Search found 12391 matches

by Toons
Wed Feb 21, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 95
Views: 7869

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: 24
Views: 4564

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: 43
Views: 4429

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 Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 58
Views: 1827

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 Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 58
Views: 1827

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 Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 58
Views: 1827

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: 312

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 Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 58
Views: 1827

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: 43
Views: 4429

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: 11
Views: 505

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: 364

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: 2364

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: 22
Views: 1135

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: 65
Views: 7629

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: 2032

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: 233

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: 909

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:
by Toons
Mon Feb 19, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2281

Re: Is window replacement this expensive?

Lowes recently installed 12 Vinyl Pella Series250 windows in our home.Standard Windows. 6200.00 We happened to catch a sale price. 5% off if you use the Advantage Card. Excellent installation. Installer noticed a little glue that was slightly noticeable in 3 of the windows,unacceptable he said :happ...
by Toons
Mon Feb 19, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Best place to buy contact lenses online
Replies: 7
Views: 603

Re: Best place to buy contact lenses online

Costco
WalMart.






:idea:
by Toons
Mon Feb 19, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I payoff my Mortgage?
Replies: 25
Views: 1462

Re: Should I payoff my Mortgage?

Yes
Debt Free.






:wink:
by Toons
Mon Feb 19, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 82
Views: 7409

Re: Bogleheads with $100K+ MSRP cars?

Mercedes 2500 Class B
We use it as a second vehicle.
Justification?
No need for that.
It is what we wanted.







8-)
by Toons
Mon Feb 19, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: I think we can swing this! ($1M retirement home)
Replies: 27
Views: 3259

Re: I think we can swing this! ($1M retirement home)

Go for it!
Personally at that age I would down size to something no more than 250k,
Pay Cash.
No more than 2000 sq ft.(no maid service here,no desire to clean more space )
:D
by Toons
Mon Feb 19, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: High ER funds with large cap gains - what to do ?
Replies: 10
Views: 790

Re: High ER funds with large cap gains - what to do ?

I have a fund that paid out five figures in cap gains this year. It varies from year to year. Some years negligible . Some years large. I take the divs and cap gains in cash and spend or invest elsewhere. Taxes? I pay what I owe. I don't of time fretting over the taxes, If my marginal rate changes,s...
by Toons
Mon Feb 19, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1437

Re: Is it "cute" to invest in sector funds?

Predicting sector fund performance is easy, Getting it right nearly impossible.If I was "forced" to make a choice in sector funds for now and the future, Technology and Healthcare would be my choice(s) They ALL fall in and out of favor over time . Reversion To The Mean. Stick with a total market ind...
by Toons
Mon Feb 19, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 35
Views: 5277

Re: Paying off $372000 mortgage in 12 months

Pay Off Aggressively.
Laser Like Focus....
Kudos To You :sharebeer
by Toons
Mon Feb 19, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question
Replies: 14
Views: 826

Re: Emergency fund question

WIRENUT wrote:
Sun Feb 18, 2018 1:17 pm
Toons wrote:
Sun Feb 18, 2018 9:08 am
From The Wiki :happy
https://www.bogleheads.org/wiki/Emergency_fund
This was a very helpful read!
Great :happy
by Toons
Mon Feb 19, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2148

Re: GEICO Auto Shady Practice?

Never have been pushy with me. I do subscribe to their roadside service 4.00 -2018 Honda Civic 16.00-Class B/RV :happy Same here and also take the Roadside. Actually, they have been the opposite of pushy and even volunteered I could take a vehicle safety course online for an extra discount. Took it...
by Toons
Sun Feb 18, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2148

Re: GEICO Auto Shady Practice?

Never have been pushy with me.
I do subscribe to their roadside service
4.00 -2018 Honda Civic
16.00-Class B/RV


:happy
by Toons
Sat Feb 17, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 13
Views: 540

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: 2492

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: 45
Views: 2764

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: 18
Views: 1579

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: 87
Views: 6204

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: 1845

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: 854

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: 1839

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: 1769

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: 95
Views: 7869

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: 1697

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: 647

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: 45
Views: 2163

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...