Search found 12589 matches

by Toons
Sat Apr 21, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Lending Club Investing
Replies: 24
Views: 1702

Re: Lending Club Investing

Stick To Index Funds.
Watch the paint dry,



:mrgreen:
by Toons
Sat Apr 21, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 17
Views: 694

Re: Portfolio Questions

bogglek3sh4v wrote:
Fri Apr 20, 2018 2:51 pm
Toons wrote:
Fri Apr 20, 2018 2:47 pm
Credit Card Debt: $3,000 @ 10% APR

Please say "adios" to that


:mrgreen:
Adios :D
:sharebeer :mrgreen:
by Toons
Sat Apr 21, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 57
Views: 4885

Re: New retirees: so whatdayathink ?

Every Day Is A Holiday
Every Meal Is A Banquet

:mrgreen:
by Toons
Fri Apr 20, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 17
Views: 694

Re: Portfolio Questions

Credit Card Debt: $3,000 @ 10% APR

Please say "adios" to that


:mrgreen:
by Toons
Fri Apr 20, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 90
Views: 6026

Re: NYT article: Everyone should hire a financial planner

I am 67 years young.
Eventually I might hire one...
Not today though









:happy
by Toons
Thu Apr 19, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1759

Re: Once retired, tools to determine available spend?

Retired. We spend... less than we have. It works. For Us. :happy Ok, but if you "have" $1,000,000 at start of retirement and plan to "spend" just $100,000 of it each year going forward, you could run into problems with nest egg depletion... Well I guess that could be the case. We have nof found our...
by Toons
Thu Apr 19, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 93
Views: 4109

Re: PC laptops

Dell,Lenovo ,or
Chromebook Asus
:happy
by Toons
Thu Apr 19, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4187

Re: Are you keeping more in cash?

I keep about 50k in "cash"

:happy
by Toons
Thu Apr 19, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1759

Re: Once retired, tools to determine available spend?

Retired.
We spend...
less than we have.
It works.
For Us.
:happy
by Toons
Thu Apr 19, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 31
Views: 2075

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

I've owned PRIMECAP Core for about 18 years. Very happy I do. As stated before, they are a great management Team, not just one star manager.. They must be doing something right because they've been doing it right for a very long time. If I had the opportunity to get into one of their funds, I would...
by Toons
Wed Apr 18, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5120

Re: I want to pay off my mortgage. Am I crazy?

I would pay off Everything.
Give yourself "options"
:happy
by Toons
Tue Apr 17, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5120

Re: I want to pay off my mortgage. Am I crazy?

"We have no debt whatsoever"
Say It over and over.
pay off the mortgage
You won't regret it.
:happy
by Toons
Tue Apr 17, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Please suggest a file folder type
Replies: 21
Views: 1134

Re: Please suggest a file folder type

Use A scanner.
Scan to pdf.
Store to hard drive and a back up
Works for me.
Save space
by Toons
Tue Apr 17, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 26
Views: 2940

Re: Wellesley January Price Drop? Why?

Try the Rip Van Winkle approach.
take a look in twenty years.
:happy
by Toons
Tue Apr 17, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 1509

Re: How long for irs to pull from checking

My quarterly estimated was auto paid the 17th.
That is the day it was debited from checking account.
:happy
by Toons
Sat Apr 14, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3833

Re: Is it necessary to replace brake fluid on a car every 3 years?

I replace my brake fluid every two years regardless of mileage. Brake fluid absorbed moisture and over time the fluid will lose its ability to work properly. Increased moisture content reduces the boiling point of the fluid leading to vapor lock of the brake system during heavy loads. Every time I ...
by Toons
Tue Apr 10, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have to pay taxes on unrealized dividends?
Replies: 19
Views: 1852

Re: Do I have to pay taxes on unrealized dividends?

You have realized the dividend when it is distributed.
Yes You Pay Taxes.
:happy
by Toons
Tue Apr 10, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 5137

Re: Retirees: Who's increasing their equities as they age?

I let the market adjust my asset allocation.
The last 8 years my asset allocation has gradually tilted more towards equity side,
71/29.
The next extended bear market will adjust that for me,,,,
Temporarily
:mrgreen:
by Toons
Mon Apr 09, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7842

Re: Cash flow problems - best way to handle?

Spend Less than you make.


:mrgreen:
by Toons
Mon Apr 09, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Would you pay off the student loan or keep the $$$
Replies: 48
Views: 2149

Re: Would you pay off the student loan or keep the $$$

Selling the car gives us enough money to pay off our last debt (not including mortgage), the wife's student loan.

Do It.
:happy
by Toons
Sat Apr 07, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 2625

Re: Best place to buy a TV

Sams
Costco
Amazon
Walmart
:happy
by Toons
Sat Apr 07, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11332

Re: What is your AA, given your age? and, Why?

Age 67
70/30 Equity/Bond
Why?
Growth and Income.
:happy
by Toons
Sat Apr 07, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3452

Re: How often do you replace your office shoes?

My Crocs usually last a couple years.
:mrgreen:
by Toons
Sat Apr 07, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: "The Secret"
Replies: 19
Views: 2603

Re: "The Secret"

Financial Success?
Live beneath your means.
Stay out of debt,
Save and Invest.
Happy?
Be Nice,Smile a lot,

:mrgreen:
by Toons
Sat Apr 07, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4050

Re: Is it very hard to learn Spanish?

It takes practice practice and more practice. I have been using Duolingo,youtube,watching videos,,,etc. for over 2 years now everyday. I have come a long way but still have a lot more work to do before I can hold a conversation with a Native Speaker. Remember the word PRACTiCE> :happy https://www.du...
by Toons
Tue Apr 03, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 4178

Re: Microsoft tech support scam - how to recover?

The last time one of those scam operations called me,,,I told them that our conversation was being "monitored",
The next sound I hear was "click"
:mrgreen:
by Toons
Fri Mar 30, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Total return vs dividends
Replies: 54
Views: 4474

Re: Total return vs dividends

" If my portfolio will generate enough dividends and interest to fund my day-to-day living expenses without having to sell any shares, isn’t it an easier way to generate cash than to have to sell securities periodically to generate the cash needed " I speak for myself and the spouse. That is exactly...
by Toons
Fri Mar 30, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5745

Re: New car from dealer may have close to 150 miles - ok?

I wouldn't fret about it.
I purchased a Crv a few years back.
The dealership that had it in stock was about 150 miles away.
I did not let it affect my decision to purchase.
:happy
by Toons
Wed Mar 28, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 1889

Re: Receive dividends from Index funds?

I have a simple 5 fund portfolio similar to the easy portfolios. See below. My question is currently, I could really use the dividends from the index funds, in another year I should be better off and not really need them. They are I guess I could receive about $500 a quarter from the dividends. It ...
by Toons
Wed Mar 28, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371679

Re: U.S. stocks in freefall

bligh wrote:
Thu Mar 01, 2018 2:04 pm
Here we go again...

Ditto,
The more it changes the more it stays the Same :mrgreen:
by Toons
Wed Mar 28, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 1889

Re: Receive dividends from Index funds?

I have a simple 5 fund portfolio similar to the easy portfolios. See below. My question is currently, I could really use the dividends from the index funds, in another year I should be better off and not really need them. They are I guess I could receive about $500 a quarter from the dividends. It ...
by Toons
Tue Mar 27, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Online High Interest Savings Accounts
Replies: 17
Views: 2132

Re: Online High Interest Savings Accounts

Open a Money Market Account and
A Checking Account at CapOne360.
Move monies back and forth. :happy
by Toons
Tue Mar 27, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8927

Re: Not going to be buying chicken for a while...

I'm gonna keep tossing my Tyson Frozen Chicken Breasts into the Instant Pot for 12 minutes,,, :mrgreen:
by Toons
Tue Mar 27, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6446

Re: Question for physicians-- is my taking call worth it?

I was in a similar situation albeit in a different specialty. Roughly same age. Once I realized I was on track to have "Enough" sooner than I had originally scheduled I took the following three actions: 1 Took more vacation so I work about 10 percent less than what I was previously. 2 Dropped some ...
by Toons
Tue Mar 27, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 2918

Re: Digital alarm clock suggestions?

Off topic but I use either.
Phone or
Amazon Dot.
:happy
by Toons
Tue Mar 27, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency of Mutual Funds
Replies: 7
Views: 557

Re: Tax Efficiency of Mutual Funds

It is practically impossible to predict managed fund capital gains from year to year.
If minimizing tax bite is your goal look into Total Market Index Fund.
:happy
by Toons
Tue Mar 27, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 6110

Re: Concerns with Vanguard

I have been a happy customer of Vanguard for 20 plus years. I have never had an issue with them. However, I am alittle concerned with the stream of negative comments lately about their services. The computer glitch this morning is actually the first time they raised my blood pressure. I really do l...
by Toons
Tue Mar 27, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6446

Re: Question for physicians-- is my taking call worth it?

letsgobobby wrote:
Mon Mar 26, 2018 10:59 am
You don't need the money, so no way. Don't trade your finite life energy for something as ephemeral as money you don't need.
Ditto :happy
None fo Us can buy more time.
by Toons
Mon Mar 26, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How does your retirement spending compare to pre-retirement spending?
Replies: 48
Views: 6348

Re: Retirees: How does your retirement spending compare to pre-retirement spending?

Entered Retirement 7 years ago.
Debt free when we did.
We are spending more now because we "want to",
Only reason being is travel in an Rv we bought.
Our AGI on our tax return keeps climbing every year.
Pension ,SS, Dividends ,Cap Gains.

:)