Search found 13243 matches

by Toons
Tue Jun 25, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 104
Views: 7771

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: 25
Views: 840

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: 26
Views: 1393

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: 559

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: 33
Views: 2966

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: 7130

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: 44
Views: 3284

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: 3353

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: 16250

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: 6979

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: 85
Views: 8459

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: 522
Views: 42894

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:
by Toons
Mon Jun 17, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 321
Views: 37337

Re: How Bad was 2008, really?

Was It Life
Or Death? :idea:
by Toons
Mon Jun 17, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3150

Re: Doing Your Own Taxes

The cost of having someone else do our taxes keeps going up. It was $350 this year. It seems like a good idea to do our own, especially so now that we are using the higher standard deduction rather than itemizing. Any suggestions for the best way to prepare our own taxes? My biggest fear is that I'...
by Toons
Mon Jun 17, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 31
Views: 1971

Re: Help with car decision

I would look at a Honda Fit. Save some :moneybag :moneybag https://automobiles.honda.com/fit?experience=shop&ef_id=1:1:1&CID=SEARCH_HRM_GOOGLE_EVERGREEN_MY19FIT_SHOPPERS&gclsrc=aw.ds&ds_rl=1247265&ds_rl=1247265?gclid=Cj0KCQjw9JzoBRDjARIsAGcdIDUJ5viDOvTC8lkdOQSRuQ7qMchW7ZIakIC8OxcvC8swCmPQQIM821UaAiH...
by Toons
Mon Jun 17, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4453

Re: 40+% increase in auto policy (GEICO) - normal?

My homeowners went down..
Geico auto about the same as last year
2018 Class B RV
2018 Civic Touring
660.00
Every six months
by Toons
Mon Jun 17, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 3774

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

I have been wearing glasses for decades,
My last pair,
Trifocals,
Progressive,No line.
Transistion lens(darken automatically)
Nikon lenses digitally cut,thin.The best they offer
Titanium frames
480.00
Purchased another pair at the same time
20% off,384.00
WALMART
More than pleased.

:happy
by Toons
Mon Jun 17, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 90
Views: 4999

Re: How to avoid high vet bills?

dm200 wrote:
Mon Jun 17, 2019 9:19 am
Be willing to "replace" the dog sooner - and do not spend much at all on vet bills.

I grew up on a farm - and most folks had dogs - BUT spent very little on vet bills.

Usually cheaper to replace the dog than spend a lot on these vet bills.


+1
:happy
by Toons
Sun Jun 16, 2019 9:42 am
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 50
Views: 4854

Re: Should I invest 100k into a total index or do it slowly

All In
Time ,we all only have so much(and we don't know how long)
Not Timing
As you said ,
put the compounding machine to work
It doesn't need sleep,
You do
ASAP :happy
by Toons
Tue Jun 11, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Checking vs Capital One 360 Checking
Replies: 16
Views: 1481

Re: Ally Checking vs Capital One 360 Checking

Started with "Ing Orange" in 2004,now cap 360
Never looked around,
Just pleased.
:happy
by Toons
Tue Jun 11, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 846
Views: 85517

Re: What frugal thing did you do today?

dpc wrote:
Sun Dec 24, 2017 12:47 pm
I didn't buy a new car today (again).


Excellent :sharebeer LOL
by Toons
Tue Jun 11, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: Best day of the month to invest?
Replies: 41
Views: 4470

Re: Best day of the month to invest?

How many days do you have on this earth?
Any day,
The quicker the better.
The clock is ticking
If you miss a day,,,,
One less day of having the compounding machine
Work For YOU
:happy
by Toons
Tue Jun 11, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Sudden Debt - best strategy to pay off? (30k total)
Replies: 20
Views: 2082

Re: Sudden Debt - best strategy to pay off? (30k total)

Change spending behavior.
Stop using credit cards.
Use a budget,
Live beneath your means.
Make it tough on yourself.
Hard discipline.
Apply every hard earned penny and savings to eliminating the debt.
Knock It "Out".
No excuses
20k car loan? :confused

:sharebeer
by Toons
Tue Jun 11, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Shopping insurance? How often?
Replies: 15
Views: 928

Re: Shopping insurance? How often?

I don't
Geico
I am satisfied.







:idea:
by Toons
Tue Jun 11, 2019 9:09 am
Forum: Investing - Theory, News & General
Topic: The collapse of Neil Woodford
Replies: 21
Views: 3380

Re: The collapse of Neil Woodford

Never heard of him


:mrgreen:
by Toons
Tue Jun 11, 2019 9:08 am
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2610

Re: Cash to investments

Now
Time
Not Timing







:moneybag
by Toons
Tue Jun 11, 2019 9:06 am
Forum: Personal Investments
Topic: Individual Investment - Please help
Replies: 19
Views: 810

Re: Individual Investment - Please help

Doesn't address your question but ,
Food For thought
Car - $6,000.00
School Loan - $20,121.25


Laser like focus.
Eliminate
:happy
by Toons
Tue Jun 11, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?
Replies: 23
Views: 2230

Re: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?

Brokerage Tracks,
I use Quicken also
No problems whatsoever.
It is fun.
:happy
by Toons
Mon Jun 10, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2434

Re: Laminating important documents - a good idea?

68 years young here,
Never crossed my mind to laminate.
I have all of the mentioned documents in a folder
I am good with that
:happy
by Toons
Sun Jun 09, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Del webb in Florida
Replies: 20
Views: 2481

Re: Del webb in Florida

Naples






:)
by Toons
Sun Jun 09, 2019 6:07 pm
Forum: Personal Investments
Topic: 1.5 millon in cash to invest
Replies: 22
Views: 2425

Re: 1.5 millon in cash to invest

Wait until you KNOW what you want to do
On a side note
"Time not Timing"
:happy
by Toons
Sun Jun 09, 2019 3:09 pm
Forum: Personal Investments
Topic: Receiving windfall and not sure what to do
Replies: 26
Views: 3681

Re: Receiving windfall and not sure what to do

Use patience and take your time,
All the time you need to make the right decisions for yourself.
It can take a year minimum to sort out financial matters of a loved one.
:thumbsup
by Toons
Sun Jun 09, 2019 1:26 pm
Forum: Investing - Theory, News & General
Topic: Fees and Front-end load sales charges
Replies: 2
Views: 260

Re: Fees and Front-end load sales charges

Load funds are fine for some people,,,
I wouldn't "Argue"
Just saying,
Wish em well.
Carry On
:mrgreen:
by Toons
Sun Jun 09, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17549

Re: Are You Dumping Netflix?

No antennas for our "TVs."
I have renamed them
"Streamers "
Streamer 1,2,3
It is easy for Alexa to recognize,,,
Alexa turn on Streamer 1
:mrgreen:
by Toons
Sat Jun 08, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Paydown Mortgage in Chunks or Monthly?
Replies: 7
Views: 999

Re: Paydown Mortgage in Chunks or Monthly?

Pay it off in the least amount of "Time"
As possible.
Get it done. :mrgreen:
by Toons
Sat Jun 08, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: How did you adjust to your kids moving out?
Replies: 11
Views: 1044

Re: How did you adjust to your kids moving out?

We downsized
Small home,
Donated a lot of stuff,
Gave it away,
Smooth transition,,,
as we were prepared
:happy
by Toons
Sat Jun 08, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Lodging and restaurants in Boone, NC.
Replies: 21
Views: 1386

Re: Lodging and restaurants in Boone, NC.

For me ,,
the best viewing of the parkway is from Boone,Blowing Rock ,,,heading south all the way to the smokies,,,
Elevations tend to drop moving north from Boone
Stunning views
:happy
by Toons
Sat Jun 08, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Lodging and restaurants in Boone, NC.
Replies: 21
Views: 1386

Re: Lodging and restaurants in Boone, NC.

EdNorton wrote:
Sat Jun 08, 2019 9:49 am
Toons wrote:
Sat Jun 08, 2019 8:57 am
If you get a chance ,
Stop here. :happy

Image
Is that on :happy the Blue Ridge Parkway?
Yes Ed 55 miles from Blowing Rock,
I live not far from the parkway..
Traveled it a lot
by Toons
Sat Jun 08, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Lodging and restaurants in Boone, NC.
Replies: 21
Views: 1386

Re: Lodging and restaurants in Boone, NC.

If you get a chance ,
Stop here. :happy

Image
by Toons
Fri Jun 07, 2019 8:01 am
Forum: Personal Investments
Topic: $10,200 Gross commission Check... What would you do with it?
Replies: 31
Views: 3257

Re: $10,200 Gross commission Check... What would you do with it?

Pay off all the debt.
save or invest what is left over.
:happy
by Toons
Fri Jun 07, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Routing your social security check to another bank
Replies: 3
Views: 367

Re: Routing your social security check to another bank

bob60014 wrote:
Fri Jun 07, 2019 7:46 am
The info is on the SSA webesite.

"If you already are receiving benefits, you can create a my Social Security account and start or change Direct Deposit online."


https://www.ssa.gov/deposit/index.htm

Excellent :sharebeer
by Toons
Thu Jun 06, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4905

Re: Schick Extreme 3

I buy "Schick Xtreme3 Disposables Razors Sensitive Vitamin E & Aloe, Green - Lot of 30 - Bulk Packaging - $23.95". That is 80¢ each. I shave in the shower. I rinse the razor thoroughly and hang it up. One razor = one month. https://www.cvs.com/bizcontent/merchandising/productimages/large/1254700120...
by Toons
Thu Jun 06, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Debt: Student loan or cabin
Replies: 36
Views: 2808

Re: Debt: Student loan or cabin

Posting for my brother and his new wife! Their goal is to reduce debt aggressively before purchasing a home and starting a family. Recently married with combined income in low 200k range. Student loans: 90k @ 5.8% Lake cabin: 175k @ 4.2% Cash savings 80k I advised to tackle highest interest debt fi...
by Toons
Wed Jun 05, 2019 2:15 pm
Forum: Investing - Theory, News & General
Topic: Being a conservative investor is not always a bad thing
Replies: 30
Views: 2260

Re: Being a conservative investor is not always a bad thing

I got in the market in 1980
I will get out of the market ,
When I leave this earth.
4-6% compounding,
I am grateful.
Anything more
A gift
:mrgreen:
by Toons
Wed Jun 05, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4701

Re: Are we downsizing too much?

Please help with perspective, we’re in a 3000 sq foot home and only bought a home this big, many years who, because we got a great deal...and because we had 3 kids and the home worked perfectly for us. We used every inch. The kids are now grown and we’re ready to move on. We’re now wondering how mu...