Search found 12172 matches

by Toons
Mon Jan 22, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 35
Views: 3210

Re: 50/50 AA recommended by Benjamin Graham

50/50 is a great "sleep well" point for many investors. As long as you reach your financial goals.... It doesn't matter what your asset allocation entails. :D :D The link below,,,,2014 but valuable insight. :happy http://awealthofcommonsense.com/2014/04/whats-worst-10-year-return-5050-stockbond-por...
by Toons
Mon Jan 22, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 35
Views: 3210

Re: 50/50 AA recommended by Benjamin Graham

50/50 is a great "sleep well" point for many investors. As long as you reach your financial goals.... It doesn't matter what your asset allocation entails. The link below,,,,2014 but valuable insight. :happy http://awealthofcommonsense.com/2014/04/whats-worst-10-year-return-5050-stockbond-portfolio/
by Toons
Mon Jan 22, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Is Tax CPA really needed for Vanilla Investments ?
Replies: 19
Views: 1062

Re: Is Tax CPA really needed for Vanilla Investments ?

"However, for a straight salary and simple investments in mutual funds/etfs, do you see any advantage of having tax return done by cpa ?" Not necessary at all. Suggestion. Pick out a tax provider online. Taxact,Turbo,,,etc. Create an account. Follow the interview step by step. Enter your own data(w...
by Toons
Mon Jan 22, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 47
Views: 4741

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

6 months?
Give it Ten Years.
Rates up
Nav Down.
Reinvest the dividends.
You will be fine.
Stop peeking.
:happy
by Toons
Mon Jan 22, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 40
Views: 1586

Re: Cutting cable

Cut it a few years back.
Nothing but an ad delivery system.
Netflix..
Youtube.
OTA antennae works fine but rarely watch "TV" anymore.


:mrgreen:
by Toons
Sun Jan 21, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Does anyone subscribe to Kiplinger's, Kiplinger's Retirement Review, or Smart Money?
Replies: 21
Views: 1278

Re: Does anyone subscribe to Kiplinger's, Kiplinger's Retirement Review, or Smart Money?

I suscribed to Money over 20 years ago.
Since the advent of the internet,,,
No need ,personally,for subscriptions. :happy
by Toons
Sun Jan 21, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 97
Views: 3901

Re: Going to one income-seeking testimonials

Without a shred of doubt you can do it.
You need food,shelter,clothing,healthcare,transportation,utilities.
Pretty much beyond that is up to your wants.
Time that Parent(s) can spend with their children while growing up is far more important than money.
"Been There Done That"
:happy
by Toons
Sun Jan 21, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 45
Views: 4779

Re: AA is much harder than I thought...

Back in 1997 I could not understand the logic of owning any bonds and had a very tech heavy portfolio. The daily grind of watching $1.3M dwindle to $589K was .. well, without 4 letter words, horrid. It took more than a decade for me to recover. I'm now 45/55 with 18 years draw in bonds sans dividen...
by Toons
Sun Jan 21, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 6904

Re: Lost money through Bitconnect scam - learned my lesson

It is "Money".
If it sounds too good to be true,,,,,,,,,,
Life Lessons
Part of The Journey.
Keep Smilin
:happy :happy
by Toons
Sat Jan 20, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 71
Views: 2835

Re: Laughter is the Best Medicine - What makes you Laugh?

Dancing In front of the mirror,,,
Looking at my wifes face behind me.

:mrgreen: :mrgreen: :mrgreen:
by Toons
Sat Jan 20, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 7509

Re: Fear of dying with too much money?

Leaving this earth with money left behind?
Enjoy
My Family.
I'm gonna focus my thoughts on something else,
Like Going Back To
Big Pine Key.
:mrgreen: :mrgreen:
by Toons
Sat Jan 20, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: "The Pain of Discipline or the Pain of Regret?"
Replies: 18
Views: 2080

Re: "The Pain of Discipline or the Pain of Regret?"

"No Pain,No Gain".
"Pain Is Just Weakness,Leaving The Body"
:happy

The simple solution is to just stay invested,
according to your allocation,
For life.
by Toons
Sat Jan 20, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: House vs Taxable account
Replies: 11
Views: 884

Re: House vs Taxable account

If you are comfortable liquidating your fund assets
I suggest directing the monies towards the mortgage.
15 year.
Work on paying it off early
:happy
by Toons
Sat Jan 20, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 1704

Re: Learning Swimming @ 40+

Face Your Fears :happy
What An Excellent Way,
To "Grow"
Swim On.
:happy :happy
by Toons
Fri Jan 19, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1099

Re: Which tax software for 2017?

tennisplyr wrote:
Fri Jan 19, 2018 7:59 pm
Does anyone know if TT Deluxe automatically uploads data from Vanguard or Fidelity?
Yes You Can Download Your Fidelity and Vanguard Data.
Check the partner list
:mrgreen:

https://www.partner.turbotax.com/top_partner_list.html
by Toons
Fri Jan 19, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 2667

Re: Telemarketing calls from my own prefix

I don't answer my cell unless it is family.
If someone needs to contact me they can leave a voicemail.
For business purposes I use Google Voice Number.
Screen em.

:mrgreen:
by Toons
Fri Jan 19, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 58
Views: 3846

Re: 4k UHD TVs worth it?

I spend most of my viewing time streaming Netflix or Youtube to a
Samusng 27" Curved Monitor.

:mrgreen: :mrgreen:
by Toons
Fri Jan 19, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1099

Re: Which tax software for 2017?

We live in Tn.
No State Income tax,,,there is a 'hall tax" on investment income.
Retired.
Pension.
SS
Investment Income.

Tax Act online(Plus Version) has served me well for years
Here is the link if you are interested :happy

https://www.taxact.com/taxes-online
by Toons
Fri Jan 19, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12516

Re: Can We Retire in Hawaii? Please Critique

Sure You Can Move To Hawaii.
You Can Do Anything You Want To Do.
Make It Happen.
Enjoy Retirement.
Aloha.



:idea: :idea:
by Toons
Fri Jan 19, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Exit strategy for bitcoin
Replies: 71
Views: 4740

Re: Exit strategy for bitcoin

Lot of Energy Being "Spent".
Sell.
Move On.
Think About Something Else.


:wink:
by Toons
Fri Jan 19, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Nobody Knows Nothing - A Chart
Replies: 26
Views: 4207

Re: Nobody Knows Nothing - A chart

"Tune out the noise and stay-the-course"

100% Correct.
Noise=Pure Distraction.






:thumbsup
by Toons
Fri Jan 19, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back or 0% Financing
Replies: 10
Views: 1076

Re: Cash Back or 0% Financing

There is a non-zero chance that the car will be totaled or sold before the loan is paid off which would add a bit of weight towards taking the cash back. I think you are making the math too complicated. I didn't try to crunch the numbers but the way I would look it is; 1) It takes 60 months(or what...
by Toons
Fri Jan 19, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: High Dividend Stocks as bond substitute?
Replies: 32
Views: 2014

Re: High Dividend Stocks as bond substitute?

"Talk me into the asset allocation" Not trying to be "snarky' here. Regarding YOUR finances I think that once YOU know what YOU want to do in this decision making process and are comforatable with it, then it is the right decision FOR YOU. Listen to Others but Make Up Your Own Mind. Confidence,bree...
by Toons
Thu Jan 18, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24767

Re: Hitting The Sell Button

Age and experience have increased my risk tolerance. Having been through ‘87 in my late 20s, then 2000-1, and 2008, I see that I lost no money. In all cases , I closed my eyes for a few years and found I’d made a lot of money. Dips and crashes are to be expected . I don’t much enjoy them, but endur...
by Toons
Thu Jan 18, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3578

Re: I got a Roomba and think you should too

We Keep
One Upstairs and
One Downstairs.
I enjoy hearing them" starting their engines" at
10:00AM Every
Monday ,Friday
Fantastic Cleaners



:mrgreen:
by Toons
Thu Jan 18, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: 0% growth on stocks for the next decade?
Replies: 16
Views: 1914

Re: 0% growth on stocks for the next decade?

0% Return?
Keep Investing
As Much As You Can.
As Often As You Can



:mrgreen:
by Toons
Tue Jan 16, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4414

Re: Anyone pondering moving to a cheaper place and downsizing?

We did it 6 years ago.
To Tn.
1400sq feet.
Minimalist.
As I slowly age and walk from one room to the next....
A sigh of relief..
Less truly is more.


:happy
by Toons
Tue Jan 16, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 39
Views: 2501

Re: Vanguard Tax Forms Now Online

Entered Into TaxAct









:happy
by Toons
Tue Jan 16, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 32
Views: 2208

Re: Need to buy new printer. Suggestions for best value?

My Canon Pixma is similar to this one. Excellent in all respects.(wireless) I print occasionally. When I need cartridges I go to ebay. Color and Black on the way now for 20.00 total. https://www.walmart.com/ip/Canon-PIXMA-MX490-Wireless-Office-All-in-One-Printer-Copier-Scanner-Fax-Machine/45830928 :...
by Toons
Tue Jan 16, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting Vs Savings Rate
Replies: 65
Views: 4384

Re: Budgeting Vs Savings Rate

We always managed to save 30% sometimes more while working.
Did we "need" a budget.
Maybe Not.
Quicken enabled me to zero in where monies were going.
Invaluable tool.
I enjoy the numbers anyway.



:mrgreen:
by Toons
Tue Jan 16, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 18344

Re: Are you finding any good values at Amazon anymore?

I think these flashlights "were" good value.
I paid 13.99.
Next Day they were
17.99


Image

:mrgreen:
by Toons
Tue Jan 16, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7418

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

What specific behaviors do you observe that make that light bulb go off in your head?

After a pattern continues long enough that the masses think it is the "New Norm".
Record ,Massive Inflows to an asset class.
Chasing Performance.
Greed.



:mrgreen: :mrgreen:
by Toons
Tue Jan 16, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 9734

Re: Besides Bogleheads, What Are Your Favorite Forums?

Nada :happy I am with Toons as usual. No Facebook account, no LinkedIn, try to limit my use of internet and smart phones, prefer to read WSJ and NYT and read good books and play golf with friends and enjoying evening wine and dinner conversation with wife and friends. When go to gym which do severa...
by Toons
Tue Jan 16, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?
Replies: 18
Views: 2655

Re: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?

sambb wrote:
Mon Jan 15, 2018 9:27 pm
doesnt matter to me - if i do as well as the overall market, not better or worse, i will achieve my financial goals.

+1 :happy
by Toons
Mon Jan 15, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 42
Views: 3709

Re: why emergency savings?

I think I would let the 20k stay where it is.
:happy
by Toons
Mon Jan 15, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1501

Re: FlipPhone

by Toons
Mon Jan 15, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2370

Re: Recommend an A.C. powered auto tire inflator

This Kobalt has been done the job for us.
I carry it in the Rv and use it to inflate tires if needed.
Also use it with bikes,car,etc.
Lowes had the best price last time I checked.

Model # KL12DD

:happy

Image
by Toons
Mon Jan 15, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 35
Views: 3210

Re: 50/50 AA recommended by Benjamin Graham

Isn't a 50/50 Stock/Bond AA relatively high stock allocation for most? In the book titled The Intelligent Investor why does Benjamin Graham recommend this for most folks? I think he looks at this as the optimal for most but does suggest a range. I believe his suggestion is no less than 25% in stock...
by Toons
Mon Jan 15, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 35
Views: 5676

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

Call_Me_Op wrote:
Mon Jan 15, 2018 8:11 am
Toons wrote:
Fri Jan 12, 2018 12:43 pm
60/40
50/50
Forget About It
:happy
Anyone for 40/60? :wink:
Sounds Great To Me
:sharebeer
by Toons
Sun Jan 14, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3182

Re: How long do you save tax returns?

In pdf format
Stored On Computer and
Google Drive
They don't take up much space
Kilobytes each.
7 years.
No paper
:happy