Search found 12626 matches

by Toons
Wed May 23, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 2918

Re: Best buy and hold vanguard fund forever...

Vanguard Balanced Index Fund -Admiral.


:happy
by Toons
Wed May 23, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2213

Re: Quicken - Do you use it?

Used it faithfully since 1993 to track every financial transaction.
It has been an invaluable tool budgeting, planning,taxes,investing/
I truly believe it aided me in acquiring enough in assets so that we could retire somewhat early.
:happy
by Toons
Wed May 23, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 96
Views: 4235

Re: How have you upgraded your wardrobe?

Yes
A few pairs of shorts from Walmart for the summer.
A new batch of tye dye t shirts I make myself.
Pair of Crocs



:mrgreen:
by Toons
Wed May 23, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: Just had windows installed..one of them with scratches..
Replies: 12
Views: 1116

Re: Just had windows installed..one of them with scratches..

Don't know where you purchased your windows.
As mentioned Pella has serial numbers on windows we had installed by Lowes.
4 of them had minor imperfections,,,Lowes replaced,no questions asked.




:happy
by Toons
Wed May 23, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 1823

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

I dropped AAA 10 years ago.
Switched to Geico Assistance.
Hard to compare,
Fortunately haven't needed Roadside Assistance yet.
We also travel in a Class B Rv.
No plans to go back to AAA.(paper maps are a dinasour) :happy
by Toons
Sun May 20, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 5609

Re: What’s your phone/internet bill?

Comcast high-speed (130 down) 79.95 monthly(terabyte of data)
Spouse and I both Use Samsung Smart phones ,Straight talk 10gig data at 4g
45.00 each per month
I use google voice for land line if I need to.
We got rid of landline over 10 years ago,



:mrgreen:
by Toons
Sun May 20, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 8042

Re: Dave Ramsey it or keep low interest debt

Pay off the car
15 year mortgage
Ramsey is correct regarding millionaires.








:happy
by Toons
Sat May 19, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5139

Re: Finance a $28,000 house for Brother?

Let him figure it out by himself,,
He will be better off.
Character Building.
:happy
by Toons
Fri May 18, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Which AA do people draw from in retirement?
Replies: 17
Views: 1444

Re: Which AA do people draw from in retirement?

So far ,,
Pension
SS
Dividends ,Cap-gains from Taxable account.,,
Have sufficed
:happy
by Toons
Sun May 13, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7865

Re: Bucket List Adventures/Activities

My bucket list is finished...
Everyday now is a bonus

:mrgreen:
by Toons
Sun May 13, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 4532

Re: College laptop for fall 2018 freshman

I own Windows 10 desktops,Laptops.....
This Asus Chromebook is my favorite...
Perfect for a student.....,
And Toons(on second thought I am a student,,spanish online) :mrgreen:

Buena Suerte ,,,Buen Dia



https://www.amazon.com/gp/product/B01DB ... UTF8&psc=1
by Toons
Sun May 13, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 148
Views: 11048

Re: New(ish) attending physicians in the Bay Area: Housing

Come to Johnson City Tn.
The Doctors I speak to ,love it here.

:happy
by Toons
Sat May 12, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2214

Re: Online/cloud backup or file storage?

Online for years here.
Google Drive
DropBox.
Easy access.
Do Not Fret.
:mrgreen:
by Toons
Sat May 12, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: New Digital Advisor for $20/month - Worth it ?
Replies: 11
Views: 1394

Re: New Digital Advisor for $20/month - Worth it ?

Use quicken for cashflow or something similar
Buy Index funds.
No need for 20 a month to anybody,
:happy
by Toons
Tue May 08, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 3525

Re: Why do so many Americans not own stocks?

They don't Save enough to invest.
Forget about delayed gratification.
They want something tangible .
Stuff.
:happy
by Toons
Tue May 08, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 63
Views: 7024

Re: Memory Foam Mattress Recomendations

Really appreciate this purchase :happy https://www.amazon.com/gp/product/B00RZTIW86/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 Just wanted to thank you for this recommendation.. Hard to trust Amazon reviews, so I purchased this solely on your recommendation- and couldn't be happier. Bogleheads has ...
by Toons
Tue May 08, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5954

Re: When to buy new underwear?

Every few months.
:happy
by Toons
Sun May 06, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16891

Re: What Percentage CASH are you?

Doc wrote:
Sun May 06, 2018 4:30 pm
Toons wrote:
Thu Aug 10, 2017 2:44 pm
.01481 % :happy
I was happy too until you beat me.

.0212% :(

We have more "cold" cash on hand than we have in all of our investment accounts combined.

LOl,,,, :sharebeer
by Toons
Wed May 02, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10065

Re: Have you quit eating sugar? Tell me how!

Self Discipline.
Just Stop.

:happy
by Toons
Mon Apr 30, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15255

Re: How do you know when you have "won the game"?

For us,,,in retirement
We do what we want monetarily ,yet.
Our net worth continues to grow.

:happy
by Toons
Mon Apr 30, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2559

Re: What Android browser do you use?

Chrome
:happy
by Toons
Mon Apr 30, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10420

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........ :happy http://www.roadtrek.com/wp-content/uploads/2014/07/roadtrek_cs-adventurous_driver-side-angled_white_1280x688_04-2017-720x396.png http://www.roadtrek.com/models/cs-adventurous/ :sharebeer is this what you have? Looks like an amazing vehicle. Yes,...
by Toons
Mon Apr 30, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3109

Re: How do you fund spending in retirement

Pension
Social Security.
Capital Gains and dividends from holdings,
I use Capital One 360 checking and their Moneymarket account for cash needs.
Both Interest bearing accounts.

FYI..
https://www.capitalone.com/bank/checkin ... g-account/





:happy
by Toons
Fri Apr 27, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10780

Re: Amazon to raise Prime membership in US to $119 from $99

A can of pringles used to cost me fifty cents,
Everybody has to make a living
:mrgreen:
by Toons
Thu Apr 26, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5760

Re: Comfortable Commuter Cars under $50K

Honda Civic Touring
:mrgreen:
by Toons
Thu Apr 26, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do I un-follow stock market?
Replies: 31
Views: 1721

Re: How do I un-follow stock marke?

Discipline,
Just say No,
And MEAN it








:mrgreen:
by Toons
Tue Apr 24, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10420

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........ :happy http://www.roadtrek.com/wp-content/uploads/2014/07/roadtrek_cs-adventurous_driver-side-angled_white_1280x688_04-2017-720x396.png http://www.roadtrek.com/models/cs-adventurous/ We have one and we love it. It is a 2017 and we took it on a 39 day t...
by Toons
Mon Apr 23, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10420

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........
:happy

Image


http://www.roadtrek.com/models/cs-adventurous/




:sharebeer
by Toons
Mon Apr 23, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Too Much Money in Taxable Acct/House Payoff/401k
Replies: 8
Views: 1059

Re: Too Much Money in Taxable Acct/House Payoff/401k

$102k on 15 year mortgage @3.49%, house is currently worth ~$207k, mortgage has 14 years left on it


Eliminate, any way you see fit.





:happy
by Toons
Mon Apr 23, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 2831

Re: Dividend fund in taxable account during retirement, yea or nay?

My spouse and I are retired I quit fretting about taxes in taxable account years ago. I have several balanced funds,managed equity funds and individual stocks in my taxable account. I now take all the dividends and capgains in cash.I had reinvested for years, I pay taxes ,although ,in retirement it ...
by Toons
Mon Apr 23, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 26
Views: 2280

Re: What to do with extra 50k? Still struggling.

2. Pay down mortgage (3%, 10yr, 130k).


Gets My Vote.

:mrgreen: :mrgreen:
by Toons
Sun Apr 22, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 7546

Re: Do you buy new or used cars?

For 40 years we bought a new one about every ten years (base model)
Age 67
We saved and invested for those decades
We bought a new one in
2011,12,13,15,17,18
traded each time.
The clock is ticking,
:mrgreen:
by Toons
Sat Apr 21, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Lending Club Investing
Replies: 26
Views: 2343

Re: Lending Club Investing

Stick To Index Funds.
Watch the paint dry,



:mrgreen:
by Toons
Sat Apr 21, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 18
Views: 1001

Re: Portfolio Questions

bogglek3sh4v wrote:
Fri Apr 20, 2018 2:51 pm
Toons wrote:
Fri Apr 20, 2018 2:47 pm
Credit Card Debt: $3,000 @ 10% APR

Please say "adios" to that


:mrgreen:
Adios :D
:sharebeer :mrgreen:
by Toons
Sat Apr 21, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11330

Re: New retirees: so whatdayathink ?

Every Day Is A Holiday
Every Meal Is A Banquet

:mrgreen:
by Toons
Fri Apr 20, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 18
Views: 1001

Re: Portfolio Questions

Credit Card Debt: $3,000 @ 10% APR

Please say "adios" to that


:mrgreen:
by Toons
Fri Apr 20, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 9222

Re: NYT article: Everyone should hire a financial planner

I am 67 years young.
Eventually I might hire one...
Not today though









:happy
by Toons
Thu Apr 19, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1949

Re: Once retired, tools to determine available spend?

Retired. We spend... less than we have. It works. For Us. :happy Ok, but if you "have" $1,000,000 at start of retirement and plan to "spend" just $100,000 of it each year going forward, you could run into problems with nest egg depletion... Well I guess that could be the case. We have nof found our...
by Toons
Thu Apr 19, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4781

Re: PC laptops

Dell,Lenovo ,or
Chromebook Asus
:happy
by Toons
Thu Apr 19, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4488

Re: Are you keeping more in cash?

I keep about 50k in "cash"

:happy
by Toons
Thu Apr 19, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1949

Re: Once retired, tools to determine available spend?

Retired.
We spend...
less than we have.
It works.
For Us.
:happy
by Toons
Thu Apr 19, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 31
Views: 2558

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

I've owned PRIMECAP Core for about 18 years. Very happy I do. As stated before, they are a great management Team, not just one star manager.. They must be doing something right because they've been doing it right for a very long time. If I had the opportunity to get into one of their funds, I would...
by Toons
Wed Apr 18, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5649

Re: I want to pay off my mortgage. Am I crazy?

I would pay off Everything.
Give yourself "options"
:happy
by Toons
Tue Apr 17, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5649

Re: I want to pay off my mortgage. Am I crazy?

"We have no debt whatsoever"
Say It over and over.
pay off the mortgage
You won't regret it.
:happy