Search found 12900 matches

by Toons
Thu Oct 18, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4595

Re: When to change tires; and what brand

4/32
Michelin

:happy
by Toons
Thu Oct 18, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 4879

Re: Spoke with a CFP...underwhelming!

Live Beneath Your Means.(For Years)
Take Advantage of 401k,,Iras etc etc.
Avoid Debt.
15 yr mortgage-pay off early.
Most important of all Invest early,continuously
Total Stock Market..
Compounding will become your wealth building ally.

Easy -Free Planning :happy
by Toons
Wed Oct 17, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Investing During Retirement
Replies: 15
Views: 1565

Re: Investing During Retirement

Vanguard Lifestrategy Conservative Growth
:happy
by Toons
Wed Oct 17, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6192

Re: Did you retire because you hit your number?

We decided to retire so we could choose to do with our time what we wanted and,,,
While we still had enough life energy to climb "every mountain" :mrgreen: :mrgreen:
by Toons
Wed Oct 17, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 39
Views: 2244

Re: Car servicing

How often does a Civic Need to go in for service?
:happy
by Toons
Wed Oct 17, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 9477

Re: Larry Swedroe: Prepare For The Bear

Poorly?
Poorly =Opportunity.
Why Not decide to be an optimist.
:mrgreen:
by Toons
Wed Oct 17, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 193
Views: 58715

Re: Vanguard's Wellesley Income fund is incredible

I would pay more attention to compounded returns(reinvestment) over decades as something to consider.
Year ?(Noise)
:happy
by Toons
Tue Oct 16, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: independent advisor
Replies: 21
Views: 1597

Re: independent advisor

Live Beneath Your Means. Save and invest in Total Stock Market Fund.Total International,Total Bond(Assess Tax Situation) Stay Away From Debt. Don't become house poor.(15 yr. mortgage,pay off early) Max out any tax free,tax deferred investment vehicles afforded to you ,401k Roth,,,etc. Put the compou...
by Toons
Tue Oct 16, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 90
Views: 9343

Re: What do you consider 'enough'?

When we are able to do what satisfies our needs in the way of spending money,
And Compounding continues to grow the Net Worth.
:happy
by Toons
Mon Oct 15, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3907

Re: How Much Is Your Sewer Bill?

Septic Tank here.
Water Bill is about 35.00 per month.
:happy
by Toons
Sat Oct 13, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2628

Re: Making Winter Camping more comfortable

I use a Propane Heater
Inside.
The vehicle
:mrgreen:
by Toons
Sat Oct 13, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14274

Re: Tips for staying active / injury-free into older age

Walk Minimum
10,000 Steps
Per Day.
:mrgreen:
by Toons
Sat Oct 13, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance
Replies: 17
Views: 2386

Re: What to do with inheritance

Use Patience,
There is no hurry.
Gather Your Thoughts
Gather Information.
As you use patience
and process the information that you acquire
The decisions will come to you,
Go ahead and pay off the mortgage.
That will have you rethinking the left monies.

:happy
by Toons
Sat Oct 13, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5663

Re: Who worries about a bear market in stocks?

It is the markets' way of offering you buying opportunities.
Embrace Bear Markets.
They are an inherent part of investing.
Ignore the noise. :mrgreen:
by Toons
Mon Oct 08, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds by Capital Group
Replies: 6
Views: 613

Re: American Funds by Capital Group

Excellent Company
:happy
by Toons
Mon Oct 08, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6467

Re: Market decline in 2019 ?

Stay Invested For Life
Enjoy The Ride.
:happy
by Toons
Mon Oct 08, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9582

Re: What is your annual cost for health insurance?

Medicare for Me 112 Monthly
Supplemental 116.Monthly
Prescription D 18 Monthly

Spouse
Retireee HealthCare 325. Monthly


:mrgreen:
by Toons
Mon Oct 08, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: Biggest bubble in the history of mankind(?) Is it time to sell?
Replies: 40
Views: 3795

Re: Biggest bubble in the history of mankind(?) Is it time to sell?

"forecasting a 50% drop in stocks"

What A Wonderful Purchasing Opportunity


:mrgreen: :mrgreen:
by Toons
Sun Oct 07, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3347

Re: What are your strategies when shopping for a house?

Proximity to Walmart
Location
Price

Not Necessarily In That Order

:mrgreen:
by Toons
Sun Oct 07, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 100
Views: 12073

Re: Larry Swedroe: Be Prepared For Losses

Beensabu wrote:
Wed Oct 03, 2018 9:25 pm
Toons wrote:
Wed Oct 03, 2018 8:41 pm
"meaning of skew and kurtosis"

Say What?
Tail risk

Skewness

Kurtosis

Had to look it up.
Thanks :mrgreen:
by Toons
Wed Oct 03, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 100
Views: 12073

Re: Larry Swedroe: Be Prepared For Losses

"meaning of skew and kurtosis"

Say What?
by Toons
Wed Oct 03, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 7643

Re: Key differences between investing philosophies: Swedroe vs. Bogle

Rick Ferri wrote:
Wed Oct 03, 2018 11:16 am
Jack believes in portfolio simplicity.
Larry believes in portfolio complexity.
I believe in Jack.

Rick Ferri
+1
:happy
by Toons
Mon Oct 01, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7340

Re: Bonds... Why do people bother with them. ?

Your best teacher will be to experience a bear market such as 2000 or 2007-9

:happy
by Toons
Mon Oct 01, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3406

Re: New Dual Physican Couple

pay down our medical school loans ASAP

With laser like focus

:happy
by Toons
Mon Oct 01, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14755

Re: Should we stay in Crazytown because there's no where to run?

Pick an asset allocation.
Stick to it,adjust if necessary,
Ignore everything else.
Go fishing.
:mrgreen:
by Toons
Mon Oct 01, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9122

Re: Suze Orman - "I hate the FIRE movement."

She believes that most people should plan on working until age 70.
And she gets paid to say words like that?
Pass.....

:happy
by Toons
Sun Sep 30, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 68
Views: 8490

Re: Moneytalk with Bob Brinker coming to an end

Kudos To Bob!
Well done over the decades.
Enjoy.
:happy
by Toons
Tue Sep 25, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Using 401k loans to max tax advantaged accounts early in career
Replies: 29
Views: 1963

Re: Using 401k loans to max tax advantaged accounts early in career

Borrow Nothing.(health care emergency yes)
401k designed for retirement.
Treat it as such.
Max it
Don't touch it.
:mrgreen:
by Toons
Tue Sep 25, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8681

Re: Minimalist Lifestyle

George Carlin explains it very well :happy
https://www.youtube.com/watch?v=MvgN5gCuLac
by Toons
Tue Sep 25, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5969

Re: Oil change interval for low-mileage vehicles

Low mileage
annual
:happy
by Toons
Fri Sep 21, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6510

Re: My Very First Smartphone — Please Critique This Plan

Straight Talk S9+ 699.00 100 off if you purchase a plan https://shop.straighttalk.com/shop/en/straighttalk/phones/st-samsung-galaxy-s9?gclid=Cj0KCQjwrZLdBRCmARIsAFBZllHd_69IbdWLCsXafyXDYoHY2CjPBcIInlnIz4Ko3cvemb8Pxm0OO-0aArQREALw_wcB&gclsrc=aw.ds They have several plans to choose from. I purchased a...
by Toons
Fri Sep 21, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5484

Re: State Farm nickel-and-diming me

135.00?
Pay It
1350.00
Now we have something to discuss
:happy
by Toons
Fri Sep 21, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 26
Views: 1944

Re: Recommend a To-do app please.

Let Alexa remind you.
Or Google.
:happy
by Toons
Fri Sep 21, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 2054

Re: New car - 0% loan or $500 rebate

am inclined to pay cash and be done with it since the numbers are so close

The right idea in my opinion :happy
by Toons
Wed Sep 19, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8739

Re: Physical Banking - Any benefits anymore?

There are several brick and mortar banks in our area that have closed.
Suntrust closed 2.
That should say something. :happy
by Toons
Tue Sep 18, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1606

Re: Inexpensive source for greeting cards?

I have been sending them(free) email for years.
:happy

https://www.123greetings.com/
by Toons
Tue Sep 18, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7562

Re: Leasing Cars in Retirement

I don't know if it is good or bad
I buy.
Cash.




:happy
by Toons
Tue Sep 18, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Chasing Mutual Fund Performance - Follow the Momentum?
Replies: 5
Views: 520

Re: Chasing Mutual Fund Performance - Follow the Momentum?

"Put another way: Performance chasing works." For Real? :shock: Yes, according to the article, if you "select[] mutual funds based on their performance over the previous 12-months," rebalance your portfolio every month, and ignore transaction costs. But if you "select[] funds based on their three-y...
by Toons
Mon Sep 17, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Chasing Mutual Fund Performance - Follow the Momentum?
Replies: 5
Views: 520

Re: Chasing Mutual Fund Performance - Follow the Momentum?

"Put another way: Performance chasing works."

For Real? :shock:
by Toons
Mon Sep 17, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6925

Re: Is there such thing as saving TOO much?

If you are
"Content"
Don't change a thing.
If you don't want to spend some of your money,
Consider a charity of your choice
:happy
by Toons
Mon Sep 17, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3551

Re: Anyone hire an interior designer?

Nope,
My wife and I do a great job ourselves.
:happy
by Toons
Mon Sep 17, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3215

Re: Vanguard Personal Advisor - .33%

"The funds automatically rebalance regularly"
Exactly
I might be missing something.
I own mutual funds with the idea of holding them for decades,
I never have "traded" mutual funds.
Personally I don't see whats to manage for me.
:happy
by Toons
Sat Sep 15, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5167

Re: The twenty dollar rule revisited

Strict Budget In Quicken
Lived beneath our means.



:happy