Re: Simplifying the Financial Records

Quicken Software
Since 1993









:wink:
by Toons
Tue Feb 13, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Are these fees for real?
Replies: 25
Views: 2212

Re: Are these fees for real?

Info From Vanguard :happy "Imagine you have $100,000 invested. If the account earned 6% a year for the next 25 years and had no costs or fees, you'd end up with about $ 430,000. If, on the other hand, you paid 2% a year in costs , after 25 years you'd only have about $260,000." https://investor.vang...
by Toons
Tue Feb 13, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 76
Views: 6229

Re: What if you only live off dividends?

"The assumption is that the assets will grow back" That is the plan,although in down markets not the case. I have several mutual funds in a taxable account where I take the dividends,cap gains in cash. They are growth and income funds. The last few years after paying out dividends,capgains,,,NAV bei...
by Toons
Tue Feb 13, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Correction vs. Prolonged Bear Market
Replies: 23
Views: 1505

Re: Correction vs. Prolonged Bear Market

I'm curious (and I know there's no hard and fast answer here): What do you all think about the general likelihood of a prolonged bear market in the US? To be clear, I'm not very risk averse (80/20 AA and could tolerate a more aggressive allocation if I felt the need, which I don't), and this has no...
by Toons
Tue Feb 13, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Driver’s Behind The Dip
Replies: 27
Views: 2702

Re: Larry Swedroe: Driver’s Behind The Dip

Driver behind the Dip:
Gravity
:happy
by Toons
Tue Feb 13, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Expecting a crash...but staying the course
Replies: 8
Views: 1606

Re: Expecting a crash...but staying the course

Bring on the "Crash"=Opportunity :sharebeer :sharebeer
by Toons
Tue Feb 13, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1058

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

Washing machine have only so many parts, Fairly straightfoward. I would seek out a "generic" individual. https://www.youtube.com/watch?v=j8rnvvdJaDU Agreed. I fixed my own top load washer. Also my own gas dryer. I needed a pro for my front load washer. I could not figure out the problem on my own. ...
by Toons
Tue Feb 13, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: Correction vs. Prolonged Bear Market
Replies: 23
Views: 1505

Re: Correction vs. Prolonged Bear Market

I certainly have no idea what the future will bring.
Maybe someone else does.
Just invest and stay fixed on your financial destination.
If you are investing for your future retirement
and investing consistenlty,
A prolonged bear market is Your Ally.


8-)
by Toons
Tue Feb 13, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1058

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

Washing machine have only so many parts,
Fairly straightfoward.
I would seek out a "generic" individual.
https://www.youtube.com/watch?v=j8rnvvdJaDU









:sharebeer
by Toons
Tue Feb 13, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: I'm Lost Please Help Me :(
Replies: 20
Views: 2186

Re: I'm Lost Please Help Me :(

140K student loan with 2.95%="APPLY" a good portion of my savings
Be done with the loan within the nex 6 months.






8-)