Search found 12359 matches

by Toons
Sat Feb 17, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 7
Views: 506

Re: The Final Frontier...just did my own taxes!

Congratulations Are In Order!!
Look at how much you learned and
The confidence that was bolstered
:happy
by Toons
Sat Feb 17, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2308

Re: USAA 41% More For Car Insurance

Shop Geico
Get A Quote Online.
Not Affiliated :happy
by Toons
Sat Feb 17, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 26
Views: 1309

Re: Which book for an 18 year old who is asking about investing?

The Only Investment Guide You''ll Ever Need Andrew Tobias, Check Your Library. https://books.google.com/books?id=DW8pCgAAQBAJ&printsec=frontcover&source=gbs_ge_summary_r&cad=0#v=onepage&q&f=false https://www.amazon.com/Only-Investment-Guide-Youll-Ever-ebook/dp/B011H55NBM/ref=sr_1_1?ie=UTF8&qid=15188...
by Toons
Fri Feb 16, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil
Replies: 16
Views: 1208

Re: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil

" Vanguard found that 97% of households did not trade. Vanguard also found that trading on volatile days rarely exceeds 1% of households.” I am assuming that indicates that active trading is not one of the roads to wealth creation,or more of the millions upon millions of Vanguard shareholders would ...
by Toons
Fri Feb 16, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 78
Views: 5311

Re: Why paying off loans would be better than fully funding 401k?

Without a shred of doubt.
Pay off Debt.
Ball And Chain(s),
While traveling the road of
"Wealth Creation"


:idea:
by Toons
Thu Feb 15, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage because of new tax deductions?
Replies: 10
Views: 1805

Re: Pay off mortgage because of new tax deductions?

Over 70 and a mortgage.
I would not crunch numbers
Pay It Off Today.
Be Done With It.
:happy
by Toons
Thu Feb 15, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 812

Re: Used car - warranty or no?

3 - Buy a warranty on the car so you’re covered for at least five years I wouldn't ,just sayin,never have bought one on any vehicle. I take care of them as the miles accumulate. :happy Remember ,Insurance is sold to make money. FYI http://genxfinance.com/is-an-extended-warranty-on-a-used-car-worth-...
by Toons
Thu Feb 15, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 27
Views: 1762

Re: Suggestions for Reasonably Safe Funds

retiredjg wrote:
Wed Feb 14, 2018 6:42 pm
What is the other half of your 401k invested in?

If stocks, consider something like the LifeStrategy Conservative Growth fund which is 40% stocks and 60% bonds.
+1 :happy
by Toons
Wed Feb 14, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1724

Re: Where would you park 140k

Vanguard Balanced Index Fund(Admiral Shares)






:wink:
by Toons
Wed Feb 14, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 69
Views: 5524

Re: What if you only live off dividends?

Dividends
Cap Gains
Interest.
Yes It Can Be Done. :wink:
by Toons
Wed Feb 14, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 26
Views: 1644

Re: Digital alarm clock suggestions?

Angelus359 wrote:
Wed Feb 14, 2018 9:40 am
If you want minimal buttons you could get an Amazon Alexa echo dot, and use that as an alarm

Bingo.
That is what we use :happy
by Toons
Wed Feb 14, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing thru contributions?
Replies: 12
Views: 631

Re: Rebalancing thru contributions?

I would go with Option A.








:idea:
by Toons
Wed Feb 14, 2018 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Helping Mom with Taxes
Replies: 40
Views: 1822

Re: Helping Mom with Taxes

Pension distribution is reported on Form 1099-R. IRA distribution is also reported on Form 1099-R. Annuity payments are also reported on Form 1099-R. (I googled to figure this out) Social Security is reported on Form 1099-SSA Trust distribution reported on Schedule K-1 (Had to google that too) If h...
by Toons
Tue Feb 13, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying the Financial Records
Replies: 8
Views: 966

Re: Simplifying the Financial Records

Quicken Software
Since 1993









:wink:
by Toons
Tue Feb 13, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Are these fees for real?
Replies: 25
Views: 2184

Re: Are these fees for real?

Info From Vanguard :happy "Imagine you have $100,000 invested. If the account earned 6% a year for the next 25 years and had no costs or fees, you'd end up with about $ 430,000. If, on the other hand, you paid 2% a year in costs , after 25 years you'd only have about $260,000." https://investor.vang...
by Toons
Tue Feb 13, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 69
Views: 5524

Re: What if you only live off dividends?

"The assumption is that the assets will grow back" That is the plan,although in down markets not the case. I have several mutual funds in a taxable account where I take the dividends,cap gains in cash. They are growth and income funds. The last few years after paying out dividends,capgains,,,NAV bei...
by Toons
Tue Feb 13, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Correction vs. Prolonged Bear Market
Replies: 23
Views: 1423

Re: Correction vs. Prolonged Bear Market

I'm curious (and I know there's no hard and fast answer here): What do you all think about the general likelihood of a prolonged bear market in the US? To be clear, I'm not very risk averse (80/20 AA and could tolerate a more aggressive allocation if I felt the need, which I don't), and this has no...
by Toons
Tue Feb 13, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Driver’s Behind The Dip
Replies: 27
Views: 2673

Re: Larry Swedroe: Driver’s Behind The Dip

Driver behind the Dip:
Gravity
:happy
by Toons
Tue Feb 13, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Expecting a crash...but staying the course
Replies: 8
Views: 1596

Re: Expecting a crash...but staying the course

Bring on the "Crash"=Opportunity :sharebeer :sharebeer
by Toons
Tue Feb 13, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1020

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

Washing machine have only so many parts, Fairly straightfoward. I would seek out a "generic" individual. https://www.youtube.com/watch?v=j8rnvvdJaDU Agreed. I fixed my own top load washer. Also my own gas dryer. I needed a pro for my front load washer. I could not figure out the problem on my own. ...
by Toons
Tue Feb 13, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: Correction vs. Prolonged Bear Market
Replies: 23
Views: 1423

Re: Correction vs. Prolonged Bear Market

I certainly have no idea what the future will bring.
Maybe someone else does.
Just invest and stay fixed on your financial destination.
If you are investing for your future retirement
and investing consistenlty,
A prolonged bear market is Your Ally.


8-)
by Toons
Tue Feb 13, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1020

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

Washing machine have only so many parts,
Fairly straightfoward.
I would seek out a "generic" individual.
https://www.youtube.com/watch?v=j8rnvvdJaDU









:sharebeer
by Toons
Tue Feb 13, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: I'm Lost Please Help Me :(
Replies: 20
Views: 2160

Re: I'm Lost Please Help Me :(

140K student loan with 2.95%="APPLY" a good portion of my savings
Be done with the loan within the nex 6 months.






8-)
by Toons
Tue Feb 13, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 4609

Re: Rolex

Start here, Get a couple different styles :mrgreen: :mrgreen: https://www.amazon.com/Mens-Luxury-Watches-Rolex/s?ie=UTF8&page=1&rh=n%3A9539743011%2Cp_4%3ARolex I like this one. :mrgreen: https://www.amazon.com/Rolex-Dweller-Silver-Yellow-326938SRO/dp/B01MY2ZBN5/ref=sr_1_6?s=apparel&ie=UTF8&qid=15185...
by Toons
Tue Feb 13, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor???
Replies: 11
Views: 668

Re: Financial Advisor???

The last thing I am going to do is "bash" someone who is trying to make a living. Many people would rather pay for financial services. That is fine. There are many threads on the site relating to your question. Here is a link to prior thread reagarding such. https://www.bogleheads.org/forum/viewtopi...
by Toons
Tue Feb 13, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 109
Views: 7391

Re: What big item (>20k) are you saving up for?

Can't think of anything at the moment related to finances.
Material "Wants" have been satisfied.








:mrgreen:
by Toons
Mon Feb 12, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16179

Re: Number at which to stop worrying

Does Worrying Solve Anything :D
Save and Invest.Think Positive.
by Toons
Mon Feb 12, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Driver’s Behind The Dip
Replies: 27
Views: 2673

Re: Larry Swedroe: Driver’s Behind The Dip

I believe In What Bogle says. "Nobody Knows Nothing" Excellent In 3 Words. :happy https://www.youtube.com/watch?v=A0gQiz0pCyI No rational person would invest if they truly believed this. I like the phrase Nobody knows Enough * better * to predict short-term market movements :sharebeer
by Toons
Mon Feb 12, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4037

Re: How does one emotionally keep it together during market swings?

Why let "outside" events affect how you feel.
It lies between the ears
:happy
by Toons
Mon Feb 12, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Driver’s Behind The Dip
Replies: 27
Views: 2673

Re: Larry Swedroe: Driver’s Behind The Dip

saltycaper wrote:
Mon Feb 12, 2018 2:49 pm
Toons wrote:
Mon Feb 12, 2018 2:46 pm
I believe In What Bogle says.
"Nobody Knows Nothing"
Excellent In 3 Words.
:happy

https://www.youtube.com/watch?v=A0gQiz0pCyI
No rational person would invest if they truly believed this.
I always thought I may be somewhat irrational at times..
You confirmed it..... :sharebeer
by Toons
Mon Feb 12, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3775

Re: Going Paperless Issues

No email
99.9% of mine are auto debit from a checking account
Utilities
Insurance,Health ,auto home
Cell phone
internet bill
I pay property tax at my discretion.
Those are my "bills"
:happy
by Toons
Mon Feb 12, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Driver’s Behind The Dip
Replies: 27
Views: 2673

Re: Larry Swedroe: Driver’s Behind The Dip

I believe In What Bogle says.
"Nobody Knows Nothing"
Excellent In 3 Words.
:happy

https://www.youtube.com/watch?v=A0gQiz0pCyI
by Toons
Mon Feb 12, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2240

Re: Lower Payroll Withholding - What are you doing with it?

Lower withholding on Pension Check.
More than a "few" Senior cups of coffee at
Mcdonalds :happy
by Toons
Mon Feb 12, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 65
Views: 5078

Re: Washer/Dryer longevity ?

I suggest upgrading.
New technology has far improved since your model











:wink:
by Toons
Mon Feb 12, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Where to put money for car/house expenses
Replies: 10
Views: 492

Re: Where to put money for car/house expenses

Capital One 360 Money Market.
Transfer it to checking if needed ,
which I did last week for a car.
:happy
by Toons
Mon Feb 12, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Help me get back into the market
Replies: 40
Views: 6694

Re: Help me get back into the market

Lump Sum.
Don't look at it
:happy
by Toons
Mon Feb 12, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7039

Re: I’m not renewing my Costco membership.

Thinking about the Same here with Sams Club.
Just two of us.
We seem to be better served going to Walmart for smaller quanities or
having it shipped from Amazon or Walmart. :happy
by Toons
Sun Feb 11, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 45
Views: 2110

Re: Mesh wifi solution sought for new house

Hire a Networking firm in your area to set things up(Not the Geek Squad) :mrgreen:
by Toons
Sun Feb 11, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4037

Re: How does one emotionally keep it together during market swings?

Volatility Is An Inherent Part Of Investing. Remember that Word-Inherent(existing in something as a permanent, essential, or characteristic attribute) Unavoidable if you invest in the markets and are seeking Growth,Growth & Income.No Risk No Reward. If you are not emotionally prepared for the long t...
by Toons
Sun Feb 11, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 103
Views: 4791

Re: how did you determine your risk tolerance?

When I successfully rewired my brain,many years ago, to grasp the fact that bear markets are opportunity and should be embraced
:D
by Toons
Sun Feb 11, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 45
Views: 2110

Re: Mesh wifi solution sought for new house

1 covers 1500 sq feet
A set of 3 covers 4500 sq feet or more
Get 4 or More :happy
I believe they will work fine.
If not,,Easy Amazon return
:wink:
by Toons
Sun Feb 11, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 1968

Re: Wellesley Income performance

Measure performance in decade intervals at minimum.
Relax :happy
by Toons
Sun Feb 11, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 45
Views: 2110

Re: Mesh wifi solution sought for new house

You plug em in,configure with the app on the phone :happy
https://www.youtube.com/watch?v=z7PPYNs5Xao
by Toons
Sun Feb 11, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 45
Views: 2110

Re: Mesh wifi solution sought for new house

I Have one desktop hardwired.
The mesh wireless is for chromebooks,phones,firestick,chromecast,computer out in the garage,streaming netflix in the Rv in the driveway :mrgreen:
A lot of times I sit out in the shed,with a laptop and,
Hang out on the Bogleheads site :wink: