Search found 13903 matches

by Toons
Sun Apr 18, 2021 8:18 pm
Forum: Personal Investments
Topic: Invest 120K now or wait for the crash?
Replies: 34
Views: 3189

Re: Invest 120K now or wait for the crash?

Crash?
When?


:mrgreen:
by Toons
Sun Apr 18, 2021 4:38 pm
Forum: Personal Consumer Issues
Topic: Snowbirds establishing FL residency from Northeast- Residency audits
Replies: 59
Views: 4805

Re: Snowbirds establishing FL residency from Northeast- Residency audits

The easy answer is don’t play games, don’t cheat. When I moved to Florida from NYC in 2018. I sold my property in NYC, moved all of my possessions to Florida, got a Florida drivers license, registered to vote in Florida, changed all of my accounts to my new Florida address, and by the way I haven’t...
by Toons
Sun Apr 11, 2021 4:58 pm
Forum: Personal Investments
Topic: Invest in After-Tax Brokerage Account or Take Student Loan?
Replies: 14
Views: 605

Re: Invest in After-Tax Brokerage Account or Take Student Loan?

No more loans
Pay down
Pay off the loans.







:moneybag
by Toons
Tue Mar 30, 2021 4:57 pm
Forum: Personal Consumer Issues
Topic: Battery operated garden tools
Replies: 21
Views: 3208

Re: Battery operated garden tools

Ryobi serves me well
Lithium
Mower etc
:mrgreen:
by Toons
Tue Mar 30, 2021 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Spending money and living now VS saving and living better later?
Replies: 82
Views: 17324

Re: Spending money and living now VS saving and living better later?

Start Spending More Money,
See How You Feel.
If You Find Yourself Becoming Uncomfortable.
Then Stop.

:happy
by Toons
Tue Mar 30, 2021 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cash for a house or not?
Replies: 20
Views: 2939

Re: Pay cash for a house or not?

Pay
Cash





:mrgreen:
by Toons
Mon Mar 29, 2021 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff New Mortgage Aggressively or Invest?
Replies: 37
Views: 3734

Re: Payoff New Mortgage Aggressively or Invest?

pre-paying the mortgage

Start Tomorrow
If Not Sooner




:wink:
by Toons
Mon Mar 29, 2021 5:18 pm
Forum: Investing - Theory, News & General
Topic: "Nobody Knows Nothin'"
Replies: 83
Views: 7856

Re: "Nobody Knows Nothin'"

MishkaWorries wrote: Sun Mar 28, 2021 7:40 am
Toons wrote: Fri Apr 10, 2020 4:18 pm I know "Something"
I've Got A Secret :wink: :wink:
Do you have a newsletter I can subscribe to?
It is out there
once you find it
you will have the "key"
:wink:
by Toons
Mon Mar 22, 2021 9:54 am
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15288

Re: What do most people do with a 401K upon retirement if they dont need it?

Let it ride. And be prepared for RMDs as previously mentioned. You will see mentions of Roth conversions. I view them as gimmicky and unnecessary. The stated gain from Roth conversions, if this information can be squeezed out of the posters, is tiny in the big picture. The juice isn't worth the squ...
by Toons
Mon Mar 22, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: New Glasses, Costco or Walmart?
Replies: 41
Views: 2701

Re: New Glasses, Costco or Walmart?

No Costco near me I have tried Sams a couple of times Last several years completely pleased with Wal-Mart prices Service, Warranty,slight scratch 8 months in on lens,replaced no questions asked I purchased two pair of prescription glasses last year(20% off second pair) Tri -Focal No line Nikon lens...
by Toons
Mon Mar 22, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: New Glasses, Costco or Walmart?
Replies: 41
Views: 2701

Re: New Glasses, Costco or Walmart?

delete
by Toons
Sun Mar 21, 2021 5:25 pm
Forum: Investing - Theory, News & General
Topic: What To Do with $36,000 Extra a Year...?
Replies: 9
Views: 1826

Re: What To Do with $36,000 Extra a Year...?

" Our long-term retirement, 401-K, health insurance, etc. plans are solid. In other words, we have "More Than Enough" to cover things based on our expenses. No debt" Given that scenario Once the money is in hand You will have different thoughts. Give yourself some time . Whateve...
by Toons
Sun Mar 21, 2021 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Squared Away: Does higher life expectancy make people retire later?
Replies: 45
Views: 3925

Re: Squared Away: Does higher life expectancy make people retire later?

Live Longer
With less and less
Life Energy?
I say retire if you choose
while you have the energy
and desire to move around
:wink:
by Toons
Sun Mar 21, 2021 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Squared Away: Does higher life expectancy make people retire later?
Replies: 45
Views: 3925

Re: Squared Away: Does higher life expectancy make people retire later?

Live Longer
With less and less
Life Energy?
I say retire if you choose
while you have the energy
and desire to move.
:wink:
by Toons
Sun Mar 21, 2021 5:08 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23997

Re: What is the BEST thing you spent money on?

AirBnb
3 months
Jupiter Florida
This Winter
:wink:
by Toons
Sun Mar 14, 2021 7:41 pm
Forum: Personal Investments
Topic: Your thoughts on Lump Sum VTINX or VASIX?
Replies: 18
Views: 1588

Re: Your thoughts on Lump Sum VTINX or VASIX?

Would lump sum 2.7M in VSCGX be prudent? Hi VeryBlessedCali, VSCGX is the Vanguard LifeStrategy Conservative Growth Fund which is 40/60 (stocks/bonds). It's a very good choice because: 1) the fund is very low-cost 2) it uses passive index funds to get exposure to the main assets of US stocks, Inter...
by Toons
Sun Mar 14, 2021 7:37 pm
Forum: Investing - Theory, News & General
Topic: How to invest new large sum in current frothy market
Replies: 51
Views: 5025

Re: How to invest new large sum in current frothy market

There will be a low ,then
another New high,
continually,
on and on
lump sum
tune out the non-sense
let it ride
time,
not timing


:happy
by Toons
Tue Mar 09, 2021 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Sell the Big House or Keep?
Replies: 45
Views: 5024

Re: Sell the Big House or Keep?

Sell
Buy "less space"


:wink:
by Toons
Sat Mar 06, 2021 12:43 pm
Forum: Personal Investments
Topic: 18 to 100 percent annual return fund
Replies: 145
Views: 12192

Re: 18 to 100 percent annual return fund

I would be more than satisfied with
5-7%
Compounded.
Why Be Greedy

:happy
by Toons
Sat Mar 06, 2021 12:41 pm
Forum: Personal Investments
Topic: Advice for daughter on financial adviser
Replies: 36
Views: 3708

Re: Advice for daughter on financial adviser

Break Out Your Calculator
Advisor Fees on 100k annually
Compounded.
Opportunity Costs Are Huge.(less capital to purchase more shares,compounded)
Over time.

:wink:
by Toons
Sat Mar 06, 2021 12:38 pm
Forum: Personal Investments
Topic: Wellesley - bond selections & stock/bond adj capability
Replies: 27
Views: 2472

Re: Wellesley - bond selections & stock/bond adj capability

I'm sure you are right but wish you were wrong... I was hoping they were doing those. Ok, maybe not to the degree of what I was discussing, but would you be able to come up with one or two advantages of allocating the way I had described, as opposed to a self-managed 20% bnd / 80% vti? Maybe none.....
by Toons
Fri Mar 05, 2021 8:40 pm
Forum: Personal Consumer Issues
Topic: Safer to Pay Bill by Mail or Phone?
Replies: 32
Views: 2129

Re: Safer to Pay Bill by Mail or Phone?

02nz wrote: Thu Mar 04, 2021 10:16 pm Using your your bank's bill pay function to send a check is probably more secure than either of the two options you listed. And you'll save the cost of a stamp (assuming the organization didn't provide a postage-paid envelope). :moneybag

Ditto :mrgreen:
by Toons
Fri Mar 05, 2021 8:39 pm
Forum: Personal Investments
Topic: Wellesley - bond selections & stock/bond adj capability
Replies: 27
Views: 2472

Re: Wellesley - bond selections & stock/bond adj capability

I have invested in Wellesley Income for years now.
I entrust the managers to do just that
Manage.
:mrgreen:
by Toons
Fri Mar 05, 2021 8:36 pm
Forum: Personal Consumer Issues
Topic: Does anyone use a Password Manager on Chromebook?
Replies: 3
Views: 311

Re: Does anyone use a Password Manager on Chromebook?

Likewise LastPass
Chromebook,Windows computers,Phone
All of my transactions,taxes are done online
And I also pay.
They deserve it
Everyone has to make a living
:mrgreen:
by Toons
Fri Mar 05, 2021 6:43 pm
Forum: Personal Investments
Topic: Is my Financial Advisor's advice sound?
Replies: 69
Views: 6584

Re: Is my Financial Advisor's advice sound?

hcpotter12 wrote: Fri Mar 05, 2021 6:41 pm Thanks for the responses! I am single, no dependents, and don't anticipate having kids until I'm at least 30.
I would rethink the term then.
by Toons
Fri Mar 05, 2021 6:39 pm
Forum: Personal Investments
Topic: Is my Financial Advisor's advice sound?
Replies: 69
Views: 6584

Re: Is my Financial Advisor's advice sound?

Keep doing EXACTLY what you are doing Index Term Insurance.(If you have a family,otherwise I wouldn't) Fidelity fund /brokerage account,whole life Run,Quickly Do not submit to pressure tactics Come to this site ,like you have with any questions if you need sensible advice. :wink: PS Keep debt to a b...
by Toons
Fri Mar 05, 2021 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return for Deceased Relative
Replies: 12
Views: 983

Re: Tax Return for Deceased Relative

Ana-Maria57 wrote: Fri Mar 05, 2021 6:11 pm In Turbo Tax do I use her ID or mine when filing? Thanks again.
Hope this helps
I filed for my deceased Mother a few years back as executor

https://ttlc.intuit.com/community/taxes ... 21#M309137
by Toons
Fri Mar 05, 2021 6:14 pm
Forum: Personal Consumer Issues
Topic: Should I take an almost free LG smartphone upgrade?
Replies: 19
Views: 1062

Re: Should I take an almost free LG smartphone upgrade?

Life is short
Take the upgrade
Technology changes at
the speed of light
:happy
by Toons
Wed Mar 03, 2021 11:26 am
Forum: Personal Consumer Issues
Topic: Anyone employ personal assistants? House managers?
Replies: 49
Views: 4184

Re: Anyone employ personal assistants? House managers?

TomatoTomahto wrote: Wed Mar 03, 2021 7:34 am I knew a family that employed someone like this. They called him a “factotum.” Great SAT word for their kids.


Excellent!

:happy :happy
by Toons
Wed Mar 03, 2021 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Big Raise: What to Do With It
Replies: 45
Views: 3437

Re: Big Raise: What to Do With It

One step at a time.
Pay Off the Mortgage.
ASAP
Keep Saving
The "answers" as to what to do
Will Come.
:wink:
by Toons
Thu Feb 25, 2021 11:09 am
Forum: Personal Investments
Topic: How do you deal with timing regrets?
Replies: 79
Views: 7321

Re: How do you deal with timing regrets?

Nicolas wrote: Wed Feb 24, 2021 7:51 pm
Toons wrote: Wed Feb 24, 2021 7:32 pm Regret is a waste of Time
So I don't do it
Accentuate The
Positive


:wink:
Regret serves a useful purpose in life. It keeps you from making similar mistakes.
Correct
I call it
"Experience "

:mrgreen:
by Toons
Thu Feb 25, 2021 11:08 am
Forum: Personal Investments
Topic: How do you deal with timing regrets?
Replies: 79
Views: 7321

Re: How do you deal with timing regrets?

MoonOrb wrote: Wed Feb 24, 2021 9:59 pm
Toons wrote: Wed Feb 24, 2021 7:32 pm Regret is a waste of Time
So I don't do it
Accentuate The
Positive
BURMA SHAVE
Bingo
:wink:
by Toons
Thu Feb 25, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 543
Views: 141676

Re: If your net worth is over $3 million, how did you do it?

Compounding :mrgreen: +1, when you are young through middle-age, save and invest. Then, when the 8th wonder of world, compound growth, starts to have a significant effect you can ease up on the savings a bit as it is no longer a major factor in the growth of your net worth. Don’t interrupt the comp...
by Toons
Wed Feb 24, 2021 7:36 pm
Forum: Personal Investments
Topic: Advice on how to ease the anxiety of deciding to retire.
Replies: 91
Views: 10524

Re: Advice on how to ease the anxiety of deciding to retire.

Have a Party
Celebrate
Joyous Occasion
Stop Worrying





:mrgreen:
by Toons
Wed Feb 24, 2021 7:32 pm
Forum: Personal Investments
Topic: How do you deal with timing regrets?
Replies: 79
Views: 7321

Re: How do you deal with timing regrets?

Regret is a waste of Time
So I don't do it
Accentuate The
Positive


:wink:
by Toons
Wed Feb 24, 2021 7:25 pm
Forum: Personal Consumer Issues
Topic: wiFi extenders
Replies: 39
Views: 2182

Re: wiFi extenders

Google Mesh
Installed Quite a while back
Works Perfectly.
Or try one of these,link below
We are at an Airbnb now
I am using this to extend the owners wifi signal
Working great
https://www.amazon.com/gp/product/B00R9 ... UTF8&psc=1

:mrgreen:
by Toons
Fri Feb 19, 2021 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you spend $1 million on a home in SW Florida?
Replies: 75
Views: 4916

Re: Where would you spend $1 million on a home in SW Florida?

My 2 cents worth
Jupiter
East Coast
Near the "Ocean"
:happy
by Toons
Thu Feb 18, 2021 11:03 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14646

Re: Changes to LastPass free

Just Upgraded To Premium
2.25 a month
9.00 discount for the year...
Gladly pay
I owe them
:mrgreen: