Search found 12407 matches

by Toons
Thu Feb 22, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 29
Views: 1228

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: 29
Views: 1228

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: 57
Views: 1492

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: 57
Views: 1492

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: 22
Views: 1573

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: 11
Views: 1325

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: 29
Views: 1228

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: 57
Views: 1492

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: 22
Views: 1573

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: 2039

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: 5975

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: 5975

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: 9047

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: 974

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: 442

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 Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 113
Views: 5084

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: 104
Views: 8801

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: 5975

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: 47
Views: 5072

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: 113
Views: 5084

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: 113
Views: 5084

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: 113
Views: 5084

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: 335

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: 113
Views: 5084

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: 47
Views: 5072

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: 751

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: 369

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: 2427

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: 1168

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: 8156

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: 2105

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: 242

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: 920

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: 2300

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: 616

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: 1479

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: 92
Views: 8611

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: 3272

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: 820

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: 1456

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: 43
Views: 6132

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: 838

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: 2159

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: 2159

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: 14
Views: 666

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