Search found 12950 matches

by Toons
Wed Nov 14, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 77
Views: 9145

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Sounds like you did the right thing
For You.
Congratulations.
:mrgreen:
by Toons
Wed Nov 14, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 92
Views: 5016

Re: Are you all staying the course?

Traveling
Haven't paid much attention to the news
Volatility?Wouldn't make any difference anyway.
Staying the course??
For "Life"
:mrgreen:
by Toons
Mon Nov 12, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 131
Views: 15635

Re: [Financial] Habits of the Rich

Sandtrap wrote:
Sun Nov 11, 2018 6:23 pm
Remember what it was like to be "dead broke". :shock:
Resolve to move in the opposite financial direction no matter what.
:happy

:thumbsup
by Toons
Mon Nov 12, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1170

Re: Fuel system cleaning for old SUV $269!!

Pass
Next Question
:mrgreen: :mrgreen: :mrgreen:
by Toons
Mon Nov 12, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 74
Views: 5405

Re: Granddaughter needs $ help for university

:happy

"The person asked to cosign a loan usually has a good credit score and a lengthy credit history, which greatly improves the primary borrower’s odds of approval."

https://www.moneycrashers.com/cosigning ... ons-risks/
by Toons
Mon Nov 12, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9158

Re: retirement travel: RVs vs fly/drive/hotel

Started Out at Emerald Isle Nc 2 weeks ago Slowly working our way along down the coast Vilano Beach Florida now. Have not spent one night in a campground. Parking lots,Boat Ramps by the Ocean. Publix Lots,Lowes,National Forests.etc Preferred way of travel for us,, Roll On :mrgreen: :mrgreen: http://...
by Toons
Mon Nov 12, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 44
Views: 3703

Re: Should we drop our manager, for 4-fund portfolio?

5k?
That covers my travel expenses in the Rv for
6 months.
If you feel comfortable handling financial matters yourself.
Give it a go and let him go.
:mrgreen:
by Toons
Mon Nov 12, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4307

Re: Planet Fitness etc.,

Treadmill and
Exercise bike at home
Both from Amazon.
Walk a lot.
:mrgreen:
by Toons
Sun Nov 11, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4784

Re: Doing taxes by hand

You can't take it with you
Use software
Shop around
:happy
by Toons
Sun Nov 04, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 10905

Re: Panic set in... now what?

Vanguard Balance Index Fund
:happy
by Toons
Fri Nov 02, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9262

Re: no dividends in index funds!

barnaclebob wrote:
Fri Nov 02, 2018 9:04 am
Dividends are just something that makes you feel good, its not free money. Total return is all that matters. You can get the same result from selling shares if you need the cash.

Is there a transaction cost to take a dividend?
by Toons
Tue Oct 30, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Invest or Pay off Car Loan?
Replies: 19
Views: 1435

Re: Invest or Pay off Car Loan?

Monthly pmt 1261
Remaining tenor 2yrs
Rate 1.99


Ouch
Be Done With It
One Way Or the Other
:happy
by Toons
Mon Oct 29, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6816

Re: 401k down 8% since 9/30

1 month??? Try to keep longer view,,, 30 years. You will sleep a whole lot better :happy Yes, yes...I know....that's why I come here, perspective :) Thanks Toons Been through Bulls and Bears since 1981(Dow 887) Never been out of the market Never stopped investing.... Live like no one else ,,,, So y...
by Toons
Mon Oct 29, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2852

Re: Washing machine/dryer shopping

New
Check Lowes.
:happy
by Toons
Mon Oct 29, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6816

Re: 401k down 8% since 9/30

30 Days ???
Try to keep longer view,,,
30 years.
You will sleep a whole lot better

:happy
by Toons
Mon Oct 29, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 1915

Re: Tire rotation - low mileage car

Personally
Every 5-6k for me.
Don't know if it is necessary ,
But it gives me peace of mind.
:happy
by Toons
Mon Oct 29, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX - What to do? [VG LifeStrategy Growth]
Replies: 15
Views: 1100

Re: VASGX - What to do? [VG LifeStrategy Growth]

In Black and White
From the Vanguard Website

"Investors with a long-term time horizon who are looking for growth of principal over time and Who CAN ACCEPT stock market volatility may wish to consider this fund."





:happy
by Toons
Mon Oct 29, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: VASGX - What to do? [VG LifeStrategy Growth]
Replies: 15
Views: 1100

Re: VASGX - What to do? [VG LifeStrategy Growth]

Hi guys, Hoping you all can help me as this is my first post here. Last year, I invested $5500 into a Roth IRA - VASGX. This year I contributed $2000.00. Since this time, VASGX has continuously declined. My 7500 dollars has lost a little over $400.00 and it has not even been one year. As this is my...
by Toons
Sun Oct 28, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3866

Re: When to get a new toilet?

Lowes installed our new Kohlers recently
couldn't be more please
Efficient.
Pleasant to look at.
:happy
by Toons
Sun Oct 28, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7154

Re: How many miles (total) on car before buying another car ?

Hmmmm
2019 Honda Civic ,,,Touring
Thinking :mrgreen: :mrgreen: :mrgreen: :mrgreen:
by Toons
Sun Oct 28, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7154

Re: How many miles (total) on car before buying another car ?

At this stage of life Every couple years Regardless of mileage :happy Could you please elaborate ? Did you mean to say that you are well off and can afford new wheels every few years ? The clock is ticking 68 years of age. If my wife and I see a vehicle we would like to enjoy , we purchase it. Cash...
by Toons
Sat Oct 27, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7154

Re: How many miles (total) on car before buying another car ?

dm200 wrote:
Sat Oct 27, 2018 3:52 pm
Toons wrote:
Sat Oct 27, 2018 3:48 pm
At this stage of life
Every couple years
Regardless of mileage
:happy
In our case, as we have aged, we drive older cars longer.
Sounds like a great plan :mrgreen:
by Toons
Sat Oct 27, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help! For a larger size taxable account do I pay an advisor?
Replies: 51
Views: 4046

Re: Help! For a larger size taxable account do I pay an advisor?

Buy Vanguard Balanced Index Fund(Admiral)
Pay .07 in expense ratio
Reinvest
Tweak Nothing.
Hold for decades
Ignore The Noise
:sharebeer
by Toons
Sat Oct 27, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7154

Re: How many miles (total) on car before buying another car ?

At this stage of life
Every couple years
Regardless of mileage
:happy
by Toons
Fri Oct 26, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about staying the course
Replies: 33
Views: 4109

Re: Nervous about staying the course

I'm starting to get nervous about staying the course. I paid almost no attention to my 403(b) accounts through the Great Recession -- just kept buying on automatic. I now also have a taxable account at Vanguard and I for some reason pay a lot more attention to it. Even with a relatively conservativ...
by Toons
Fri Oct 26, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5309

Re: Compounding interest?

Compounding really shows its colors when you are steadily buying and or(both) reinvesting dividends and capital gains in additional shares during a declining market. You are picking up shares at depressed prices in your mutual fund account. When the market starts to head North again it is these shar...
by Toons
Fri Oct 26, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9364

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

I continued taking dividends,cap gains but do not sell shares. :happy Thanks, Toons! Curious: Do you consider Q distributions a sort-of reverse DCA, where sometimes you're up, sometimes down, and it all evens out? But you wouldn't sell shares unless stocks were up? I ask because taking distribution...
by Toons
Fri Oct 26, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9258

Re: Girlfriend's Student Loans

"but would it be unreasonable for me to focus on increasing my income and stacking cash in preparation for tackling this loan one day " Yes it would be unreasonable. Please Allow Her to "Tackle" It. It will be an education for her. Discipline,Money Management,Emotional Strength and Growth. You will...
by Toons
Fri Oct 26, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7645

Re: Reaction to Market

This Too Shall Pass










:idea:
by Toons
Fri Oct 26, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4768

Re: What Memberships/Subscriptions Are Most Valuable To You?

Comcast High Speed Internet.
You tube Premium 9.99 per month.







:wink:
by Toons
Fri Oct 26, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9364

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

I continued taking dividends,cap gains but
do not sell shares.
:happy
by Toons
Thu Oct 25, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8040

Re: What's everyone currently in?

Index funds
Some managed funds
Some individual equities.
Bond Funds
Years and Years.
:happy
by Toons
Thu Oct 25, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Block fireplace draft
Replies: 19
Views: 1228

Re: Block fireplace draft

Foam Then cover it with Reflectix https://www.lowes.com/pd/Reflectix-33-3-sq-ft-Reflective-Roll-Insulation-16-in-W-x-25-ft-L/1014123?cm_mmc=SCE_PLA-_-LumberAndBuildingMaterials-_-Insulation-_-1014123:Reflectix&CAWELAID=&kpid=1014123&CAGPSPN=pla&store_code=2993&k_clickID=go_625667893_34613739430_1111...
by Toons
Thu Oct 25, 2018 2:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 1934

Re: Who/what made the helpful culture of Bogleheads?

Teague wrote:
Thu Oct 25, 2018 12:19 pm
Somewhere in here we need to acknowledge the unflagging and occasionally Solomon-like work of LadyGeek and the other moderators.

edit: I see RM beat me to it, so consider this a second vote for the mods.

Ditto :happy
by Toons
Thu Oct 25, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Invested Just Before This Downturn (New to Investing)
Replies: 24
Views: 2544

Re: Invested Just Before This Downturn (New to Investing)

"Investing"=10 Year Time Frame
Minimum,I repeat Minimum
Peat,Repeat
Until the the mantra is solidified in your brain.

:mrgreen:
by Toons
Thu Oct 25, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: How do you define how/when you make or lose money?
Replies: 17
Views: 1397

Re: How do you define how/when you make or lose money?

When I realize the gain or loss
Due to selling.
by Toons
Thu Oct 25, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 88
Views: 12335

Re: For those waiting for a 'correction' ...

Am I missing something?
I am traveling
:mrgreen:
by Toons
Wed Oct 24, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6096

Re: Retirees: What keeps you up at night?

99.9 of what people worry about
Never happens.
You have no control over it?
Let it go
Worry robs you of your precious time
I sleep like a baby :happy
by Toons
Wed Oct 24, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - any advice?
Replies: 51
Views: 5485

Re: Empty nester downsizing - any advice?

Before downsizing We gave a lot of stuff away.. By the time we were finished our possessions took up a quarter of a full size moving van. Downsized to 1400 sq ft. As the years have trickled by I could probably go 1000-800. It takes less and less. :happy It looks like we're currently gravitating tow...
by Toons
Wed Oct 24, 2018 6:26 am
Forum: Investing - Help with Personal Investments
Topic: 32M burned out from active investing
Replies: 28
Views: 3746

Re: 32M burned out from active investing

Consider Index Mutual Funds.
Reinvest The Dividends.
Look once a year.
Keep adding as much as you can as often as you can.
Compounding will work while you are sleeping :happy
by Toons
Tue Oct 23, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - any advice?
Replies: 51
Views: 5485

Re: Empty nester downsizing - any advice?

Before downsizing
We gave a lot of stuff away..
By the time we were finished our possessions took up a quarter of a full size moving van.
Downsized to 1400 sq ft.
As the years have trickled by I could probably go 1000-800.
It takes less and less.
:happy
by Toons
Tue Oct 23, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2345

Re: Do you use mobile apps to assist with your investments?

I use the Vanguard App to execute fund transactions.
Not for monitoring individual stocks that I own.
:mrgreen:
by Toons
Tue Oct 23, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market - Some say it’s possible?
Replies: 44
Views: 2782

Re: Timing the market - Some say it’s possible?

I got in the Market in 1981.
I don't plan on heading for the exit door.




:happy
by Toons
Mon Oct 22, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Too Much Apple [AAPL] Stock
Replies: 55
Views: 5873

Re: Too Much Apple [AAPL] Stock

I would probably keep it another 10 years...
Then re-evaluate.
:happy
by Toons
Mon Oct 22, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7690

Re: For those who paid off house - how did you do it?

No Magic Formula Discipline,Discipline,with more Discipline Strict Budget Using Quicken . Lived below means. For years and years. Keeping a strict check on "wants and needs" Extra monies were directed towards paying off mortgage and investing. Paid off one Retired Downsized. Paid cash for the next o...
by Toons
Mon Oct 22, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2679

Re: Do I need laptop software?

Chromebook A couple of fine choices. https://www.amazon.com/Samsung-Chromebook-11-6-16GB-XE500C13-K04US/dp/B01N5P6TJW/ref=sr_1_3?s=electronics&ie=UTF8&qid=1540164438&sr=1-3&keywords=samsung+chromebook https://www.amazon.com/Chromebook-C202SA-YS02-Ruggedized-Resistant-Celeron/dp/B01DBGVB7K/ref=sr_1_...
by Toons
Sun Oct 21, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2679

Re: Do I need laptop software?

Chromebook A couple of fine choices. https://www.amazon.com/Samsung-Chromebook-11-6-16GB-XE500C13-K04US/dp/B01N5P6TJW/ref=sr_1_3?s=electronics&ie=UTF8&qid=1540164438&sr=1-3&keywords=samsung+chromebook https://www.amazon.com/Chromebook-C202SA-YS02-Ruggedized-Resistant-Celeron/dp/B01DBGVB7K/ref=sr_1_3...
by Toons
Sat Oct 20, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 86
Views: 14229

Re: Don't pay full price for SiriusXM radio

I pay Pandora about 55.00 for a yearly plan. I stream music through the audio system in the car from the phone. I used up the free Sirius Trial when I first got the vehicle. Decided it wasn't for me. :happy How much is your data plan? 2 years since this post. No more Pandora,,Spotify instead Premiu...