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
Search found 14390 matches
- Fri Mar 15, 2024 8:05 pm
- Forum: Investing - Theory, News & General
- Topic: Should I Keep Sacrificing or Start Enjoying Myself
- Replies: 32
- Views: 3559
- Fri Mar 15, 2024 7:59 pm
- Forum: Personal Investments
- Topic: Where to keep emergency funds?
- Replies: 23
- Views: 2288
Re: Where to keep emergency funds?
I keep monies in
Vanguard Federal Money Market Fund
Vanguard Federal Money Market Fund
- Thu Mar 14, 2024 3:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: How Much Cash Do You Keep In Your Home?
- Replies: 207
- Views: 14913
Re: How Much Cash Do You Keep In Your Home?
200 dollars
- 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: 4319
Re: Any investors from the 1981 - 1984 time period here???
Yes
Dow was 880 in 1981
SP was 138.
when I started
American Funds
Dow was 880 in 1981
SP was 138.
when I started
American Funds
- Thu Mar 07, 2024 5:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Your Original Medicare OR Advantage Experience: Nightmare or Sublime?
- Replies: 156
- Views: 9916
- Wed Mar 06, 2024 11:29 am
- Forum: Personal Finance (Not Investing)
- Topic: How much car can I afford?
- Replies: 114
- Views: 9014
Re: How much car can I afford?
Perfectnextmilenium wrote: ↑Wed Mar 06, 2024 10:46 amI'd rather keep my 16 yr old Accord V6 coupe than buy another Accord.
- Wed Mar 06, 2024 10:22 am
- Forum: Personal Finance (Not Investing)
- Topic: When have you stopped saving for retirement?
- Replies: 40
- Views: 3889
Re: When have you stopped saving for retirement?
I haven't
and we are retired.
It is part of my
DNA
and we are retired.
It is part of my
DNA
- Wed Mar 06, 2024 10:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Pay cash or take out a mortgage?
- Replies: 12
- Views: 1334
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
Be Done With It.
You Will Be Glad You Did.
In No Time At All
Keep It Simple
- Wed Mar 06, 2024 10:14 am
- Forum: Personal Finance (Not Investing)
- Topic: Asset allocation while having a 6%+ mortgage
- Replies: 16
- Views: 1136
Re: Asset allocation while having a 6%+ mortgage
Pay Down
Pay Off
The House
Should Be A Priority
Pay Off
The House
Should Be A Priority
- Wed Mar 06, 2024 9:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Financial coach as a side hustle?
- Replies: 22
- Views: 2214
Re: Financial coach as a side hustle?
Excellent!TravelforFun wrote: ↑Tue Mar 05, 2024 7:06 pmHave a great partner
Have great friends
Have enough insurance
Stay healthy
Avoid addiction of any kind
TravelforFun
- Wed Mar 06, 2024 9:02 am
- Forum: Personal Finance (Not Investing)
- Topic: Financial coach as a side hustle?
- Replies: 22
- Views: 2214
Re: Financial coach as a side hustle?
A Perfect Addition
- Tue Mar 05, 2024 7:01 pm
- Forum: Investing - Theory, News & General
- Topic: What good is tax deferred?
- Replies: 122
- Views: 15321
Re: What good is tax deferred?
RMD stage now
12%
12%
- Tue Mar 05, 2024 6:59 pm
- Forum: Personal Consumer Issues
- Topic: What are some of the things that improved YOUR quality of life?
- Replies: 254
- Views: 41954
- Tue Mar 05, 2024 6:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Financial coach as a side hustle?
- Replies: 22
- Views: 2214
Re: Financial coach as a side hustle?
Million Dollar Advice,
I couldn't sleep at night if I charged for it
Free-
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
I couldn't sleep at night if I charged for it
Free-
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
- Tue Mar 05, 2024 6:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can I retire?
- Replies: 41
- Views: 4741
- Tue Mar 05, 2024 6:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: How much car can I afford?
- Replies: 114
- Views: 9014
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 bills
Open up the wallet,blow the dust off those bills
- Tue Mar 05, 2024 6:21 pm
- Forum: Investing - Theory, News & General
- Topic: RMD withdrawal
- Replies: 5
- Views: 881
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
Take the remaining balance if necessary from VSGDX by year end
- Fri Mar 01, 2024 5:41 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Announces CEO Retirement and Appointment of President
- Replies: 371
- Views: 34684
Re: Vanguard Announces CEO Retirement and Appointment of President
White Coat Investor wrote: ↑Fri Mar 01, 2024 9:11 amI'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.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.
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?
- Sat Feb 03, 2024 9:06 pm
- Forum: Personal Investments
- Topic: Where to park 200K for 4 years
- Replies: 5
- Views: 1264
Re: Where to park 200K for 4 years
Park It In
Vanguard Federal Money Market Fund
While you are exploring your options
Vanguard Federal Money Market Fund
While you are exploring your options
- Sat Feb 03, 2024 9:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Tax Preparer bailed, which tax software to use?
- Replies: 76
- Views: 6499
- Wed Jan 31, 2024 9:23 pm
- Forum: Personal Consumer Issues
- Topic: Planes, trains, automobiles, boats- $$$ for hobbies
- Replies: 51
- Views: 5469
Re: Planes, trains, automobiles, boats- $$$ 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
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
- Wed Jan 31, 2024 9:17 pm
- Forum: Investing - Theory, News & General
- Topic: Echoes of Dot Com Bubble?
- Replies: 230
- Views: 23994
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
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
- Thu Jan 18, 2024 3:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Which loan to pay off?
- Replies: 22
- Views: 1333
Re: Which loan to pay off?
Student Loan
- Fri Jan 12, 2024 3:20 pm
- Forum: Personal Consumer Issues
- Topic: Best method to learn basic conversational Spanish
- Replies: 21
- Views: 2810
Re: Best method to learn basic conversational Spanish
Taught myself Spanish
Duolingo a superb assistant
https://play.google.com/store/apps/deta ... l=US&pli=1
Duolingo a superb assistant
https://play.google.com/store/apps/deta ... l=US&pli=1
- Tue Jan 09, 2024 3:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: New Quicken User
- Replies: 9
- Views: 1469
Re: New Quicken User
tracking investments
ie,cost basis
Capital gain/loss estimator
ie,cost basis
Capital gain/loss estimator
- Tue Jan 09, 2024 3:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: preferred tax preparation software? [for tax year 2023]
- Replies: 56
- Views: 7790
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
Live in Tennessee,No state income tax
Federal Return
34.95
I don't look for tax preparation software anymore
- Sun Jan 07, 2024 9:13 am
- Forum: Personal Finance (Not Investing)
- Topic: Mailing Q4 Estimated Payment Date
- Replies: 15
- Views: 1391
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
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
- Sat Jan 06, 2024 10:28 am
- Forum: Personal Investments
- Topic: Taxable account: dividends to sweep or checking?
- Replies: 15
- Views: 1413
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 .
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 .
- Fri Jan 05, 2024 3:12 pm
- Forum: Personal Consumer Issues
- Topic: looking to buy a new laptop
- Replies: 58
- Views: 7277
- Thu Jan 04, 2024 3:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where do you bank and why? 2024 Edition
- Replies: 113
- Views: 14708
Re: Where do you bank and why? 2024 Edition
Capital One
Convenience
Online
Convenience
Online
- Thu Jan 04, 2024 3:50 pm
- Forum: Investing - Theory, News & General
- Topic: How did you make your first $1M?
- Replies: 148
- Views: 33596
Re: How did you make your first $1M?
Saving,Investing,Reinvesting ,As much as possible as often as possible,
Compounding did the heavy lifting
Compounding did the heavy lifting
- Thu Jan 04, 2024 3:48 pm
- Forum: Personal Investments
- Topic: Too much in traditional 401k? Start paying more taxes now with Roth Conversion/Roth 401? Help us decide :)
- Replies: 32
- Views: 4161
Re: Too much in traditional 401k? Start paying more taxes now with Roth Conversion/Roth 401? Help us decide :)
On a sidenote
Can you pay off the mortgage
Can you pay off the mortgage
- Tue Jan 02, 2024 12:47 pm
- Forum: Personal Investments
- Topic: Muni funds instead of "cash?"
- Replies: 7
- Views: 1354
- Tue Jan 02, 2024 12:46 pm
- Forum: Personal Consumer Issues
- Topic: What is you top priority for 2024?
- Replies: 31
- Views: 3935
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.
- 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: 27114
Re: At what net worth did you start not sweating the "small stuff"
" I just use the annual signup now, Life is really too short."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.
So So True
- Sun Dec 31, 2023 8:35 pm
- Forum: Personal Investments
- Topic: Day/Swing Trading
- Replies: 45
- Views: 4228
Re: Day/Swing Trading
It becomes tiresome and boring and
Is not the way to wealth creation
Is not the way to wealth creation
- 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: 7260
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
- Fri Dec 29, 2023 2:34 pm
- Forum: Personal Consumer Issues
- Topic: 2023 Prius Prime - $4,500 Lease Cash Offer - how does this compare to paying cash?
- Replies: 10
- Views: 2126
Re: 2023 Prius Prime - $4,500 Lease Cash Offer - how does this compare to paying cash?
Check Out Hybrid Accord
- Thu Dec 28, 2023 11:13 am
- Forum: Personal Consumer Issues
- Topic: Amazon Rate increases - alternatives [Amazon Prime Video]
- Replies: 151
- Views: 22887
Re: Amazon Rate increases - alternatives [Amazon Prime Video]
As cord cutting continues
Streaming services will scoop up those fees
Gradually
Streaming services will scoop up those fees
Gradually
- Sun Dec 17, 2023 9:59 am
- Forum: Personal Finance (Not Investing)
- Topic: Anyone Bored in Retirement ??
- Replies: 131
- Views: 30089
Re: Anyone Bored in Retirement ??
Learn a new language
- Tue Oct 10, 2023 9:21 am
- Forum: Personal Investments
- Topic: Where to invest $60K in cash now?
- Replies: 19
- Views: 3610
Re: Where to invest $60K in cash now?
VMFXX.
Great choice
Great choice
- Wed Oct 04, 2023 9:08 am
- Forum: Personal Investments
- Topic: When to get into the market
- Replies: 14
- Views: 2205
Re: When to get into the market
When?
This morning
Time (which is on your side)not
Timing
How much?
All in
This morning
Time (which is on your side)not
Timing
How much?
All in
- Wed Oct 04, 2023 9:07 am
- Forum: Personal Investments
- Topic: HELP! I am losing money on VTI and VXUS
- Replies: 30
- Views: 3742
Re: HELP! I am losing money on VTI and VXUS
An inherent tenet of Investing
Volatility
Rollercoaster ride
Relax.
Patience
Invest More
Volatility
Rollercoaster ride
Relax.
Patience
Invest More
- Sat Sep 30, 2023 12:35 pm
- Forum: Investing - Theory, News & General
- Topic: In appreciation of dividends
- Replies: 119
- Views: 13272
Re: In appreciation of dividends
This is interesting
Why does Mr Buffet want a billion dollars in dividends?
Coca-Cola
400,000,000 shares
$1.84- annual dividend payment
$3.25 -cost basis
56%- Dividend yield on the cost basis
$736,000,000.00-annual dividend income
American Express
151,610,700 shares
$2.40 annual dividend payment
$363,865,680.00- annual dividend income
$8.49-cost basis
28.3%-Dividend yield on the cost basis
Why does Mr Buffet want a billion dollars in dividends?
Coca-Cola
400,000,000 shares
$1.84- annual dividend payment
$3.25 -cost basis
56%- Dividend yield on the cost basis
$736,000,000.00-annual dividend income
American Express
151,610,700 shares
$2.40 annual dividend payment
$363,865,680.00- annual dividend income
$8.49-cost basis
28.3%-Dividend yield on the cost basis
- Sat Sep 30, 2023 12:19 pm
- Forum: Personal Consumer Issues
- Topic: Getting the family organized family calendar?
- Replies: 25
- Views: 2287
Re: Getting the family organized family calendar?
As others
Google Calendar
Google Calendar
- Sat Sep 30, 2023 12:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone use Capital One 360? Looking to move from Alliant
- Replies: 41
- Views: 5441
Re: Anyone use Capital One 360? Looking to move from Alliant
I have been using Capital One before they were Capital One,
Ing Direct to be specific
Checking account
Savings account for immediate need if necessary(small amt of cash)
4.25 yield sufficient for me ,Most cash is in Vanguard Federal Money Market
also use the Capital One Walmart credit card ,Money back on Walmart purchases.
Working in website is easy and seamless with all accounts.
I am very please with Capital One ,overall
Checking account is linked to All our Vanguard accounts
Taxable,,Iras
Ing Direct to be specific
Checking account
Savings account for immediate need if necessary(small amt of cash)
4.25 yield sufficient for me ,Most cash is in Vanguard Federal Money Market
also use the Capital One Walmart credit card ,Money back on Walmart purchases.
Working in website is easy and seamless with all accounts.
I am very please with Capital One ,overall
Checking account is linked to All our Vanguard accounts
Taxable,,Iras
- Sat Sep 30, 2023 12:02 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Personal Advisor Select Services - Why Use Them?
- Replies: 31
- Views: 5109
Re: Vanguard Personal Advisor Select Services - Why Use Them?
You don't need too
Don't let emotion derail you
stick with index funds
30 basis points is 30 basis points
I will keep the 3,000 for myself on the million
https://www.moneyhub.co.nz/basis-points-calculator.html
Don't let emotion derail you
stick with index funds
30 basis points is 30 basis points
I will keep the 3,000 for myself on the million
https://www.moneyhub.co.nz/basis-points-calculator.html
- Sat Sep 30, 2023 12:00 pm
- Forum: Personal Investments
- Topic: Personal Investment Advice
- Replies: 35
- Views: 6010
Re: Personal Investment Advice
Work on simplifying
A few funds is all that is necessary
Less is more in many ways
As you age
A few funds is all that is necessary
Less is more in many ways
As you age
- Sat Sep 30, 2023 11:58 am
- Forum: Personal Investments
- Topic: How do you determine when to automatically reinvest dividends or not?
- Replies: 18
- Views: 1448
Re: How do you determine when to automatically reinvest dividends or not?
Easy decision for me
I reinvested all capital gains and
dividends in all accounts for
35 years or so as to let compounding do the
heavy lifting of the portfolio
No need to reinvest any more
Goals acheived.
All gains, go to Federal Money Markets
All accounts,taxable ,roth,etc
I reinvested all capital gains and
dividends in all accounts for
35 years or so as to let compounding do the
heavy lifting of the portfolio
No need to reinvest any more
Goals acheived.
All gains, go to Federal Money Markets
All accounts,taxable ,roth,etc
- Sat Sep 30, 2023 11:54 am
- Forum: Personal Finance (Not Investing)
- Topic: Medicare Questions - Supplement Plan and Part D Coverage
- Replies: 8
- Views: 1856
Re: Medicare Questions - Supplement Plan and Part D Coverage
I searched the web ,watched some youtube videos
regarding supplemental and advantage plans pros and cons,
wound up going with Mutual Of Omaha G supplemental plan a few years back ,
and Humana Walmart for D coverage,
Personally no need for an advisor to do this for me
fairly straight forward
Have been pleased with both
regarding supplemental and advantage plans pros and cons,
wound up going with Mutual Of Omaha G supplemental plan a few years back ,
and Humana Walmart for D coverage,
Personally no need for an advisor to do this for me
fairly straight forward
Have been pleased with both