Search found 14390 matches

by Toons
Fri Mar 15, 2024 8:05 pm
Forum: Investing - Theory, News & General
Topic: Should I Keep Sacrificing or Start Enjoying Myself
Replies: 32
Views: 3556

Re: Should I Keep Sacrificing or Start Enjoying Myself

Money Is Good for
Goods and Services, Or give it away.
Don't necessarily equate spending
with happiness,
but remember
life is short.
If you find yourself want to spend some money
on something that you or your family would enjoy
Do not deny yourself :happy
by Toons
Fri Mar 15, 2024 7:59 pm
Forum: Personal Investments
Topic: Where to keep emergency funds?
Replies: 23
Views: 2288

Re: Where to keep emergency funds?

I keep monies in
Vanguard Federal Money Market Fund :happy
by Toons
Sun Mar 10, 2024 1:34 pm
Forum: Investing - Theory, News & General
Topic: Any investors from the 1981 - 1984 time period here???
Replies: 36
Views: 4315

Re: Any investors from the 1981 - 1984 time period here???

Yes
Dow was 880 in 1981
SP was 138.
when I started
American Funds
by Toons
Wed Mar 06, 2024 11:29 am
Forum: Personal Finance (Not Investing)
Topic: How much car can I afford?
Replies: 114
Views: 9007

Re: How much car can I afford?

nextmilenium wrote: Wed Mar 06, 2024 10:46 am
Toons wrote: Tue Mar 05, 2024 6:27 pm Go ahead and Get a Honda Accord Hybrid Touring,
Open up the wallet,blow the dust off those :dollar :dollar bills :mrgreen:
I'd rather keep my 16 yr old Accord V6 coupe than buy another Accord.
Perfect :happy
by Toons
Wed Mar 06, 2024 10:22 am
Forum: Personal Finance (Not Investing)
Topic: When have you stopped saving for retirement?
Replies: 40
Views: 3886

Re: When have you stopped saving for retirement?

I haven't
and we are retired.
It is part of my
DNA :mrgreen:
by Toons
Wed Mar 06, 2024 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Pay cash or take out a mortgage?
Replies: 12
Views: 1334

Re: Pay cash or take out a mortgage?

Cash
Be Done With It.
You Will Be Glad You Did.
In No Time At All
Keep It Simple
:happy
by Toons
Wed Mar 06, 2024 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Asset allocation while having a 6%+ mortgage
Replies: 16
Views: 1136

Re: Asset allocation while having a 6%+ mortgage

Pay Down
Pay Off
The House
Should Be A Priority
:mrgreen:
by Toons
Wed Mar 06, 2024 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Financial coach as a side hustle?
Replies: 22
Views: 2214

Re: Financial coach as a side hustle?

TravelforFun wrote: Tue Mar 05, 2024 7:06 pm
Toons wrote: Tue Mar 05, 2024 6:56 pm Million Dollar Advice,
I couldn't sleep at night if I charged for it
Free- :mrgreen: :mrgreen:
Use Common Semse
Spend less than you make
Stay Away from debt.
Pay cash
Vanguard Balanced Index Fund(Reinvest)
Wear a Seat Belt
Don't Smoke
Have a great partner
Have great friends
Have enough insurance
Stay healthy
Avoid addiction of any kind

TravelforFun
Excellent! :mrgreen:
by Toons
Wed Mar 06, 2024 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Financial coach as a side hustle?
Replies: 22
Views: 2214

Re: Financial coach as a side hustle?

unclescrooge wrote: Tue Mar 05, 2024 11:32 pm
Toons wrote: Tue Mar 05, 2024 6:56 pm Million Dollar Advice,
I couldn't sleep at night if I charged for it
Free- :mrgreen: :mrgreen:
Use Common Semse
Spend less than you make
Stay Away from debt.
Pay cash
Vanguard Balanced Index Fund(Reinvest)
Wear a Seat Belt
Don't Smoke
s
You forgot one:
Always wear sunscreen.

A Perfect Addition :mrgreen:
by Toons
Tue Mar 05, 2024 7:01 pm
Forum: Investing - Theory, News & General
Topic: What good is tax deferred?
Replies: 122
Views: 15317

Re: What good is tax deferred?

RMD stage now
12% :mrgreen:
by Toons
Tue Mar 05, 2024 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Financial coach as a side hustle?
Replies: 22
Views: 2214

Re: Financial coach as a side hustle?

Million Dollar Advice,
I couldn't sleep at night if I charged for it
Free- :mrgreen: :mrgreen:
Use Common Semse
Spend less than you make
Stay Away from debt.
Pay cash
Vanguard Balanced Index Fund(Reinvest)
Wear a Seat Belt
Don't Smoke












s
by Toons
Tue Mar 05, 2024 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 41
Views: 4741

Re: Can I retire?

Yes
:happy
by Toons
Tue Mar 05, 2024 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much car can I afford?
Replies: 114
Views: 9007

Re: How much car can I afford?

Go ahead and Get a Honda Accord Hybrid Touring,
Open up the wallet,blow the dust off those :dollar :dollar bills :mrgreen:
by Toons
Tue Mar 05, 2024 6:21 pm
Forum: Investing - Theory, News & General
Topic: RMD withdrawal
Replies: 5
Views: 881

Re: RMD withdrawal

Take the dividends from all funds during the year as a portion of your RMD
Take the remaining balance if necessary from VSGDX by year end
:happy
by Toons
Fri Mar 01, 2024 5:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 370
Views: 34551

Re: Vanguard Announces CEO Retirement and Appointment of President

White Coat Investor wrote: Fri Mar 01, 2024 9:11 am
ClevrChico wrote: Thu Feb 29, 2024 3:50 pm I'm crossing my fingers that his replacement makes the website, app, and customer service world class.
I'm crossing my fingers that the replacement will continue to keep Vanguard the low cost leader by realizing it's okay to skimp on the website, app, and customer service and pass the savings on to the owners, just like Bogle did.

You can already get a great website, app, and customer service at Fidelity. Why are you at Vanguard if that's what you value most?

Or did you want to have your cake and eat it too?
:thumbsup :thumbsup
by Toons
Sat Feb 03, 2024 9:06 pm
Forum: Personal Investments
Topic: Where to park 200K for 4 years
Replies: 5
Views: 1264

Re: Where to park 200K for 4 years

Park It In
Vanguard Federal Money Market Fund
While you are exploring your options
😃
by Toons
Wed Jan 31, 2024 9:23 pm
Forum: Personal Consumer Issues
Topic: Planes, trains, automobiles, boats- $$$ for hobbies
Replies: 51
Views: 5468

Re: Planes, trains, automobiles, boats- $$$ for hobbies

We enjoy traveling
We travel in A Roadtrek Class B
I have owned 3 in 12 years
Upgraded every 4 years
We enjoy Honda Automobiles
We have traded in every 2-3years
How do we justify?

I have never seen a U-Haul
Behind a Hearse :wink: :wink:
by Toons
Wed Jan 31, 2024 9:17 pm
Forum: Investing - Theory, News & General
Topic: Echoes of Dot Com Bubble?
Replies: 230
Views: 23994

Re: Echoes of Dot Com Bubble?

Started Investing
1981-consistenty
All the" end of the world "bear markets that I have experienced
We're nothing but wealth creating buying opportunities .
Forgotten memories now.
Thankful I was able to experience them😃
by Toons
Thu Jan 18, 2024 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Which loan to pay off?
Replies: 22
Views: 1333

Re: Which loan to pay off?

Student Loan
:happy
by Toons
Tue Jan 09, 2024 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: New Quicken User
Replies: 9
Views: 1469

Re: New Quicken User

tracking investments
ie,cost basis
Capital gain/loss estimator
:mrgreen:
by Toons
Tue Jan 09, 2024 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: preferred tax preparation software? [for tax year 2023]
Replies: 56
Views: 7784

Re: preferred tax preparation software?

Switched To Tax Act 10 years ago from Turbo Tax
Live in Tennessee,No state income tax
Federal Return
34.95
I don't look for tax preparation software anymore
:mrgreen:
by Toons
Sun Jan 07, 2024 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Mailing Q4 Estimated Payment Date
Replies: 15
Views: 1389

Re: Mailing Q4 Estimated Payment Date

Eft is the way to go.
My bank account is linked to vanguard brokerage,
Transfer money from Vanguard to bank account
Quarterly payment is deducted from bank account when I choose,
via EFTPS
https://www.eftps.gov/eftps/login/loginInitial

:happy
by Toons
Sat Jan 06, 2024 10:28 am
Forum: Personal Investments
Topic: Taxable account: dividends to sweep or checking?
Replies: 15
Views: 1413

Re: Taxable account: dividends to sweep or checking?

"We don't need the dividends to live on"
If that is the case then reinvest the dividends
Let compounding do its magic and do the heavy lifting
Vanguard handles the cost basis accounting for reinvested shares . :mrgreen:
by Toons
Thu Jan 04, 2024 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you bank and why? 2024 Edition
Replies: 113
Views: 14693

Re: Where do you bank and why? 2024 Edition

Capital One
Convenience
Online :mrgreen:
by Toons
Thu Jan 04, 2024 3:50 pm
Forum: Investing - Theory, News & General
Topic: How did you make your first $1M?
Replies: 148
Views: 33578

Re: How did you make your first $1M?

Saving,Investing,Reinvesting ,As much as possible as often as possible,
Compounding did the heavy lifting :mrgreen:
by Toons
Tue Jan 02, 2024 12:47 pm
Forum: Personal Investments
Topic: Muni funds instead of "cash?"
Replies: 7
Views: 1354

Re: Muni funds instead of "cash?"

QBoy wrote: Tue Jan 02, 2024 1:49 am In your tax bracket, I think it is better to avoid munis and pay the tax on the interest you are earning.

Exactly :happy
by Toons
Tue Jan 02, 2024 12:46 pm
Forum: Personal Consumer Issues
Topic: What is you top priority for 2024?
Replies: 31
Views: 3935

Re: What is you top priority for 2024?

TheTimeLord wrote: Mon Jan 01, 2024 11:01 pm To strive to be Grateful, Thankful and Respectful in my life.

:thumbsup :thumbsup :thumbsup :happy
by Toons
Tue Jan 02, 2024 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: At what net worth did you start not sweating the "small stuff"
Replies: 137
Views: 27094

Re: At what net worth did you start not sweating the "small stuff"

TomatoTomahto wrote: Sun Dec 31, 2023 11:14 am It wasn’t NW based, but time based. I used to play with which streaming services I’d pay for this month and which not. I just use the annual signup now, rather than worry about it, and it’s based on the time I used to take to add and subtract a service. Life is really too short.

We also always pay extra for ad free if available.
" I just use the annual signup now, Life is really too short."

So So True :happy
by Toons
Sun Dec 31, 2023 8:35 pm
Forum: Personal Investments
Topic: Day/Swing Trading
Replies: 45
Views: 4228

Re: Day/Swing Trading

It becomes tiresome and boring and
Is not the way to wealth creation :happy
by Toons
Sat Dec 30, 2023 10:00 am
Forum: Investing - Theory, News & General
Topic: What was the investment climate like in the bull market 10 years ago?
Replies: 55
Views: 7256

Re: What was the investment climate like in the bull market 10 years ago?

backofbeyond wrote: Thu Dec 28, 2023 7:43 pm I've been investing over 40 years...and every year the "pros" have anticipated that the next 10 years returns will be lower..usually single digits.

Sometimes they are right for a year or two but most of the time they have been wrong.

I also remember my Grandfather, then my Father and now my Brother having investor anxiety due to the National Debt. Absolutely certain that America was "done" and the End is near.

And yet...we seem to keep on rocking and are the envy of the world. Maybe it will come in my lifetime but so far, so good.

Perfectly said :happy
by Toons
Thu Dec 28, 2023 11:13 am
Forum: Personal Consumer Issues
Topic: Amazon Rate increases - alternatives [Amazon Prime Video]
Replies: 151
Views: 22877

Re: Amazon Rate increases - alternatives [Amazon Prime Video]

As cord cutting continues
Streaming services will scoop up those fees
Gradually :happy
by Toons
Sun Dec 17, 2023 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Bored in Retirement ??
Replies: 131
Views: 30089

Re: Anyone Bored in Retirement ??

Learn a new language :happy
by Toons
Tue Oct 10, 2023 9:21 am
Forum: Personal Investments
Topic: Where to invest $60K in cash now?
Replies: 19
Views: 3610

Re: Where to invest $60K in cash now?

VMFXX.
Great choice :happy
by Toons
Wed Oct 04, 2023 9:08 am
Forum: Personal Investments
Topic: When to get into the market
Replies: 14
Views: 2202

Re: When to get into the market

When?
This morning
Time (which is on your side)not
Timing
How much?
All in :mrgreen:
by Toons
Wed Oct 04, 2023 9:07 am
Forum: Personal Investments
Topic: HELP! I am losing money on VTI and VXUS
Replies: 30
Views: 3742

Re: HELP! I am losing money on VTI and VXUS

An inherent tenet of Investing
Volatility
Rollercoaster ride
Relax.
Patience
Invest More
:wink:
by Toons
Sat Sep 30, 2023 12:35 pm
Forum: Investing - Theory, News & General
Topic: In appreciation of dividends
Replies: 119
Views: 13266

Re: In appreciation of dividends

This is interesting :happy
Why does Mr Buffet want a billion dollars in dividends? :happy

Coca-Cola
400,000,000 shares
$1.84- annual dividend payment
$3.25 -cost basis
56%- Dividend yield on the cost basis
$736,000,000.00-annual dividend income

American Express
151,610,700 shares
$2.40 annual dividend payment
$363,865,680.00- annual dividend income
$8.49-cost basis
28.3%-Dividend yield on the cost basis
by Toons
Sat Sep 30, 2023 12:19 pm
Forum: Personal Consumer Issues
Topic: Getting the family organized family calendar?
Replies: 25
Views: 2287

Re: Getting the family organized family calendar?

As others
Google Calendar :happy
by Toons
Sat Sep 30, 2023 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Capital One 360? Looking to move from Alliant
Replies: 41
Views: 5440

Re: Anyone use Capital One 360? Looking to move from Alliant

I have been using Capital One before they were Capital One,
Ing Direct to be specific
Checking account
Savings account for immediate need if necessary(small amt of cash)
4.25 yield sufficient for me ,Most cash is in Vanguard Federal Money Market
also use the Capital One Walmart credit card ,Money back on Walmart purchases.
Working in website is easy and seamless with all accounts.
I am very please with Capital One ,overall
Checking account is linked to All our Vanguard accounts
Taxable,,Iras
:happy
by Toons
Sat Sep 30, 2023 12:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Select Services - Why Use Them?
Replies: 31
Views: 5109

Re: Vanguard Personal Advisor Select Services - Why Use Them?

You don't need too
Don't let emotion derail you
stick with index funds
30 basis points is 30 basis points
I will keep the 3,000 for myself on the million

https://www.moneyhub.co.nz/basis-points-calculator.html

:mrgreen:
by Toons
Sat Sep 30, 2023 12:00 pm
Forum: Personal Investments
Topic: Personal Investment Advice
Replies: 35
Views: 6010

Re: Personal Investment Advice

Work on simplifying
A few funds is all that is necessary
Less is more in many ways
As you age
:happy
by Toons
Sat Sep 30, 2023 11:58 am
Forum: Personal Investments
Topic: How do you determine when to automatically reinvest dividends or not?
Replies: 18
Views: 1448

Re: How do you determine when to automatically reinvest dividends or not?

Easy decision for me
I reinvested all capital gains and
dividends in all accounts for
35 years or so as to let compounding do the
heavy lifting of the portfolio
No need to reinvest any more
Goals acheived.
All gains, go to Federal Money Markets
All accounts,taxable ,roth,etc
:happy
by Toons
Sat Sep 30, 2023 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Supplement Plan and Part D Coverage
Replies: 8
Views: 1856

Re: Medicare Questions - Supplement Plan and Part D Coverage

I searched the web ,watched some youtube videos
regarding supplemental and advantage plans pros and cons,
wound up going with Mutual Of Omaha G supplemental plan a few years back ,
and Humana Walmart for D coverage,
Personally no need for an advisor to do this for me
fairly straight forward
Have been pleased with both :happy