Search found 12423 matches

by Toons
Sat Feb 24, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 6724

Re: Staying Motivated: How do you ward off hopelessness?

Wake Up . Take Charge. Manage Or Be Managed. Live Beneath Your Means Budget. Save . Invest. Discipline day in day out. Focus on your financial goals and let nothing derail your. There will be bumps in the road, Get Exercise and keep the Body and MIND Sharp Life is supposed to be Tough. Embrace it ....
by Toons
Sat Feb 24, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: "Invest" in Student Loans or Retirement?
Replies: 12
Views: 407

Re: "Invest" in Student Loans or Retirement?

"Debt: 323k student loans (4.8%), 367k mortgage (3.75%), car 28k (2.4%)" That is all I needed to see. Change spending behavior. Student loan,then borrowing that much money for a car. You don't need to be a slave to the lender,with that kind of income. Attack the school loan. As Dave puts it,live on...
by Toons
Sat Feb 24, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 32
Views: 1755

Re: What books changed your outlook on how you should invest?

The Only Investment Guide You'll Ever Need.
Andrew Tobias








:idea: :idea: :idea: :idea:
by Toons
Fri Feb 23, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why open a taxable account?
Replies: 27
Views: 2355

Re: Why open a taxable account?

Why Open A Taxable Account.
3reasons.
To have more purchasing power for goods and services that I need and want.
To delay having to withdraw form Tax Sheltered Accounts.
To share with family while I am still here,and to pass on to them when i am not :mrgreen: :mrgreen:
by Toons
Fri Feb 23, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 27
Views: 1391

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

Save Your Money,
Read This
It Is Free.
Apply the principles to investing in Equity Index Funds.
"Why Should I Invest" :happy
https://www.fool.com/how-to-invest/why- ... nvest.aspx

From Vanguard. :D
https://www.vanguard.com/pdf/s700.pdf
by Toons
Fri Feb 23, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 13
Views: 871

Re: New Dryer with Issues... Should I return it?

9 days left.
Yes I would return it.
:happy
by Toons
Fri Feb 23, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Help! Buying my first sofa/couch
Replies: 26
Views: 1051

Re: Help! Buying my first sofa/couch

I would shop Amazon,
Have it delivered,
Set Up.
:happy
by Toons
Fri Feb 23, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: When Stocks and Bonds Fall
Replies: 24
Views: 1305

Re: When Stocks and Bonds Fall

I would consider the Vanguard Balanced Index Fund or,
Lifestrategy Funds.

:happy
by Toons
Fri Feb 23, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 125
Views: 5613

Re: Defining "House Poor"

I have considered No more than 30% of take home pay applied towards monthly mortgage to not become house poor,,coupled with other living expenses.
Preferably 25% or less.

:idea:










:idea:
by Toons
Fri Feb 23, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Financial proposal from Adviser
Replies: 31
Views: 2380

Re: Financial proposal from Adviser

Do what is right for you.
I am not going to knock American Funds.
I own a couple myself.
Capital Income Builder
Investment Company Of America.






:D
by Toons
Fri Feb 23, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 45
Views: 4057

Re: How am I really doing for retirement savings?

Current retirement savings: $650,000

I scanned the thread real fast .
your age and the above digits caught my eye.
No need to read the whold thread,,,
Excellent ,Good To Go,Enjoy :mrgreen:
by Toons
Fri Feb 23, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Terminology question: what does "losing money" mean?
Replies: 71
Views: 2717

Re: Terminology question: what does "losing money" mean?

Losing money=Losing Purchasing Power.





8-)
by Toons
Fri Feb 23, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Wanna try a more risky fund in Roth IRA
Replies: 16
Views: 1184

Re: Wanna try a more risky fund in Roth IRA

Risk usually diminishes with Time.
Pick One that suits.
Hold for minimum 10 years.
Peek once a year .
Enjoy the ride.
:happy
by Toons
Fri Feb 23, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 165
Views: 7962

Re: What UN-frugal thing do you do?

Shackleton wrote:
Thu Feb 22, 2018 10:37 pm
Toons wrote:
Wed Feb 21, 2018 8:52 am
Traded In A 2017 Honda Civic (4600 miles)
For
Upgrade ,Civic Sport Touring 2018.
Wrote a Check for the difference.
It is fun.

:mrgreen: :happy :mrgreen: :happy
Toons -- you're a wild man! I love it!

:sharebeer
You Only Live Once,
This Ain't No Dress Rehearsal
by Toons
Thu Feb 22, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 58
Views: 3711

Re: Boglehead Flashlight?

Picked these up from Amazon a few weeks ago. Superb so far,,one is going traveling with us :mrgreen: https://images-na.ssl-images-amazon.com/images/I/61My5Fc%2BjiL._SY180_.jpg https://www.amazon.com/gp/product/B0744C3J5W/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 We’ve got these. Super bright, smal...
by Toons
Thu Feb 22, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 58
Views: 3711

Re: Boglehead Flashlight?

Picked these up from Amazon a few weeks ago. Superb so far,,one is going traveling with us :mrgreen: https://images-na.ssl-images-amazon.com/images/I/61My5Fc%2BjiL._SY180_.jpg https://www.amazon.com/gp/product/B0744C3J5W/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 We’ve got these. Super bright, smal...
by Toons
Thu Feb 22, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off this debt?
Replies: 60
Views: 2124

Re: Would you pay off this debt?

" I'd really like to eliminate the debt I have. It would allow me to sleep easier at night " Sounds like a no brainer to me :mrgreen: Once done, You won't believe the "options" that open up in your life. Believe Me. :happy Thanks Toons, thinking the same, but do appreciate all angles of thinking be...
by Toons
Thu Feb 22, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off this debt?
Replies: 60
Views: 2124

Re: Would you pay off this debt?

" I'd really like to eliminate the debt I have. It would allow me to sleep easier at night " Sounds like a no brainer to me :mrgreen: Once done, You won't believe the "options" that open up in your life. Believe Me. :happy Thanks Toons, thinking the same, but do appreciate all angles of thinking be...
by Toons
Thu Feb 22, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 29
Views: 2271

Re: Young Investor: Investing In A Bear Market

David Jay wrote:
Thu Feb 22, 2018 12:24 pm
Toons wrote:
Thu Feb 22, 2018 6:41 am
Should look forward to an extended bear market.
Your dollars will purchase more shares at depressed prices.
+1

As the old saying goes: "The stock market is the only place where, when the products go on sale, customers head for the exits".

+1
I like that ,one to remember. :happy
by Toons
Thu Feb 22, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market now at 1.5%
Replies: 15
Views: 2121

Re: Capital One 360 Money Market now at 1.5%

Having been a Cap360 useer for a number of years now,,,ING direct before now,
It appears they are becoming more competitive with their rates.. :happy
by Toons
Thu Feb 22, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 58
Views: 3711

Re: Boglehead Flashlight?

Picked these up from Amazon a few weeks ago.
Superb so far,,one is going traveling with us :mrgreen:


Image


https://www.amazon.com/gp/product/B0744 ... UTF8&psc=1
by Toons
Thu Feb 22, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off this debt?
Replies: 60
Views: 2124

Re: Would you pay off this debt?

"I'd really like to eliminate the debt I have. It would allow me to sleep easier at night"

Sounds like a no brainer to me :mrgreen:
Once done,
You won't believe the "options" that open up in your life.
Believe Me.
:happy
by Toons
Thu Feb 22, 2018 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 29
Views: 2271

Re: Young Investor: Investing In A Bear Market

30?
25 years or more of investing ahead of you.
Should shold look forward to an extended bear market.
Your dollars will purchase more shares at depressed prices.
Once the market heads North again,your portfolio will "Propel" Higher.
Stay Invested,Keep Investing.



:mrgreen:
by Toons
Thu Feb 22, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Help invest an extra $5,000 per month
Replies: 19
Views: 2131

Re: Help invest an extra $5,000 per month

Pay Off The Mortgage.
Gets My Vote.
Windows Of Opportunity
Will Open Up After That Is Completed.






:wink:
by Toons
Wed Feb 21, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 36
Views: 6309

Re: Why investors shouldn’t panic over falling bond prices

Panic Over Money? Take Charge Of The Mind. It is "Money". Not life. :idea: :idea: Again I agree with Toons. So much angst over market fluctuations. Another post mentioned that equity fluctuations were the market breathing. Same with interest rate fluctuations and changes in yield. Suggest picking a...
by Toons
Wed Feb 21, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 36
Views: 6309

Re: Why investors shouldn’t panic over falling bond prices

Panic Over Money? Take Charge Of The Mind. It is "Money". Not life. :idea: :idea: Again I agree with Toons. So much angst over market fluctuations. Another post mentioned that equity fluctuations were the market breathing. Same with interest rate fluctuations and changes in yield. Suggest picking a...
by Toons
Wed Feb 21, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9131

Re: Do you wear a wedding band? [at a job interview]

Always wore(wear it).
2nd marriage ,anyway.


:mrgreen:
by Toons
Wed Feb 21, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car debt or invest??
Replies: 24
Views: 1022

Re: Pay off car debt or invest??

1.Pay off the car today or tomorrow,if you are going to keep it. 2.Keep the car and pay off the loan as is ,,,paying more for your depreciating asset. 3.Sell the car and buy less. Personally ,I would choose 1 and be done with it. Been there done that. :mrgreen: Crunch Your numbers with the amortizat...
by Toons
Wed Feb 21, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Took early Roth Redistribution after 5 years, opinions?
Replies: 6
Views: 459

Re: Took early Roth Redistribution after 5 years, opinions?

Exactly as spoken in the previous thread. Tax Free compounding is "precious". I believe tax free compounding is an essential tenet of wealth creation. We treated our Roths as untouchable unless a health emergency arose. Fortunately ,never did. Iras were designed to be Retirement Accounts, That is ho...
by Toons
Wed Feb 21, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 165
Views: 7962

Re: What UN-frugal thing do you do?

Traded In A 2017 Honda Civic (4600 miles) For Upgrade ,Civic Sport Touring 2018. Wrote a Check for the difference. It is fun. :mrgreen: :happy :mrgreen: :happy I love this one! I have a 4 year old Accord that only has 16,000 miles on it and I often think about trading it in for a new car, but I kee...
by Toons
Wed Feb 21, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 173
Views: 12859

Re: What if you only live off dividends?

Walmart,Mcdonalds,Praxair ,Dominion Resources pay me dividends. I reinvested in additional shares for 22 years. Started taking dividends in cash the last 3 years. The dividends keep rising. No sales. No trading costs. My total shares remain the same. The share price continues to rise "over time" 25 ...
by Toons
Wed Feb 21, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 36
Views: 6309

Re: Why investors shouldn’t panic over falling bond prices

Panic Over Money?
Take Charge Of The Mind.
It is "Money".
Not life.






:idea: :idea:
by Toons
Wed Feb 21, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 6724

Re: Staying Motivated: How do you ward off hopelessness?

Wake Up . Take Charge. Manage Or Be Managed. Live Beneath Your Means Budget. Save . Invest. Discipline day in day out. Focus on your financial goals and let nothing derail your. There will be bumps in the road, Get Exercise and keep the Body and MIND Sharp Life is supposed to be Tough. Embrace it ....
by Toons
Wed Feb 21, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 165
Views: 7962

Re: What UN-frugal thing do you do?

This is a timely post for me and have enjoyed reading the comments so far. I am 38 and save between 40%-50% of my salary each month in my 401K and taxable 3 vanguard funds. I have around $630K invested and on an expat contract abroad which helps w my savings rate. In the past few months I have spen...
by Toons
Wed Feb 21, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 165
Views: 7962

Re: What UN-frugal thing do you do?

Traded In A 2017 Honda Civic (4600 miles) For Upgrade ,Civic Sport Touring 2018. Wrote a Check for the difference. It is fun. :mrgreen: :happy :mrgreen: :happy I have the Sport myself ... although I guess mine was a “frugal” decision? Great car Yes it was. Feels and drives like more expensive "spor...
by Toons
Wed Feb 21, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 165
Views: 7962

Re: What UN-frugal thing do you do?

Traded In A 2017 Honda Civic (4600 miles) For Upgrade ,Civic Sport Touring 2018. Wrote a Check for the difference. It is fun. :mrgreen: :happy :mrgreen: :happy Yeah; I had a VW Jetta that was affected by the emissions scandal. Basically, VW gave me $18k for a 6 year old car that I bought for $23k a...
by Toons
Wed Feb 21, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Sams' Mastercard Cashback Check Arrive
Replies: 4
Views: 343

Re: Sams' Mastercard Cashback Check Arrive

Got Mine Last Week.
Gave the check to the wife.
Decided not to use it anymore.
Don't want to wait 12 months.
Now use Amazon Prime Chase Card.
:mrgreen:
by Toons
Wed Feb 21, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 165
Views: 7962

Re: What UN-frugal thing do you do?

Traded In A 2017 Honda Civic (4600 miles)
For
Upgrade ,Civic Sport Touring 2018.
Wrote a Check for the difference.
It is fun.

:mrgreen: :happy :mrgreen: :happy
by Toons
Wed Feb 21, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 6724

Re: Staying Motivated: How do you ward off hopelessness?

Wake Up . Take Charge. Manage Or Be Managed. Live Beneath Your Means Budget. Save . Invest. Discipline day in day out. Focus on your financial goals and let nothing derail your. There will be bumps in the road, Get Exercise and keep the Body and MIND Sharp Life is supposed to be Tough. Embrace it . ...
by Toons
Wed Feb 21, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 12
Views: 818

Re: Asset Allocation

Given your young age If you are able to see your investment drop by 50% in value (index funds) During a prolonged bear market,,,, a few years And have the discipline to keep contributing monies throughout your career. 100% Total Market Index Fund. If not then balance the asset allocation out with Bo...
by Toons
Tue Feb 20, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance question
Replies: 7
Views: 374

Re: Life insurance question

Term insurance Over the years.
Save and invest enough along the way so that you might have the option to ,
"Self Insure" in your later years,
If you so choose.








:idea: :idea:
by Toons
Tue Feb 20, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: How big is the 'Madoff risk' -- All of your money at one advisor?
Replies: 21
Views: 2441

Re: How big is the 'Madoff risk' -- All of your money at one advisor?

I guess it depends on the Advisor as was well learned with those invested with Madoff.
No concern whatsoever with Vanguard
:happy
by Toons
Tue Feb 20, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 23
Views: 1362

Re: Furnace Setting for Vacation

When we head South During the Winter.
I like 60 at our home in Tn.
Having a Wi fi thermostat though is immense.
Change it accordingly If I so choose.




:idea: :idea:
by Toons
Tue Feb 20, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8243

Re: How many of you use the "4% rule" during retirement?

6 years in ,when haven't needed to.
Pensions
SS
Divs are sufficient. :happy
by Toons
Mon Feb 19, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 24
Views: 2129

Re: Seeing Yellowstone National Park

Yellowstone was just too crowded for my style in June.
Spent a day driving thru in the Rv pullling off looking at various sites.
If I was to do it over ,would probably go 1st part of May. :happy
by Toons
Mon Feb 19, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: short-term car fund in tax-exempt munis or high interest savings account
Replies: 7
Views: 247

Re: short-term car fund in tax-exempt munis or high interest savings account

Like you said ,talking about a couple hundred dollars here,maybe ,
I wouldn't waste time chasing yield.
Personally I would go with savings account and be done with it.

:happy
by Toons
Mon Feb 19, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Sister is a good saver...she wants to buy a house now
Replies: 9
Views: 928

Re: Sister is a good saver...she wants to buy a house now

1.I would buy a condo
2.Spend less than 300k
3.Pay cash.




:wink: