Search found 14397 matches

by Toons
Sat Mar 23, 2024 5:08 pm
Forum: Personal Consumer Issues
Topic: Flash drives vs external HDs?
Replies: 63
Views: 3858

Re: Flash drives vs external HDs?

Google Drive
DropBox
One Drive
:happy
by Toons
Sat Mar 23, 2024 10:29 am
Forum: Personal Consumer Issues
Topic: Walmart Plus Feels Like A Scam
Replies: 53
Views: 5908

Re: Walmart Plus Feels Like A Scam

That Is Unfortunate .
No Issues Here :happy

Savings $$$
Time Saved a Bonus

Image
by Toons
Fri Mar 22, 2024 6:34 pm
Forum: Personal Consumer Issues
Topic: Walmart Plus Feels Like A Scam
Replies: 53
Views: 5908

Re: Walmart Plus Feels Like A Scam

Been using walmart plus since inception
Use same day delivery all the time
Scan and go App in the store
Fuel prices,10 cents a gallon
Paramount Plus
Returns from home
98.00 a year I see value

Not going to a physical store
Time saved if nothing else
:happy
by Toons
Fri Mar 22, 2024 6:21 pm
Forum: Investing - Theory, News & General
Topic: Dangers of excessive optimism?
Replies: 86
Views: 6638

Re: Dangers of excessive optimism?

Being in the market since 1981
and looking at the indices today
There is no need to fret day to day
or year to year,
Invest consistently is what matters,
The trend has been up the for the
last hundred years or more :happy
by Toons
Fri Mar 22, 2024 6:17 pm
Forum: Personal Investments
Topic: When one is ready to retire and pull out of the market.
Replies: 44
Views: 4850

Re: When one is ready to retire and pull out of the market.

I am 73 have been in the market since 1981
Retired 15 years ago.
Asset allocation 70/30 equity bond
I think my allocation will remain the same
Until I leave this world. :happy
by Toons
Fri Mar 15, 2024 8:05 pm
Forum: Investing - Theory, News & General
Topic: Should I Keep Sacrificing or Start Enjoying Myself
Replies: 32
Views: 3753

Re: Should I Keep Sacrificing or Start Enjoying Myself

Money Is Good for
Goods and Services, Or give it away.
Don't necessarily equate spending
with happiness,
but remember
life is short.
If you find yourself want to spend some money
on something that you or your family would enjoy
Do not deny yourself :happy
by Toons
Fri Mar 15, 2024 7:59 pm
Forum: Personal Investments
Topic: Where to keep emergency funds?
Replies: 23
Views: 2455

Re: Where to keep emergency funds?

I keep monies in
Vanguard Federal Money Market Fund :happy
by Toons
Sun Mar 10, 2024 1:34 pm
Forum: Investing - Theory, News & General
Topic: Any investors from the 1981 - 1984 time period here???
Replies: 36
Views: 4406

Re: Any investors from the 1981 - 1984 time period here???

Yes
Dow was 880 in 1981
SP was 138.
when I started
American Funds
by Toons
Wed Mar 06, 2024 11:29 am
Forum: Personal Finance (Not Investing)
Topic: How much car can I afford?
Replies: 114
Views: 9328

Re: How much car can I afford?

nextmilenium wrote: Wed Mar 06, 2024 10:46 am
Toons wrote: Tue Mar 05, 2024 6:27 pm Go ahead and Get a Honda Accord Hybrid Touring,
Open up the wallet,blow the dust off those :dollar :dollar bills :mrgreen:
I'd rather keep my 16 yr old Accord V6 coupe than buy another Accord.
Perfect :happy
by Toons
Wed Mar 06, 2024 10:22 am
Forum: Personal Finance (Not Investing)
Topic: When have you stopped saving for retirement?
Replies: 40
Views: 3993

Re: When have you stopped saving for retirement?

I haven't
and we are retired.
It is part of my
DNA :mrgreen:
by Toons
Wed Mar 06, 2024 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Pay cash or take out a mortgage?
Replies: 12
Views: 1366

Re: Pay cash or take out a mortgage?

Cash
Be Done With It.
You Will Be Glad You Did.
In No Time At All
Keep It Simple
:happy
by Toons
Wed Mar 06, 2024 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Asset allocation while having a 6%+ mortgage
Replies: 16
Views: 1165

Re: Asset allocation while having a 6%+ mortgage

Pay Down
Pay Off
The House
Should Be A Priority
:mrgreen:
by Toons
Wed Mar 06, 2024 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Financial coach as a side hustle?
Replies: 22
Views: 2280

Re: Financial coach as a side hustle?

TravelforFun wrote: Tue Mar 05, 2024 7:06 pm
Toons wrote: Tue Mar 05, 2024 6:56 pm Million Dollar Advice,
I couldn't sleep at night if I charged for it
Free- :mrgreen: :mrgreen:
Use Common Semse
Spend less than you make
Stay Away from debt.
Pay cash
Vanguard Balanced Index Fund(Reinvest)
Wear a Seat Belt
Don't Smoke
Have a great partner
Have great friends
Have enough insurance
Stay healthy
Avoid addiction of any kind

TravelforFun
Excellent! :mrgreen:
by Toons
Wed Mar 06, 2024 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Financial coach as a side hustle?
Replies: 22
Views: 2280

Re: Financial coach as a side hustle?

unclescrooge wrote: Tue Mar 05, 2024 11:32 pm
Toons wrote: Tue Mar 05, 2024 6:56 pm Million Dollar Advice,
I couldn't sleep at night if I charged for it
Free- :mrgreen: :mrgreen:
Use Common Semse
Spend less than you make
Stay Away from debt.
Pay cash
Vanguard Balanced Index Fund(Reinvest)
Wear a Seat Belt
Don't Smoke
s
You forgot one:
Always wear sunscreen.

A Perfect Addition :mrgreen:
by Toons
Tue Mar 05, 2024 7:01 pm
Forum: Investing - Theory, News & General
Topic: What good is tax deferred?
Replies: 122
Views: 15622

Re: What good is tax deferred?

RMD stage now
12% :mrgreen:
by Toons
Tue Mar 05, 2024 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Financial coach as a side hustle?
Replies: 22
Views: 2280

Re: Financial coach as a side hustle?

Million Dollar Advice,
I couldn't sleep at night if I charged for it
Free- :mrgreen: :mrgreen:
Use Common Semse
Spend less than you make
Stay Away from debt.
Pay cash
Vanguard Balanced Index Fund(Reinvest)
Wear a Seat Belt
Don't Smoke












s
by Toons
Tue Mar 05, 2024 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 41
Views: 4812

Re: Can I retire?

Yes
:happy
by Toons
Tue Mar 05, 2024 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much car can I afford?
Replies: 114
Views: 9328

Re: How much car can I afford?

Go ahead and Get a Honda Accord Hybrid Touring,
Open up the wallet,blow the dust off those :dollar :dollar bills :mrgreen:
by Toons
Tue Mar 05, 2024 6:21 pm
Forum: Investing - Theory, News & General
Topic: RMD withdrawal
Replies: 5
Views: 894

Re: RMD withdrawal

Take the dividends from all funds during the year as a portion of your RMD
Take the remaining balance if necessary from VSGDX by year end
:happy
by Toons
Fri Mar 01, 2024 5:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36310

Re: Vanguard Announces CEO Retirement and Appointment of President

White Coat Investor wrote: Fri Mar 01, 2024 9:11 am
ClevrChico wrote: Thu Feb 29, 2024 3:50 pm I'm crossing my fingers that his replacement makes the website, app, and customer service world class.
I'm crossing my fingers that the replacement will continue to keep Vanguard the low cost leader by realizing it's okay to skimp on the website, app, and customer service and pass the savings on to the owners, just like Bogle did.

You can already get a great website, app, and customer service at Fidelity. Why are you at Vanguard if that's what you value most?

Or did you want to have your cake and eat it too?
:thumbsup :thumbsup
by Toons
Sat Feb 03, 2024 9:06 pm
Forum: Personal Investments
Topic: Where to park 200K for 4 years
Replies: 5
Views: 1269

Re: Where to park 200K for 4 years

Park It In
Vanguard Federal Money Market Fund
While you are exploring your options
😃
by Toons
Wed Jan 31, 2024 9:23 pm
Forum: Personal Consumer Issues
Topic: Planes, trains, automobiles, boats- $$$ for hobbies
Replies: 51
Views: 5516

Re: Planes, trains, automobiles, boats- $$$ for hobbies

We enjoy traveling
We travel in A Roadtrek Class B
I have owned 3 in 12 years
Upgraded every 4 years
We enjoy Honda Automobiles
We have traded in every 2-3years
How do we justify?

I have never seen a U-Haul
Behind a Hearse :wink: :wink:
by Toons
Wed Jan 31, 2024 9:17 pm
Forum: Investing - Theory, News & General
Topic: Echoes of Dot Com Bubble?
Replies: 230
Views: 24252

Re: Echoes of Dot Com Bubble?

Started Investing
1981-consistenty
All the" end of the world "bear markets that I have experienced
We're nothing but wealth creating buying opportunities .
Forgotten memories now.
Thankful I was able to experience them😃
by Toons
Thu Jan 18, 2024 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Which loan to pay off?
Replies: 22
Views: 1361

Re: Which loan to pay off?

Student Loan
:happy
by Toons
Tue Jan 09, 2024 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: New Quicken User
Replies: 9
Views: 1487

Re: New Quicken User

tracking investments
ie,cost basis
Capital gain/loss estimator
:mrgreen:
by Toons
Tue Jan 09, 2024 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: preferred tax preparation software? [for tax year 2023]
Replies: 56
Views: 8242

Re: preferred tax preparation software?

Switched To Tax Act 10 years ago from Turbo Tax
Live in Tennessee,No state income tax
Federal Return
34.95
I don't look for tax preparation software anymore
:mrgreen:
by Toons
Sun Jan 07, 2024 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Mailing Q4 Estimated Payment Date
Replies: 15
Views: 1411

Re: Mailing Q4 Estimated Payment Date

Eft is the way to go.
My bank account is linked to vanguard brokerage,
Transfer money from Vanguard to bank account
Quarterly payment is deducted from bank account when I choose,
via EFTPS
https://www.eftps.gov/eftps/login/loginInitial

:happy
by Toons
Sat Jan 06, 2024 10:28 am
Forum: Personal Investments
Topic: Taxable account: dividends to sweep or checking?
Replies: 15
Views: 1460

Re: Taxable account: dividends to sweep or checking?

"We don't need the dividends to live on"
If that is the case then reinvest the dividends
Let compounding do its magic and do the heavy lifting
Vanguard handles the cost basis accounting for reinvested shares . :mrgreen:
by Toons
Thu Jan 04, 2024 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you bank and why? 2024 Edition
Replies: 113
Views: 15294

Re: Where do you bank and why? 2024 Edition

Capital One
Convenience
Online :mrgreen:
by Toons
Thu Jan 04, 2024 3:50 pm
Forum: Investing - Theory, News & General
Topic: How did you make your first $1M?
Replies: 148
Views: 35323

Re: How did you make your first $1M?

Saving,Investing,Reinvesting ,As much as possible as often as possible,
Compounding did the heavy lifting :mrgreen:
by Toons
Tue Jan 02, 2024 12:47 pm
Forum: Personal Investments
Topic: Muni funds instead of "cash?"
Replies: 7
Views: 1385

Re: Muni funds instead of "cash?"

QBoy wrote: Tue Jan 02, 2024 1:49 am In your tax bracket, I think it is better to avoid munis and pay the tax on the interest you are earning.

Exactly :happy
by Toons
Tue Jan 02, 2024 12:46 pm
Forum: Personal Consumer Issues
Topic: What is you top priority for 2024?
Replies: 31
Views: 4026

Re: What is you top priority for 2024?

TheTimeLord wrote: Mon Jan 01, 2024 11:01 pm To strive to be Grateful, Thankful and Respectful in my life.

:thumbsup :thumbsup :thumbsup :happy
by Toons
Tue Jan 02, 2024 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: At what net worth did you start not sweating the "small stuff"
Replies: 137
Views: 28330

Re: At what net worth did you start not sweating the "small stuff"

TomatoTomahto wrote: Sun Dec 31, 2023 11:14 am It wasn’t NW based, but time based. I used to play with which streaming services I’d pay for this month and which not. I just use the annual signup now, rather than worry about it, and it’s based on the time I used to take to add and subtract a service. Life is really too short.

We also always pay extra for ad free if available.
" I just use the annual signup now, Life is really too short."

So So True :happy
by Toons
Sun Dec 31, 2023 8:35 pm
Forum: Personal Investments
Topic: Day/Swing Trading
Replies: 45
Views: 4376

Re: Day/Swing Trading

It becomes tiresome and boring and
Is not the way to wealth creation :happy
by Toons
Sat Dec 30, 2023 10:00 am
Forum: Investing - Theory, News & General
Topic: What was the investment climate like in the bull market 10 years ago?
Replies: 55
Views: 7529

Re: What was the investment climate like in the bull market 10 years ago?

backofbeyond wrote: Thu Dec 28, 2023 7:43 pm I've been investing over 40 years...and every year the "pros" have anticipated that the next 10 years returns will be lower..usually single digits.

Sometimes they are right for a year or two but most of the time they have been wrong.

I also remember my Grandfather, then my Father and now my Brother having investor anxiety due to the National Debt. Absolutely certain that America was "done" and the End is near.

And yet...we seem to keep on rocking and are the envy of the world. Maybe it will come in my lifetime but so far, so good.

Perfectly said :happy
by Toons
Thu Dec 28, 2023 11:13 am
Forum: Personal Consumer Issues
Topic: Amazon Rate increases - alternatives [Amazon Prime Video]
Replies: 151
Views: 23971

Re: Amazon Rate increases - alternatives [Amazon Prime Video]

As cord cutting continues
Streaming services will scoop up those fees
Gradually :happy
by Toons
Sun Dec 17, 2023 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Bored in Retirement ??
Replies: 131
Views: 30320

Re: Anyone Bored in Retirement ??

Learn a new language :happy
by Toons
Tue Oct 10, 2023 9:21 am
Forum: Personal Investments
Topic: Where to invest $60K in cash now?
Replies: 19
Views: 3622

Re: Where to invest $60K in cash now?

VMFXX.
Great choice :happy
by Toons
Wed Oct 04, 2023 9:08 am
Forum: Personal Investments
Topic: When to get into the market
Replies: 14
Views: 2244

Re: When to get into the market

When?
This morning
Time (which is on your side)not
Timing
How much?
All in :mrgreen:
by Toons
Wed Oct 04, 2023 9:07 am
Forum: Personal Investments
Topic: HELP! I am losing money on VTI and VXUS
Replies: 30
Views: 3801

Re: HELP! I am losing money on VTI and VXUS

An inherent tenet of Investing
Volatility
Rollercoaster ride
Relax.
Patience
Invest More
:wink: