Search found 13280 matches

by Toons
Thu Jul 18, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 47
Views: 2469

Re: Garage Organization

One tool chest
I 'hang" everything else.
I try to avoid bending over as much as possible for something,
Other than my socks and shoes
:happy
by Toons
Thu Jul 18, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Chromebook
Replies: 16
Views: 671

Re: Chromebook

Been using chromebook since 2011
The beta version.
Typing on one now
Chromebook and phone use 99% of the time,,
Gradually found myself drifting away from Windows based computers since 2012.
Pretty much use Windows now for Quicken and
Watching Youtube videos.
Samsung and /or Acer for me
:wink:
by Toons
Tue Jul 16, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4645

Re: Do you care about your home appreciating?

Not Really
It is shelter.
:happy
by Toons
Sat Jul 13, 2019 9:40 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27031

Re: Americans believe they need $1.7 million, on average, to retire

Debt free?
A couple 60+
Should be fine with
50k a year expenses.
Unless I buy a new vehicle,no problem here.


:happy
by Toons
Sat Jul 13, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13514

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

I would say it would stack the cards in your favor,
In tandem with keeping debt at a Minimum,
Like zero credit card debt or school loan debt.
:happy
by Toons
Sat Jul 13, 2019 4:29 pm
Forum: Personal Investments
Topic: What to do with 100k at this moment in time
Replies: 8
Views: 1045

Re: What to do with 100k at this moment in time

" due to market fears." My suggestion is to better manage your emotions. You have to accept the fact that volatility is an inherent part of investing. You have exactly zero control over what the market does on a daily basis. Until you can accept that fact and ignore all the daily financial market "...
by Toons
Sat Jul 13, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7618

Re: Medigap vs Advantage: Which did you select?

Medigap G
Mutual Of Omaha

:happy
by Toons
Sat Jul 13, 2019 3:52 pm
Forum: Personal Investments
Topic: my mom is a "financial advisor"
Replies: 66
Views: 7154

Re: my mom is a "financial advisor"

I would stick to,,,,
Hey Mom,
Whats for dinner ?
:mrgreen:
by Toons
Sat Jul 13, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2229

Re: Want a 2 in 1 laptop

Acer Chromebook Touchscreen https://www.walmart.com/ip/1-60-N3160-Memory-Celeron-4-Intel-R-Matrix-DDR3L-Chrome-GB-Flash-Chromebook-Quad-core-32-11-Touchscreen-TFT-OS-Color-LCD-Core-Acer-Active-11-6-4-6-GH/739832295?athcpid=739832295&athpgid=athenaItemPage&athcgid=null&athznid=PWVUB&athieid=v0&athsti...
by Toons
Sat Jul 13, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2229

Re: Want a 2 in 1 laptop

Acer Chromebook Touchscreen https://www.walmart.com/ip/1-60-N3160-Memory-Celeron-4-Intel-R-Matrix-DDR3L-Chrome-GB-Flash-Chromebook-Quad-core-32-11-Touchscreen-TFT-OS-Color-LCD-Core-Acer-Active-11-6-4-6-GH/739832295?athcpid=739832295&athpgid=athenaItemPage&athcgid=null&athznid=PWVUB&athieid=v0&athsti...
by Toons
Sat Jul 13, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating on an RV
Replies: 37
Views: 2003

Re: Negotiating on an RV

They need to make a profit Make a "Reasonable"Offer" After they have delivered their numbers to you, After. The last one I purchased I was polite but I let the salesman know he was allowed one trip to the sales managers office,no more, Otherwise I would politely get up shake his hand and leave. The ...
by Toons
Sat Jul 13, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Sending an eCard For Birthday
Replies: 12
Views: 873

Re: Sending an eCard For Birthday

Take a Picture
Of something Special
Send it
With A Message
:happy
by Toons
Fri Jul 12, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: What would you charge if you were a FA?
Replies: 29
Views: 1955

Re: What would you charge if you were a FA?

I would charge
"Nothing'


:)
by Toons
Fri Jul 12, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 7970

Re: Who cuts your hair? And for how much?

My wife
since 1993
I make dinner

:D
by Toons
Fri Jul 12, 2019 1:39 pm
Forum: Personal Investments
Topic: Should I sell?
Replies: 7
Views: 740

Re: Should I sell?

Trust Your Gut :idea: My gut isn't telling me anything. I generally dislike strongly rising markets and distrust them. I am most at home when stock prices fall sharply because I am still young. So I am feeling a little disturbed now. But I also know that investment theory shows that people tend to ...
by Toons
Fri Jul 12, 2019 11:56 am
Forum: Personal Investments
Topic: Should I sell?
Replies: 7
Views: 740

Re: Should I sell?

Trust Your Gut
If You Sell ,
Don't Waste Time
"Looking back"



:idea:
by Toons
Thu Jul 11, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 69
Views: 7782

Re: Survived the First Week [of retirement, what's next?]

Start Walking
10k steps a day
While you are figuring out what you really want to do
:mrgreen: :mrgreen:
by Toons
Thu Jul 11, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2333

Re: Grill Mat

Grill Mat
Been using them several years.
Fantastic.

https://www.amazon.com/gp/product/B00KU ... UTF8&psc=1



:mrgreen:
by Toons
Sat Jul 06, 2019 2:43 pm
Forum: Personal Investments
Topic: Do I need a financial advisor to protect myself from myself?
Replies: 46
Views: 3695

Re: Do I need a financial advisor to protect myself from myself?

<r><QUOTE author="Dr. Long" post_id="4614439" time="1561673476" user_id="149587"><s>[quote="Dr. Long" post_id=4614439 time=1561673476 user_id=149587]</s> Hello everyone. I know that mathematically it makes sense for me to fire my financial advisor. I know how to fire my financial advisor. But I cont...
by Toons
Sat Jul 06, 2019 10:37 am
Forum: Personal Investments
Topic: Vanguard Wellsley
Replies: 23
Views: 3442

Re: Vanguard Wellsley

I use a combination of total bond, investment bond index, and Wellesley in my IRA. It works out to 18% stock and 82% bonds, but the Wellesley gives the IRA a little kick in returns when pared with the 2 bond funds. A wise man on this forum told me that it is a great fund to just leave alone and let...
by Toons
Mon Jul 01, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: anyone in the market for a lawn tractor?
Replies: 31
Views: 1900

Re: anyone in the market for a lawn tractor?

Let It Pull You,
Just bought this (self propelled)
Game changer :happy

https://www.ryobitools.com/40v-mowers/self-propelled/
by Toons
Mon Jul 01, 2019 6:24 am
Forum: Investing - Theory, News & General
Topic: Is anyone else worried about tech becoming too big/overvalued?
Replies: 54
Views: 4210

Re: Is anyone else worried about tech becoming too big/overvalued?

Nope
I have zero control over it.
Worry?
Waste of Precious Energy
:idea:
by Toons
Mon Jul 01, 2019 6:23 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman's view on the stock market
Replies: 27
Views: 4015

Re: Ric Edelman's view on the stock market

Everybody Has An Opinion
:mrgreen:
by Toons
Sat Jun 29, 2019 4:25 pm
Forum: Personal Investments
Topic: Spend IRA Dividends?
Replies: 12
Views: 645

Re: Spend IRA Dividends?

Enjoy the money
Pay the taxes
I am
:mrgreen:
by Toons
Sat Jun 29, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Can't delete or rename file
Replies: 17
Views: 1080

Re: Can't delete or rename file

by Toons
Fri Jun 28, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Managing Debt - Tracking & Analysis
Replies: 17
Views: 1183

Re: Managing Debt - Tracking & Analysis

Quicken for decades
Downloads Every transaction in my financial life
Instant reports etc,etc,
Cost basis,,cap gains estimator ,,,taxes
On and On ,,,
Minimal amount of time
I know of no other way to manage my financial life
(No debt to manage)
:mrgreen:
by Toons
Fri Jun 28, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: how much to finance a new car at .9%
Replies: 57
Views: 3862

Re: how much to finance a new car at .9%

onourway wrote:
Fri Jun 28, 2019 6:19 am
Spread is not enough to make dealing with a car loan worth it. Pay it all in cash.

Triple Ditto
:mrgreen:
by Toons
Fri Jun 28, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: What do you hold in your IRA and Why?
Replies: 48
Views: 3336

Re: What do you hold in your IRA and Why?

Growth Mutual Funds
Why?
For Growth Of Capital,


:happy
by Toons
Fri Jun 28, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: Hitting Critical Mass and then dealing with those feelings of Surreal
Replies: 51
Views: 6390

Re: Hitting Critical Mass and then dealing with those feelings of Surreal

Critical Mass
Affords One,,
Many Options
In Life
One Of Which Is To
"Give Back"
In some fashion with your time or
Money
by Toons
Thu Jun 27, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else unable to afford a home/have six figure income?
Replies: 60
Views: 7177

Re: Anybody else unable to afford a home/have six figure income?

Owning a home for us was like anything else- figuring out the process. We were married in the early 80’s and we still live in California. We were at that time in a high cost area and still are. We did a lot of very serious lifestyle changes, eliminated all personal debt, and spent only on needs, no...
by Toons
Wed Jun 26, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting/Expense tracking
Replies: 31
Views: 1616

Re: Budgeting/Expense tracking

Quicken
For Life
:happy
by Toons
Tue Jun 25, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Dental implant... almost done!
Replies: 53
Views: 3517

Re: Dental implant... almost done!

dm200 wrote:
Tue Jun 25, 2019 1:54 pm
Without getting too far into the weeds of the forbidden medical information/advice -- I believe it is well documented that bad dental health has bad overall health consequences, while good dental health has positive overall health consequences.

Bingo :happy
by Toons
Tue Jun 25, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12741

Re: How did you lower your annual expenses?

Budget
Quicken.
When purchasing
Do I want It or
Do I Need It




:idea:
by Toons
Tue Jun 25, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 8933

Re: Frugal or cheap?

gt5550 wrote:
Sat Jun 22, 2019 2:54 pm
Home is 3 bed, 1400 sq.ft no kids but hope to have a couple kids. Dont need it, but it would be nice to have some extra space
2 People
Plenty of space
Use some patience,
Once the decision to have children comes to the forefront,
Then consider
Sit tight,
Keep socking the money away
:happy
by Toons
Tue Jun 25, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 84
Views: 5708

Re: Lease vs Buying a Car

I have not crunched the numbers when it comes to leasing,
I just prefer to own the vehicle,
It is mine ,to do as I please
No restrictions
less to think about.


:idea:
by Toons
Tue Jun 25, 2019 10:31 am
Forum: Personal Investments
Topic: Retired: Don't want to outlive my funds
Replies: 62
Views: 6588

Re: Retired: Don't want to outlive my funds

TomatoTomahto wrote:
Tue Jun 25, 2019 9:09 am
Based on what you’ve written, what I would do in your situation is: Relax.

You might not maximize your returns, but I think you’ll be okay.


Bingo :happy
by Toons
Mon Jun 24, 2019 8:17 am
Forum: Personal Investments
Topic: Div Reinvest When Starting Withdrawals?
Replies: 6
Views: 643

Re: Div Reinvest When Starting Withdrawals?

Ironic you mentioned that
I have been reinvesting capgains and dividends In IRAs for decades.
Just started to take all divs and capgains in cash and deposited in taxable account.
I am 68
Is it necessary for me
No,but
It is time .

:mrgreen:
by Toons
Sun Jun 23, 2019 5:06 pm
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 41
Views: 4647

Re: Reinvesting Dividends or no

Reinvesting An essential tenant in creating wealth. Compounding is magical. Max out the tax deferred,tax free upon withdrawal accounts. I reinvested for over 35 years Taxable and Retirement accounts. Taxes were not an issue in taxable account as the investment firm does the cost basis recordkeeping ...
by Toons
Sun Jun 23, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7511

Re: How do you approach tipping at carry-out restaurants

Pick Up?
Which is rare,
I don't
:mrgreen:
by Toons
Sat Jun 22, 2019 11:50 am
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 45
Views: 3758

Re: Getting caught up in minutia of investing-How to make things simple

Everyday I spend multiple hours reading on this forum. I thoroughly enjoy it, but then I wonder what is more important at the end of the day the fact that you put money away consistently or whether it was Roth or tax deferred. Which debt to tackle first vs just making strides to get something paid ...
by Toons
Sat Jun 22, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: how do you manage your cash flow in retirement
Replies: 28
Views: 3461

Re: how do you manage your cash flow in retirement

Quicken Software.(Planning)
Txt alerts regarding spending.
Monitor accounts online.
Move funds around.
We travel
Everything is auto debit.
No need for brick and mortar visit.
:idea:
by Toons
Sat Jun 22, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 111
Views: 16453

Re: How do Bogleheads buy cars?

Email
Send me the quotes
Out the door
3 dealerships
Make a choice
Pay cash
:idea:
by Toons
Thu Jun 20, 2019 3:18 pm
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 89
Views: 7384

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

abuss368 wrote:
Tue Jun 18, 2019 8:35 pm
What about building a large enough portfolio that one can live off the cash flows from dividends?
Bingo!
You hit the nail square on the head.
:mrgreen: :mrgreen:
by Toons
Thu Jun 20, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 14468

Re: Good times: 2008 vs Now

Keep The Debt To a Bare Minimum
At your age
Vanguard Total Stock Market
Hope for a extended bear markets along the journey.
Keep investing .
:mrgreen:
by Toons
Thu Jun 20, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49247

Re: Why are you NOT buying rental properties?

They have given me headaches in the past,
Don't need them at this stage of the journey,

:mrgreen: