Search found 11859 matches

by Toons
Mon Sep 11, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 2400

Re: Feeling guilty for buying a new iPad pro

None whatsoever feeling guilty. We saved and invested diligently for decades..so that, we would have 'options" in our retirement years. On that note,,I just traded in my 2015 Crv with 12,000 miles for a 2017 Civic. Would I have done this between the ages fo 30-60.No. 66 now, the clock is ticking ,,...
by Toons
Mon Sep 11, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: New/used compact car
Replies: 9
Views: 613

Re: New/used compact car

Have owned a new Civic Hatchback now for 3 weeks.
Traded in a Crv for it.
We really enjoy the sporty feel when driving it.
Very enjoyable here in the mountainous area of Tn.
Loaded with technology.
No regrets,great price point for what is incorporated in the vehicle.... :mrgreen:
by Toons
Mon Sep 11, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 2400

Re: Feeling guilty for buying a new iPad pro

None whatsoever feeling guilty. We saved and invested diligently for decades..so that, we would have 'options" in our retirement years. On that note,,I just traded in my 2015 Crv with 12,000 miles for a 2017 Civic. Would I have done this between the ages fo 30-60.No. 66 now, the clock is ticking ,,,...
by Toons
Mon Sep 11, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 7466

Re: What If U.S. Stocks Stay Expensive For Years?

What If Stocks Stay Expensive For Years?

Keep investing as much as can as often as you can. :mrgreen:
by Toons
Fri Sep 08, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Irrational fears?
Replies: 23
Views: 1898

Re: Irrational fears?

99.9999999999%
Of what we worry about never happens.
Life is short.
Worry Robs you of that time and your energy and accomplishes nothing positive.
:happy
by Toons
Tue Sep 05, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 1839

Re: Refurbished or New TV?

Get a New Samsung. :happy
by Toons
Tue Sep 05, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3607

Re: How do you track expenses ?

Quicken :happy
by Toons
Tue Sep 05, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 8237

Re: Do retiree BHs actually run down their portfolios?

So far ,6 years into retirement,
No need to draw down portfolio.
By that I mean selling investments,although
I do take dividends and cap gains in various investments in taxable accounts.
Still reinvesting in tax deferred,tax free investments. :happy
by Toons
Fri Sep 01, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 3415

Re: The Stock Market Is Always Risky

Munir wrote:
Fri Sep 01, 2017 3:14 pm
Toons wrote:
Fri Sep 01, 2017 11:23 am
Keep Investing :happy
When should we start spending? :happy

Well,,I can only relate to my situation.
After 35 years of steady investing and reinvesting,,,,
I now get what I want ,when I want it,,
Whether for me or family.
Can't forget charity causes either.
Retired....
:happy
by Toons
Fri Sep 01, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 3415

Re: The Stock Market Is Always Risky

Keep Investing :happy
by Toons
Fri Sep 01, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 55
Views: 4645

Re: Are Roomba's effective?

I purchased the Bissell DigiPro from Walmart in the link below about 3 months ago. It has worked out very well. Actually enjoy watching it motor around the house,,, then find its way back to charging station. No complaints . We run a vacuum about every three weeks just to get a deep thorough clean b...
by Toons
Fri Sep 01, 2017 8:49 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17081

Re: Is Bogelheads getting less interesting?

Not to inflate anyone's ego, but I still find posts by names such as SimpleGift (always seem to be interesting research (s)he's doing, and subsequent discussion is stimulating), bobcat2 (I enjoy his discussions of liability-matching), willthrill81(an advocate of 100% equities), and Toons (seems to ...
by Toons
Thu Aug 31, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

Pranav wrote:
Thu Aug 31, 2017 10:46 am
Toons wrote:
Thu Aug 31, 2017 9:03 am
I will stick with TaxAct,
Frankly,
If it cost 50 bucks or even more,
I will pay it.
It is a pittance for the money it has saved me over the years,
You can't take it with you. :happy
How did TaxAct save you money?
Not having to pay a tax preparer,
Given the details of my return . :mrgreen:
by Toons
Thu Aug 31, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

Blues wrote:
Thu Aug 31, 2017 9:15 am
Toons wrote:
Thu Aug 31, 2017 9:03 am
You can't take it with you. :happy
Oh yeah? Sez who? :greedy

You make a good point, brother. :sharebeer

:sharebeer
by Toons
Thu Aug 31, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Help Customizing Streaming TV Options
Replies: 10
Views: 954

Re: Help Customizing Streaming TV Options

I rarely watch tv anymore.
I would prefer to choose what I want to watch,
Rather than have it delivered ,along with ads.
Between Netflix,Amazon Prime,Youtube,
My needs are met. :happy
by Toons
Thu Aug 31, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Retirement or Pay Off Debt?
Replies: 35
Views: 3126

Re: Retirement or Pay Off Debt?

$400k debt.
Excessive.
Like an albatross around the neck
Focus ,,,laser like,due diligence,
Pay it down,,eliminate it.
:happy
by Toons
Thu Aug 31, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

I will stick with TaxAct,
Frankly,
If it cost 50 bucks or even more,
I will pay it.
It is a pittance for the money it has saved me over the years,
You can't take it with you. :happy
by Toons
Thu Aug 31, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: How do you reverse a lifetime of frugality and learn to spend some money?
Replies: 59
Views: 6410

Re: How do you reverse a lifetime of frugality and learn to spend some money?

While you are pondering what to do with the money,
Allocate x amount of dollars to your favorite charity Or
Worthy Cause
Every Month :happy
by Toons
Wed Aug 30, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10122

Re: Companies/Brands You Love?

Coke
Google
Amazon
Vanguard
Whoops,,,
Forgot Honda
:happy
by Toons
Wed Aug 30, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

Received email yesterday,part of which stated the below:

"Auto-enroll for TaxAct 2017 Federal Premium Edition today, and pay only $27.00 when you file your 2017 taxes with us"

I signed into my account,,,I selected auto enroll. :happy

https://www.taxact.com/products/next-year
by Toons
Tue Aug 29, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Wait & You'll Likely Miss Out
Replies: 74
Views: 10241

Re: Larry Swedroe: Wait & You'll Likely Miss Out

"Time Not Timing"
Sounds familiar to me.
by Toons
Thu Aug 24, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5802

Re: I did it and feel great about it (paid off mortgage)

$1500/month free cash flow

Invest the hypothetical mortage payment
while you decide what you really want to do :happy
by Toons
Thu Aug 24, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: help with picking program to manage budget
Replies: 11
Views: 690

Re: help with picking program to manage budget

Quicken 25 years here.
Highly Recommend.
Deluxe Version :happy
by Toons
Sun Aug 20, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Irrational Despair?
Replies: 39
Views: 5870

Re: Irrational Despair?

Despair about what you can't control?
Despair and Worry Rob you of Joy.
Waste Of Precious Time. :happy
by Toons
Fri Aug 18, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1644

Re: How do you know how much your portfolio lost/gain in one day?

Well,
If I wanted to ,
I could update all my investment prices with Quicken software.
I do that about twice a year.
But Daily??
Not necessary,meaningless,,for me anyway.
For many ,daily checking is a great way to sabotage their investment plan.(Selling) :shock:
by Toons
Fri Aug 18, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16239

Re: Lost $7000 today in ONE DAY!

Ged wrote:
Fri Aug 18, 2017 9:01 am
LOL. I started buying stocks in 1978. The S&P was in the 90's.

Day to day fluctuations are tiny compared to the long game.
+1 :happy
The Best,
The Truth In A Nutshell
Tiny and Meaningless. :mrgreen:
by Toons
Thu Aug 17, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 12283

Re: Is it worth it?

When you reach the age of 50 and beyond(age 66 here), Will you want to reflect on the fond memories of your career,Or Fond memories of time spent with your children as they grew up and developed. We made a choice in our household . At age forty ,we decided(dual income) that one of us would stay home...
by Toons
Wed Aug 16, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy for all taxable
Replies: 8
Views: 695

Re: LifeStrategy for all taxable

Smart Move with Lifestrategy.
Given your tax rate,
no issue.
Enjoy :happy
by Toons
Mon Aug 14, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should $100K for remodeling come from savings or from refinance?
Replies: 14
Views: 1900

Re: Should $100K for remodeling come from savings or from refinance?

Pay cash. Move On. :mrgreen: +1 We did a $100k remodel of our house last year, paid in cash. Once the last check cleared, we were fully through with the remodel and put it out of our minds. Major remodels are stressful enough without having to relive it every time you pay a bill. +1 My sentiments,,...
by Toons
Mon Aug 14, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 104
Views: 10391

Re: 85/15 too aggressive at age 35?

I don't think so ,but
It depends on one's risk profile and how they handle declining markets,
Personally I was 90% equities until about age 60.
Then again,
I have always treated bear,declining markets as opportunity time. :happy
by Toons
Mon Aug 14, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3548

Re: Your Movie Collection?

No movie discs in the house.
Stream everything.
Less to keep track of. :mrgreen:
by Toons
Mon Aug 14, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: All in stocks: Where to go now?
Replies: 24
Views: 2403

Re: All in stocks: Where to go now?

25 years young Investing for retirement? Keep Doing What You are Doing. Heavily into equities. Keep debt to a minimum. Invest as much as you can as often as you can. Hope for a few extended bear markets while you are steadily investing. Take the Rip Van Winkle approach.,,, Check back in 20 years You...
by Toons
Mon Aug 14, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3977
Views: 1059686

Re: U.S. stocks in freefall

The compounding machine never sleeps.
You have to participate to be rewarded.
Time.
Not Timing :mrgreen:
by Toons
Mon Aug 14, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Paying stocks
Replies: 33
Views: 3415

Re: Dividend Paying stocks

Mcdonalds. Why . Take a look at growth and dividend numbers. I have personally owned it for 25 years..other than that Look at the top holdings of Vanguard High Dividend Yield Index fund..take your pick of 400 or so :happy https://personal.vanguard.com/us/FundsAllHoldings?FundId=0623&FundIntExt=INT&...
by Toons
Mon Aug 14, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6912

Re: It's easy to have an investment plan until you get punched in the face

Punched in the face with "Opportunity" :happy
Get it when it is on sale
half price
like 2007-8 :mrgreen: :mrgreen:
by Toons
Sun Aug 13, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Paying stocks
Replies: 33
Views: 3415

Re: Dividend Paying stocks

Mcdonalds. Why . Take a look at growth and dividend numbers. I have personally owned it for 25 years..other than that Look at the top holdings of Vanguard High Dividend Yield Index fund..take your pick of 400 or so :happy https://personal.vanguard.com/us/FundsAllHoldings?FundId=0623&FundIntExt=INT&t...
by Toons
Sun Aug 13, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Hail protection for new car?
Replies: 11
Views: 917

Re: Hail protection for new car?

Have to park new car outside and worry about all the hailstorms that seem to be around. Pondering best way to at least mitigate hail damage without spending a fortune. Best idea I've had so far is to do something like buying a couple foam mattress pads or some thick blankets and throw them over the...
by Toons
Sun Aug 13, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2318

Re: For those switching to Chrome from Firefox

Chrome/ChromeBook
Lightning Speed
by Toons
Sat Aug 12, 2017 6:26 pm
Forum: Forum Issues and Administration
Topic: Software Updated to phpBB 3.2.1
Replies: 38
Views: 2771

Re: Software Updated to phpBB 3.2.1

Excellent.
:mrgreen: :mrgreen:
by Toons
Thu Aug 10, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7838

Re: Aug. 2017 US total eclipse hotel reservations.

98.7 coverage here,,,,
I am fine. :happy
by Toons
Thu Aug 10, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6660

Re: What Percentage CASH are you?

.01481 % :happy
by Toons
Thu Aug 10, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3977
Views: 1059686

Re: U.S. stocks in freefall

The more it changes,
The more it remains the Same :happy
by Toons
Wed Aug 09, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6424

Re: Time to leave our dentist??

Vote with your feet. :happy
by Toons
Wed Aug 09, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3990

Re: How to not obsess over investments?

Treat Your Portfollio like you would a cactus plant.
Definately no kneejerk moves.
A rule of thumb.
Mutual funds should be framed in 10yr performance,no less. :happy
by Toons
Tue Aug 08, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2592

Re: How do you manage cash back rewards?

2 cards
Amazon Prime Card 5%back on purchases statement credit
Other Master Card,,,percentages back on purchases,receive check once per year.
:happy
by Toons
Tue Aug 08, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3126

Re: Should I Buy a New Car?

Get a New Civic,,, If You can afford it. We just purchased a Civic Hatchback,,, Well thought out machine,with loads of techology packed in. :happy Did you get the 2.0 or the 1.5 Turbo? 1.5 turbo... Excellent performance(superb torque) Hatchback (packed with technology) https://automobiles.honda.com...