Search found 12682 matches

by Toons
Sat Jun 16, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 116
Views: 7027

Re: Which boglehead rule do you break--and are ok with

I own actively managed mutual funds and
Individual Stocks
Yes I am just fine with it






โ˜ฎ
by Toons
Sat Jun 16, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 44
Views: 2647

Re: What are your hobbies?

Photography,
Golf
Tinkering with technology,,computers,,etc
Reading
Exercising.
Volunteering

:happy
by Toons
Fri Jun 15, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 38
Views: 2823

Re: Paying off mortgage early

Pay it off today ,,,,,,,,,or
Tomorrow.








๐Ÿ‘
๐Ÿ’ช
by Toons
Fri Jun 15, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 45
Views: 3160

Re: Where to invest $50K+ down payment money for five years?

5 years.
Lifestrategy Income,
Reinvest the dividends.

:happy
by Toons
Wed Jun 13, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2502

Re: Trade-up my $89 Walmart bike

"Retired and currently ride 6-12 miles a day, 3-5 days a week"

Get any bicycle your heart desires.
If you can afford it I would not question the cost.
You worked hard all your life.
Enjoy yourself....
๐Ÿ‘Š
by Toons
Wed Jun 13, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Schwab's market predictions next 10 years
Replies: 20
Views: 2623

Re: Schwab's market predictions next 10 years

Great.
Keep Saving and Investing..


๐Ÿ™ˆ
by Toons
Wed Jun 13, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 173
Views: 13736

Re: Life in retirement - what did you do today?

* Spanish lessons. * Another spanish lesson while drinking coffee. * Helped my friend in Mexico City with some new english words...via Tandem application * Spoke with another friend in Portugal who is learning English also. * Intensive spanish lesson,, * More spanish with my friend in Mexico City,,...
by Toons
Tue Jun 12, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 173
Views: 13736

Re: Life in retirement - what did you do today?

CULater wrote: โ†‘
Tue Jun 12, 2018 6:13 pm
This part had me concerned:
Spouse and I went to Walmart ,as soon as we hit pickup area attendant
Be careful out there. :P
Hahahah,,Excellent bravo :sharebeer
by Toons
Tue Jun 12, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2347

Re: Chipmunk Repellent?

Use the same method when catching birds.
Put salt on the chipmunk's tail


:mrgreen: :mrgreen:
by Toons
Tue Jun 12, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Taking $1M+ Long Term Capital Gains
Replies: 68
Views: 6098

Re: Taking $1M+ Long Term Capital Gains

Sell,
Pay the capital gains tax.
An inherent part of making money in the investment world.
It is a bunch of numbers moving around.

:happy
by Toons
Tue Jun 12, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 78
Views: 5321

Re: Anyone with a paid off house drop homeowners insurance

Paid off years ago,,,
Keep 5000 deductible.
960 a year.
It is psychological comfort for me.
:happy
by Toons
Tue Jun 12, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 173
Views: 13736

Re: Life in retirement - what did you do today?

Today. Drank 1 cup of coffee, fruit cup,vitamins Spanish lessons. handled a few financial transactions ,quicken,,Bogleheads site,,Washington Post ,Google News. Outside... Cut grass with push-mower half acre sidehill lie Had a lot of huge branches to cut up and burn in fire pit...from several trees I...
by Toons
Tue Jun 12, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 62
Views: 4963

Re: Strategy for a prolonged bear market

If you have time on your side,,, 10 years minimum Increase your allocation to equities. Doom and Gloom scenarios,the death of equities,,, Great news for wealth building ๐Ÿ’ช๐Ÿ’ช +1. I'm 31, 100% in stocks, work in the federal government, and max out my 401K, IRA, and HSA. A prolonged bear market would be...
by Toons
Mon Jun 11, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 62
Views: 4963

Re: Strategy for a prolonged bear market

If you have time on your side,,,
10 years minimum
Increase your allocation to equities.
Doom and Gloom scenarios,the death of equities,,,
Great news for wealth building

๐Ÿ’ช๐Ÿ’ช
by Toons
Mon Jun 11, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: [Net worth in retirement: How do you know when "enough is enough"?]
Replies: 15
Views: 2590

Re: [Net worth in retirement: How do you know when "enough is enough"?]

When I found that although we spend what we want to spend,
The Net worth keeps growing due to the compounding of invested monies.
:happy
by Toons
Sun Jun 10, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 434
Views: 96932

Re: Anyone regret paying off mortgage early?

No to the
"Infinity"

๐ŸŒŸ๐ŸŒŸ๐ŸŒŸ
by Toons
Sat Jun 09, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Need motivation - how much did you lower expenses by downsizing ( if you did)
Replies: 11
Views: 1571

Re: Need motivation - how much did you lower expenses by downsizing ( if you did)

5000 a year property tax in Western Ny 1800 sq ft.
695.00 a year in Tennessee,,,1400 sq. additional land also.
gasoline .40 per gallon less expensive.
For starters.

:happy
by Toons
Sat Jun 09, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investments and long term financial road
Replies: 15
Views: 1137

Re: Help with investments and long term financial road

Forget Investing
Attack your debt with a vengeance.
I would also examine my spending behavior.



๐Ÿ‘Š
by Toons
Sat Jun 09, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 9904

Re: Why do we work?

For Me,,,,,Maslow
Food ,Shelter,Clothing.



โ˜ฎ
by Toons
Sat Jun 09, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: If you suddenly became a millionaire [exceed FDIC insurance limit]
Replies: 31
Views: 5061

Re: If you suddenly became a millionaire [exceed FDIC insurance limit]

I keep about 50k with CapOne for immediate cash purposes.
All other financial assets are with Vanguard ,Wells Fargo,Fidelity.
:happy
by Toons
Sat Jun 09, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease for parents
Replies: 37
Views: 2479

Re: Car Lease for parents

denovo wrote: โ†‘
Sat Jun 09, 2018 2:56 pm
Car leases are bad regardless of age.
+1
:happy
by Toons
Sat Jun 09, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3413

Re: How much to spend on daycare?

theplayer11 wrote: โ†‘
Fri Jun 08, 2018 8:16 pm
Toons wrote: โ†‘
Fri Jun 08, 2018 12:13 pm
Somebody stay home with the child as long as possible.


:)
+1000
Thanks,,
I did it ,,My wife was the sole breadwinner,,,
We decided more money was not the answer,,,, :
Nothing can replace what my son and I now reflect on,,,from his formative years and beyond.
He is 26.

:happy
by Toons
Fri Jun 08, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Factors From Scratch
Replies: 11
Views: 876

Re: Factors From Scratch

Whew,,my brain is overworked...,
Point ,Click,purchase index fund shares
I am going back to stare at the green leaves

:mrgreen: :mrgreen:
by Toons
Fri Jun 08, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4791

Re: $1M Question

Can You "break in" to Fort Knox??


:mrgreen: :mrgreen:
by Toons
Fri Jun 08, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3413

Re: How much to spend on daycare?

Somebody stay home with the child as long as possible.


:)
by Toons
Fri Jun 08, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3732

Re: Death - Prediction

Who? Me? Predict? Silly exercise for me. I had a heart attack just before reaching 65. My prediction then? Less than 10 years. And, my father died at 61, my sister at 73. Silly exercise. Now I am 85, just 2 days ago blacktop coated my 3000 sq. ft driveway, cleaned the gutters, cut my 1/2 acre lawn ...
by Toons
Fri Jun 08, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you Invest in Good Economy like this ?
Replies: 27
Views: 2094

Re: Where do you Invest in Good Economy like this ?

Vanguard Lifestrategy Conservative Growth.
Vanguard Tax Free Intermediate Term.







๐Ÿ˜‰
by Toons
Fri Jun 08, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Investing or Paying Off The House
Replies: 14
Views: 1191

Re: Investing or Paying Off The House

My favorite Question,,,For me, no need to read the thread....
Pay Off The Mortgage
๐Ÿ˜‰
by Toons
Fri Jun 08, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 2976

Re: Porsche Macan

Offer 50 :happy https://rick-hill.porschedealer.com/inventory/?condition=new&make=Porsche&model=Macan&_pcids=2aeb0d49142e4b1dacf5c976c4c3e770%2c31418cd5eef74df49b87960a7b5cc80a%2c94d8a2a37395b143ca6c112dabd06100%2cdfd0b9a89179e9b72c2b448a75df2725&_pcsourceid=054e8c546ec15622067d1571e44d3b91&_vsrefd...
by Toons
Fri Jun 08, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 7253

Re: VMMXX (Vanguard Prime MM) risks

FYI
From Vanguard Prospectus

"You could lose money by investing in the Fund. Although the Fund seeks to
preserve the value of your investment at $1.00 per share, it cannot guarantee it
will do so. "


:happy
by Toons
Fri Jun 08, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Florida but you are hundreds of miles away
Replies: 33
Views: 2687

Re: Buying a house in Florida but you are hundreds of miles away

Start With Zillow Search Anywhere. Link is for St Augustine. https://www.zillow.com/homes/saint-augustine_rb/?utm_content=448826822|22647879422|kwd-36654015080|150069695912|&semQue=null&k_clickid=d4b624a6-b0a6-4a3f-ba36-41e8066d98ac&gclid=CjwKCAjw0ujYBRBDEiwAn7BKt366b6btLIVOKAn9k1LjAHt8YGgYZ_HYHiik4...
by Toons
Fri Jun 08, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 2976

Re: Porsche Macan

Offer 50 :happy https://rick-hill.porschedealer.com/inventory/?condition=new&make=Porsche&model=Macan&_pcids=2aeb0d49142e4b1dacf5c976c4c3e770%2c31418cd5eef74df49b87960a7b5cc80a%2c94d8a2a37395b143ca6c112dabd06100%2cdfd0b9a89179e9b72c2b448a75df2725&_pcsourceid=054e8c546ec15622067d1571e44d3b91&_vsrefdo...
by Toons
Thu Jun 07, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX with 25-30 year investment plan. Looking for advice. [Vanguard LifeStrategy Growth]
Replies: 31
Views: 2340

Re: VASGX with 25-30 year investment plan. Looking for advice. [Vanguard LifeStrategy Growth]

I have owned Vasgx since 1998 Maxed it with Roth Ira contributions for 11 years , Spouse and Myself. It has provided us with growth of capital over the ensuing 19 years, Which was our objective. Still own it,,no plans to sell any shares. ๐Ÿ˜Š Thank you Toons. I am going to invest, keep investing, and ...
by Toons
Wed Jun 06, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX with 25-30 year investment plan. Looking for advice. [Vanguard LifeStrategy Growth]
Replies: 31
Views: 2340

Re: VASGX with 25-30 year investment plan. Looking for advice. [Vanguard LifeStrategy Growth]

I have owned Vasgx since 1998
Maxed it with Roth Ira contributions for 11 years ,
Spouse and Myself.
It has provided us with growth of capital over the ensuing 19 years,
Which was our objective.
Still own it,,no plans to sell any shares.

๐Ÿ˜Š
by Toons
Wed Jun 06, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy at 55
Replies: 16
Views: 2891

Re: Investment Strategy at 55

Pay Off The Mortgage .
Vanguard Balanced Index Fund (Admiral)
๐Ÿ˜Š
by Toons
Wed Jun 06, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1332

Re: Switching car insurance agents

Geico Online,
Keep It simple and streamlined.
No need to interact with a middleman or woman :happy
โœŒ๐Ÿป
by Toons
Wed Jun 06, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Cash Accumulation - where to invest it?
Replies: 11
Views: 762

Re: Short Term Cash Accumulation - where to invest it?

2-4 year
High Yield Savings
CD
Money Market,,,
โœŒ๐Ÿป
by Toons
Wed Jun 06, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 9622

Re: What are you doing with cash?

Spending Some Traveling.....
Buying shares of Intermediate Tax Exempt ,,
And Lifestrategy Conservative Growth
โœŒ๐Ÿป
by Toons
Wed Jun 06, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help, Huge Decision
Replies: 26
Views: 4231

Re: Please Help, Huge Decision

Vanguard Balanced Index Fund
โœŒ๐Ÿป
by Toons
Wed Jun 06, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance for Young Couple
Replies: 28
Views: 1974

Re: Term Life Insurance for Young Couple

Maybe the info below will help you get started.
Best Term Life
https://www.thesimpledollar.com/best-te ... insurance/



โœŒ๐Ÿป
by Toons
Wed Jun 06, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3335

Re: Upgrade to SSD for 5-year old desktop?

I wouldn't I would upgrade with a new computer. You can get a whole lot of bang for the buck for a desktop. I just picked up one from Walmart for 349 on sale. HP,1 terabyte,8gig ,Windows10,bluetooth,I3 7th generation,small form factor. Hardware and software has improved vastly in the last 5 years. J...
by Toons
Sat Jun 02, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 3859

Re: Do you have a monthly household budget?

I kept a budget for decades so that one day I wouldn't have to.:happy Ditto what Toons said. When I was in my 20s and 30s, I kept a strict budget and stuck to it, broken down into categories of fixed-cost needs (housing, utilities, food, student loan payments, etc.) and variable-cost wants (enterta...
by Toons
Wed May 30, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Recommend new TV for 93 year old lady
Replies: 28
Views: 1890

Re: Recommend new TV for 93 year old lady

Walmart
Samsung or
Vizio


:happy
by Toons
Wed May 30, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11454

Re: To be or not to be complex, that is the question

"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" โ€“Bruce Lee




:happy :happy