Search found 11954 matches

by Toons
Mon Nov 20, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 102
Views: 5349

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I think for the general population it is a good idea,
As it is easier to swipe a card than hand over cash.
Personally I use one cash back card and pay it off as soon as the expense hits the account,
Not an issue for me,just sayin :happy
by Toons
Sun Nov 19, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 42
Views: 3193

Re: Car shopping tomorrow

We Purchased a 2017 Civic Hatchback about 3 months ago.
Pure pleasure to drive,loaded with technology.
Extremely pleased.
Personally I don't think you can go wrong.
Owned Crv,Fit before this Civic
by Toons
Sun Nov 19, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 89
Views: 7331

Re: The valet smashed my Tesla into a brick wall!

Some of the Best Advice My Mom ever gave me ,
"Can You Replace It?"
If so,stop fretting.
Remember,
It is stuff. :happy
by Toons
Thu Nov 16, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Pile of Cash - What to do
Replies: 25
Views: 2766

Re: Pile of Cash - What to do

Vanguard Balanced Index Fund Admiral :happy
by Toons
Wed Nov 15, 2017 5:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: BH recent Membership [BogleHead]
Replies: 15
Views: 1343

Re: BH recent Membership

I too have noticed an upswing in new people. Seems like every other post is from someone who has been here less than 6 months. Lots of newbie questions that get asked over and over again. And a lot fewer discussions of theory than a few years back. The ebb and flow of Bogleheads. :happy :thumbsup
by Toons
Wed Nov 15, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Regrets after reaching retirement?
Replies: 42
Views: 4253

Re: Regrets after reaching retirement?

Never,Never regret,
Waste of valuable precious time.
:happy
by Toons
Wed Nov 15, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains in IRA [are they taxable?]
Replies: 8
Views: 644

Re: Capital Gains in IRA [are they taxable?]

Do not fret.
You will not have any tax liability if transactions occur in Ira accounts. :happy
by Toons
Wed Nov 15, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4373

Re: Fair way to split expenses?

We are "married" as one.
What's mine is hers and vice versa,
Including any monies,,,
been that way for 38 years.
Never considered 'separate'
:happy
by Toons
Tue Nov 14, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 16
Views: 603

Re: What laptop with my usage?

Ditto
Chromebook
Simple,
Streamlined
Efficient.
lightweight
So portable. :happy
by Toons
Tue Nov 14, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3402

Re: Chromebook vs Windows 10?

I have been using Chromebooks since their inception. Typing on one now. I use a chromebook 95% of the time. When I want access my Quicken data on the Windows 10 desktop I use the Chrome Remote Desktop feature. No clutter,no nagging updates,etc,etc, Acer or Asus Chromebook for me. Great Value for the...
by Toons
Tue Nov 14, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 20
Views: 1701

Re: Mozilla Firefox Donations?

If you use Mozilla a lot,
I would donate something.
I use Wikipedia all the time.
They ask for donations.
Once per year I donate. :happy
by Toons
Tue Nov 14, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5140

Re: Keurig died...what now?

Everything wears out.
My keurig did,,,
I got another one with all the features I wanted.
I suggest you do the same .



You Only Live Once
Enjoy :happy :happy
by Toons
Tue Nov 14, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 44
Views: 2342

Re: Paying for news?

I subscribe to The Washington Post/Digital😎
by Toons
Mon Nov 13, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5621

Re: Losing all of your savings.

Earl Lemongrab wrote:
Mon Nov 13, 2017 5:07 pm
Toons wrote:
Mon Nov 13, 2017 3:46 pm
Make Lemonade out of Lemons.
Hey!


hahaha,,,
excellent :mrgreen: :mrgreen:
by Toons
Mon Nov 13, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5621

Re: Losing all of your savings.

Make Lemonade out of Lemons.
Start Over.
:happy
by Toons
Mon Nov 13, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Where to start investing?
Replies: 15
Views: 851

Re: Where to start investing?

Vanguard Balanced Index Fund
:happy
by Toons
Mon Nov 13, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 172
Views: 13697

Re: Why pay cash for a car?

Different strokes,
Different folks.
I pay cash.
One less thing to think about,
Free the mind.
Debt free ain't so Bad :mrgreen:
by Toons
Sun Nov 12, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 1808

Re: Are we headed for a crash or...

Yes eventually we are headed for a ,
Crash="Opportunity"
:happy
by Toons
Sun Nov 12, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4690

Re: Worth changing 40 gal. to 30gal. hot water tank?

Many years ago went from an electric 80 or 85 gal tank to a 40 gal tank without any trouble. Just do the mental math. For me it was usually 1 shower at 6AM, 2 showers at 7AM and one at 9AM. In between showers the tank recovered. Laundry and dishwasher usually ran at other times. I never needed to a...
by Toons
Sun Nov 12, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2421

Re: Better way to get rid of old fridge?

Let Them Haul It Away,
Keep It Simple
:happy
by Toons
Sat Nov 11, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9529

Re: Retirees: I got this!!

Felt pretty comfortable since day 1
:happy
by Toons
Sat Nov 11, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4001

Re: Septic tank - deal killer?

You are overthinking it. Why fret about a "what if" situation. 99.9% of the time they never happen. We retired to Tn to the country . We have a septic tank. Had It pumped out one time. We don't abuse it with oil,grease,,etc. So far no problems. Don't let it be a deal breaker if she likes the home. :...
by Toons
Sat Nov 11, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6715

Re: Swedish Death Cleaning [De-clutter your home]

DanMahowny wrote:
Sat Nov 11, 2017 6:21 pm
Much of what people own should be trashed.

The things you own end up owning you.
+1
Agree.
For the most part If you haven't used it in a year,
Donate it,Salvation Army etc.
Get Rid of It.
Less "material" clutter truly is more as the clock keeps "ticking". :happy
by Toons
Sat Nov 11, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Fund in Taxable account
Replies: 16
Views: 1416

Re: LifeStrategy Fund in Taxable account

So much depends on their tax rate when they retire.
Personally I have Lifestrategy Conservative Growth In my taxable account.
Quarterly Distributions.
I Pay taxes.
No big deal.(for me) :happy
by Toons
Sat Nov 11, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: The Emotions of Investing
Replies: 9
Views: 641

Re: The Emotions of Investing

Like This? :happy https://www.bogleheads.org/forum/viewtopic.php?f=2&t=159795&p=3259919&hilit=cycle#p3259919 Exactly. Do you recall where you found this chart? Side note: I thought nisiprius was being creative when he foisted several words I’d never seen in that thread. But evidently the word ‘floc...
by Toons
Sat Nov 11, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6392

Re: Do you meditate?

Yes ,
In my backyard.
On my BackYard deck.
1700 ft above sea level,
Mid way up from the tops of the trees,
Like being in a tree house.
Solitude
Pulse,54 beats per minute
Meditate :happy
by Toons
Fri Nov 10, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is using a Roth IRA for saving for a vacation in 10 years a good idea?
Replies: 11
Views: 815

Re: Is using a Roth IRA for saving for a vacation in 10 years a good idea?

Leave the tax free money (upon withdrawal)right where it is untouched
for as long as you can.
Tax free compounding is an essential so that you may have some Gold in your golden years :happy
by Toons
Fri Nov 10, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4767

Re: What do you do to keep your mind sharp?

Learning a Foreign Language Cooking Exercise Work with computers Study finance and work with numbers Read constantly Volunteer work. Crossword puzzles Tavel. :happy Great list Toons! I have cherished senior retirees in my English classes in Germany. Love all their stories! I learn much more from th...
by Toons
Thu Nov 09, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open an account with Vanguard?
Replies: 28
Views: 2054

Re: Should I open an account with Vanguard?

"The Admiral funds have much lower expenses"

Number 1 reason,expenses
Open an account :happy
Check out the slider calculator in the link to Vanguard

https://investor.vanguard.com/mutual-funds/low-cost
by Toons
Thu Nov 09, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay extra on my mortgage?
Replies: 11
Views: 1744

Re: Should I pay extra on my mortgage?

Pay Down,
Pay Off,
The Mortgage








:wink:
by Toons
Thu Nov 09, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101404

Re: U.S. stocks in freefall

ImmigrantSaver wrote:
Thu Nov 09, 2017 1:38 pm
I am contemplating buying my scheduled for tomorrow allocation today. Cause clearly tomorrow it'll be back up :oops:
Time,
Not Timing :happy
by Toons
Thu Nov 09, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2691

Re: Home backup generator experiences

This Ryobi does anything i ask it to do,,, :happy

Image


https://www.homedepot.com/p/Ryobi-3-600 ... /206041609
by Toons
Wed Nov 08, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of a barbelling / Larry-type portfolio
Replies: 22
Views: 1250

Re: Talk me out of a barbelling / Larry-type portfolio

Taylor Said It.
3 Funds.
I second that. :happy
by Toons
Wed Nov 08, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: When is a good time to rebalance?
Replies: 30
Views: 2268

Re: When is a good time to rebalance?

If you want to rebalance,
Some do
Some don't.
Do so when your asset allocation dictates it,
Irregardless of market levels. :happy
by Toons
Wed Nov 08, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1303

Re: Cellphone Battery

Personally I would And Have(for an S5) Purchase an Anker replacement battery https://www.amazon.com/Anker-2200mAh-Replacement-Battery-Samsung/dp/B00A44JSFK :happy Thank you for this. I have purchased supposedly-OEM Samsung batteries twice in the past from Amazon and Ebay, and neither worked properl...
by Toons
Wed Nov 08, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 4373

Re: Considering buying a new cell phone- ideas?

Samsung S8 Google Pixel 2 :happy After 2 days experience I'd add Samsung Note 8 - phenomenal camera that has almost of many customization options as my DSLR. S-pen stylus is also great - need to learn how to use it! This comment is for Toons - not for the OP. Its in the same price range as the newe...
by Toons
Wed Nov 08, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 3845

Re: Coffee

My newest coffee discovery
Good stuff :happy

Image
by Toons
Wed Nov 08, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1176

Re: Password manager without browser extension?

LastPass here,
2 factor authentication
I have been using the browser extension for years with chrome.
I like to sign in automatically when I have various sites open in different tabs. :happy
by Toons
Wed Nov 08, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4767

Re: What do you do to keep your mind sharp?

Learning a Foreign Language
Cooking
Exercise
Work with computers
Study finance and work with numbers
Read constantly
Volunteer work.
Crossword puzzles
Tavel. :happy
by Toons
Tue Nov 07, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5292

Re: Eye Doctor $30 to get your Rx? Is this normal?

Email this link to them " The FTC enforces the Eyeglass Rule and Contact Lens Rule, which give you the right to get a prescription from your eye doctor – whether you ask for it or not – at no extra charge. That allows you to shop around and look for the best deal ." Federal Trade Commission :thumbs...
by Toons
Tue Nov 07, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Slaughtering The High Dividend Sacred Cow
Replies: 192
Views: 12957

Re: Larry Swedroe: Slaughtering The High Dividend Sacred Cow

"McDonald's dividend strength is the kind you dream of"

https://seekingalpha.com/article/411397 ... ong-future

They keep increasing the dividend and the share price continues to rise :happy
by Toons
Tue Nov 07, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5292

Re: Eye Doctor $30 to get your Rx? Is this normal?

Email this link to them " The FTC enforces the Eyeglass Rule and Contact Lens Rule, which give you the right to get a prescription from your eye doctor – whether you ask for it or not – at no extra charge. That allows you to shop around and look for the best deal ." Federal Trade Commission :thumbsu...
by Toons
Tue Nov 07, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9605

Re: Disposable income... how?

"Seriously I don't understand how people can just buy new phones, new vehicles and still go out every Friday eat a nice dinner and drink craft beers."

Credit Cards :happy
https://www.creditcards.com/credit-card ... istics.php
by Toons
Tue Nov 07, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 2484

Re: When did you start investing in taxable accounts?

I was 30 when I started taxable investing.
We were dual income making approx mid five figures.
67 years young now :happy
by Toons
Tue Nov 07, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4308

Re: I Cut the Cord yesterday!

Smart Move .
We cut it 3 years ago.
Cable TV and Over the air channels are pretty much a thing of the past for us.
Youtube,Neflix,Amazon Prime cover our needs.
:happy
by Toons
Tue Nov 07, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Stuck between rock and hard place
Replies: 16
Views: 2333

Re: Stuck between rock and hard place

This year,
Enjoy the distributions,
Pay taxes,,,,,
Believe me it could be a whole lot "worse"
if that is the way you look at the situation :mrgreen:
by Toons
Tue Nov 07, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 4373

Re: Considering buying a new cell phone- ideas?

Samsung S8
Google Pixel 2 :happy