Search found 12132 matches

by Toons
Mon Jan 15, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 23
Views: 1398

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: 13
Views: 811

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: 28
Views: 1258

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: 16
Views: 1454

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: 34
Views: 5159

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: 35
Views: 2609

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
by Toons
Sun Jan 14, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes
Replies: 25
Views: 2691

Re: Estimated taxes

I "made" more due to increasing dividends and capital gains payouts this
My fourth quarter payment will reflect that. :happy
by Toons
Sun Jan 14, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 35
Views: 2452

Re: Any high-end skincare products worth it?

I use equate brand products from Walmart.
Works just fine. :happy
by Toons
Sun Jan 14, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1262

Re: Anyone Gone All the Way with LastPass?

All Passwords are in LastPass.
For many years.
Taxes,,banking,,investing,,on and on.
Access from any device,,which I do,
All the time. :happy
by Toons
Sun Jan 14, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 27882

Re: Where to retire in Florida?

South Florida..,
Middle of the State,
Less Crowded,
You can get to either coast in a relatively short while.
:happy
by Toons
Sun Jan 14, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2030

Re: Do you correct cashier mistakes?

If there is one to correct,
Then Yes either for me or them.
by Toons
Sat Jan 13, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 50
Views: 4176

Re: Getting your spouse on the same page

For Starters.
Both Of You Sit Down Together.
Hammer out a strict budget Together.
Stick To It Together.
You Will Be Rewarded ,Together.
Live Beneath Your Means.




:happy
by Toons
Sat Jan 13, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest Emergency Fund
Replies: 11
Views: 626

Re: Where to Invest Emergency Fund

Capital One 360 Money Market :happy

https://www.capitalone.com/bank/savings ... t-account/

Or
Lifestrategy Conservative Growth
Or
A combination of Both
:happy
by Toons
Sat Jan 13, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7522

Re: Heading for a top?

I have no control over it, Why Fret.(Nothing to Fret About) Corrections,Bear Markets are healthy . That is when wealth is created (ifyou are steady buying) You just don't know it at the time. Invest. Reinvest :happy This is certainly true. The money that's accumulating in our accounts now its a res...
by Toons
Sat Jan 13, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 33
Views: 2069

Re: Vanguard Personal Advisory Services Fees

You say you are "near" retirement.
Give it some more thought.
No need for kneed jerk movements right now.
I agree ,a lot of money for a seven figure portfolio Of Index Funds.
Whats to manage.Take the dividends in cash.
:happy
by Toons
Sat Jan 13, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: 401K: Should I manage this myself?
Replies: 17
Views: 1028

Re: 401K: Should I manage this myself?

I suggest Vanguard LifeStrategy Moderate Growth.
60/40
Keep It Simple
:happy
by Toons
Sat Jan 13, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7522

Re: Heading for a top?

I have no control over it,
Why Fret.(Nothing to Fret About)
Corrections,Bear Markets are healthy .
That is when wealth is created (ifyou are steady buying)
You just don't know it at the time.
Invest.
Reinvest


:happy
by Toons
Fri Jan 12, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 31
Views: 1507

Re: Insurance: Who do you use? (Auto/Home)

Geico
For 10 Years Now.
by Toons
Fri Jan 12, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Spoke with Vanguard today about managed account
Replies: 5
Views: 541

Re: Spoke with Vanguard today about managed account

Just Curious
40/60 Sounds like Vanguard Conservative Growth.
No management fee.
Other Than Expense Ratio.
It has worked and continues to work for me :happy
by Toons
Fri Jan 12, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4223

Re: Almost a pathological fear of debt, to my detriment?

"like my car loan"

No,
Free the Mind,
Remain Debt Free.
Do Not Be A Slave To The Lender


:happy
by Toons
Fri Jan 12, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4305

Re: Help me stop my addiction to stock market peeping!

Pigeye Brewster wrote:
Fri Jan 12, 2018 10:45 am
Toons wrote:
Thu Jan 11, 2018 8:48 am
Put a couple rubber bands on your wrist,
Every time you "peek".
Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect.
It will aid you in "conditioning" your behavior
http://www.collaborativefund.com/blog/t ... certainty/

:beer
Skinner Excellent
by Toons
Fri Jan 12, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 45
Views: 2397

Re: Keeping sensitive documents in the cloud -- bad idea?

I guess I could fret about it...
what good is it going to do me.
Everything stored In Google Drive.
:happy
by Toons
Thu Jan 11, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3469

Re: Profiles Of Some Successful Investors

Once again.
Hold for decades.
Reinvest the Dividends.
The Miracle Of Compounding At Work
For "You"





:mrgreen:
by Toons
Thu Jan 11, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Stock/bond mix
Replies: 5
Views: 330

Re: Stock/bond mix

"At present, I feel very comfortable
with 55% stocks."
Good ,Stick With It.
Check Out Vanguard Lifestrategy Conservative Growth for both Income and Growth :happy
by Toons
Thu Jan 11, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Who Reads Mutual Fund Annual Reports
Replies: 7
Views: 370

Re: Who Reads Mutual Fund Annual Reports

I used to years ago.
As Taylor mentioned though,
Time is Precious,
The market will do what it will do.
:happy
by Toons
Thu Jan 11, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4305

Re: Help me stop my addiction to stock market peeping!

Toons wrote:
Thu Jan 11, 2018 8:48 am
Put a couple rubber bands on your wrist,
Every time you "peek".
Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect.
It will aid you in "conditioning" your behavior
:happy

:thumbsup
It has helped me break several bad habits
by Toons
Thu Jan 11, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: How often should my AA adjust?
Replies: 17
Views: 949

Re: How often should my AA adjust?

Adjust to your
"Sleep Well Point"
Whenever and Whatever that may be.
:happy
by Toons
Thu Jan 11, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Please help guide me to retirement. 401K info added
Replies: 17
Views: 1094

Re: Please help guide me on my road to retirement

" House- Owe 238k left on loan @ 4.5% for 30 yrs. Refinanced about 6 months ago to take out money for the land we purchased. Recently appraised for $315k Land- Owe $102k left on $110k loan @ 3.5% for 4yrs. About 3.5yrs remaining. Rough land appraisal $180k Auto loan #1- Owe $28k on $35k loan @ 5.9% ...
by Toons
Thu Jan 11, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Buffett on bonds
Replies: 34
Views: 4855

Re: Buffet on bonds

"Large vessels may venture more, but little boats should keep near shore." Attributed to Ben Franklin. What's 'right' for the QE2 isn't necessarily 'right' for a canoe - and vice versa. The principle works the same when your portfolio is 4-5-6-7 digits long compared to someone with an 11 digit long...
by Toons
Thu Jan 11, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Buy bonds until market correction
Replies: 28
Views: 2258

Re: Buy bonds until market correction

"don't think that now is a good moment to do so"

If you are thinking at bare minimum 10 years or less then,
no it is not a good time to invest in the equity markets
Time Not Timing.
:happy
by Toons
Thu Jan 11, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4305

Re: Help me stop my addiction to stock market peeping!

Put a couple rubber bands on your wrist,
Every time you "peek".
Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect.
It will aid you in "conditioning" your behavior
:happy
by Toons
Thu Jan 11, 2018 8:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 82
Views: 6180

Re: Post your Financial Milestone Announcements Here

To quote Bob Brinker, My spouse and I are in the , "Land Of Critical Mass",and have been so for quite a while. Keeping debt to a bare minimum,investing frequently(reinvesting)got us there. Count Our Blessings Every Day. :happy If you will. . . what is the "Land of Critical Mass"? Never heard that b...
by Toons
Wed Jan 10, 2018 3:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 82
Views: 6180

Re: Post your Financial Milestone Announcements Here

To quote Bob Brinker,
My spouse and I are in the ,
"Land Of Critical Mass",and have been so for quite a while.
Keeping debt to a bare minimum,investing frequently(reinvesting)got us there.
Count Our Blessings Every Day.
:happy
by Toons
Wed Jan 10, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use a CPA for my taxes this year?
Replies: 9
Views: 697

Re: Should I use a CPA for my taxes this year?

Trust Yourself.
Confidence.
You can do it.
Tackling the unknown will help you learn :happy
by Toons
Wed Jan 10, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 486

Re: antivirus for windows 7

bloom2708 wrote:
Wed Jan 10, 2018 11:52 am
Windows Defender should cover the 80%.

I have used ADW Cleaner (free) a few times to remove something Defender cannot find. It does a quick scan and then you can clear malicious items.

+1 :happy
by Toons
Wed Jan 10, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Magazine
Replies: 17
Views: 1754

Re: Personal Finance Magazine

Then only finance magazine I used to subscribe to was Money Magazine.
During the early 90's.
Since the advent of the internet for the masses around the mid nineties ,
I stopped subscribing.
No need.
No ads :happy
by Toons
Wed Jan 10, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 20754

Re: What age did you become debt free and what opportunities did it create?

Years ago.
Opportunity?
Options do with our time what we want to.
Creative juices flow when unencumbered from the albatross of DEBT around the neck of.
No desire to be a slave to the lender :happy
by Toons
Tue Jan 09, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: An economist dismisses the idea of dollar cost averaging
Replies: 71
Views: 5253

Re: An economist dismisses the idea of dollar cost averaging

The wise investor will invest 10k {lump sum }in the total stock market .
leave it there for 30 years ,reinvesting the dividends and capital gains.
Time Not Timing :happy


The part about being in the stock market for "10 months"?
I am unable to wrap my brain around it. :happy
by Toons
Tue Jan 09, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or invest in munis?
Replies: 11
Views: 1199

Re: Pay down mortgage or invest in munis?

Similar scenario but 3.125% mortgage and 2 years to reset (worst case would be 5.125% in 2020, 7.125% in 2021 and 8.125% thereafter) almost coinflip whether or not we will itemize this year depending on charitable deductions, prepaying december/january payment, etc. 33% combined tax rate We're thin...
by Toons
Mon Jan 08, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 137
Views: 13123

Re: Anyone disenchanted with retirement?

Not in the least.
Never enough time in the day.
So much life to experience,
So little time. :happy
by Toons
Mon Jan 08, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine
Replies: 41
Views: 6196

Re: "Jack Bogle and Vanguard’s $5,000,000,000,000 Question"

Taylor Larimore wrote:
Mon Jan 08, 2018 3:10 pm
Bogleheads:

The Philadelphia Inquirer recently published this excellent article about Jack Bogle and Vanguard.

Jack Bogle and Vanguard’s $5,000,000,000,000 Question

Best wishes.
Taylor
Thanks for the link,
Excellent :happy
by Toons
Mon Jan 08, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 75
Views: 6745

Re: So, how was the year ? Gains made and Lessons learnt ?

Lesson Learned?
As always....
Hurry Up And Do Nothing
Other than
Consistent investing.
:happy


:mrgreen: