Search found 12869 matches

by Toons
Tue Sep 25, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Using 401k loans to max tax advantaged accounts early in career
Replies: 27
Views: 1570

Re: Using 401k loans to max tax advantaged accounts early in career

Borrow Nothing.(health care emergency yes)
401k designed for retirement.
Treat it as such.
Max it
Don't touch it.
:mrgreen:
by Toons
Tue Sep 25, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8225

Re: Minimalist Lifestyle

George Carlin explains it very well :happy
https://www.youtube.com/watch?v=MvgN5gCuLac
by Toons
Tue Sep 25, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 61
Views: 3261

Re: Oil change interval for low-mileage vehicles

Low mileage
annual
:happy
by Toons
Fri Sep 21, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 120
Views: 5622

Re: My Very First Smartphone — Please Critique This Plan

Straight Talk S9+ 699.00 100 off if you purchase a plan https://shop.straighttalk.com/shop/en/straighttalk/phones/st-samsung-galaxy-s9?gclid=Cj0KCQjwrZLdBRCmARIsAFBZllHd_69IbdWLCsXafyXDYoHY2CjPBcIInlnIz4Ko3cvemb8Pxm0OO-0aArQREALw_wcB&gclsrc=aw.ds They have several plans to choose from. I purchased a...
by Toons
Fri Sep 21, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5252

Re: State Farm nickel-and-diming me

135.00?
Pay It
1350.00
Now we have something to discuss
:happy
by Toons
Fri Sep 21, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 26
Views: 1818

Re: Recommend a To-do app please.

Let Alexa remind you.
Or Google.
:happy
by Toons
Fri Sep 21, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 1961

Re: New car - 0% loan or $500 rebate

am inclined to pay cash and be done with it since the numbers are so close

The right idea in my opinion :happy
by Toons
Wed Sep 19, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 136
Views: 7842

Re: Physical Banking - Any benefits anymore?

There are several brick and mortar banks in our area that have closed.
Suntrust closed 2.
That should say something. :happy
by Toons
Tue Sep 18, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1497

Re: Inexpensive source for greeting cards?

I have been sending them(free) email for years.
:happy

https://www.123greetings.com/
by Toons
Tue Sep 18, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 97
Views: 7003

Re: Leasing Cars in Retirement

I don't know if it is good or bad
I buy.
Cash.




:happy
by Toons
Tue Sep 18, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Chasing Mutual Fund Performance - Follow the Momentum?
Replies: 5
Views: 488

Re: Chasing Mutual Fund Performance - Follow the Momentum?

"Put another way: Performance chasing works." For Real? :shock: Yes, according to the article, if you "select[] mutual funds based on their performance over the previous 12-months," rebalance your portfolio every month, and ignore transaction costs. But if you "select[] funds based on their three-y...
by Toons
Mon Sep 17, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Chasing Mutual Fund Performance - Follow the Momentum?
Replies: 5
Views: 488

Re: Chasing Mutual Fund Performance - Follow the Momentum?

"Put another way: Performance chasing works."

For Real? :shock:
by Toons
Mon Sep 17, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6769

Re: Is there such thing as saving TOO much?

If you are
"Content"
Don't change a thing.
If you don't want to spend some of your money,
Consider a charity of your choice
:happy
by Toons
Mon Sep 17, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2982

Re: Anyone hire an interior designer?

Nope,
My wife and I do a great job ourselves.
:happy
by Toons
Mon Sep 17, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3117

Re: Vanguard Personal Advisor - .33%

"The funds automatically rebalance regularly"
Exactly
I might be missing something.
I own mutual funds with the idea of holding them for decades,
I never have "traded" mutual funds.
Personally I don't see whats to manage for me.
:happy
by Toons
Sat Sep 15, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5060

Re: The twenty dollar rule revisited

Strict Budget In Quicken
Lived beneath our means.



:happy
by Toons
Fri Sep 14, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3803

Re: Is home alarm monitoring worth it?

Depends on where you live.
:happy
by Toons
Fri Sep 14, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to overcome regrets/fears?
Replies: 15
Views: 1444

Re: How to overcome regrets/fears?

Experience is just applied failure
Think About It :happy
It makes life interesting and challenging.
by Toons
Fri Sep 14, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3544

Re: Should I get a new iPhone?

Get the phone
Enjoy It
You can afford it.

:happy
by Toons
Fri Sep 14, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3123

Re: Pay off 3.125% 152k mortgage early?

fishandgolf wrote:
Fri Sep 14, 2018 12:05 pm
Toons wrote:
Fri Sep 14, 2018 8:10 am
Pay it off as fast as you can,
Laser like focus.
+1000......

You 're asking this question because you hate debt.....me too. We paid ours off early also......there is no better feeling than having zero debt....

Pay it off.......at WARP SPEED!!!

:sharebeer
:sharebeer :sharebeer
by Toons
Fri Sep 14, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2497

Re: Paying down mortgage vs investing

Strive to become "debt free"
Including mortgage.
Once you get there,
If being debt free doesn't suit you.
Borrow money,
:happy
by Toons
Fri Sep 14, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3123

Re: Pay off 3.125% 152k mortgage early?

Pay it off as fast as you can,
Laser like focus.




:happy
by Toons
Thu Sep 13, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10026

Re: Massive Student Loan Debt - Fiancee

The number one reason for divorce?
Differences in beliefs and management of finances.
Just Sayin...
:shock:
by Toons
Thu Sep 13, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2854

Re: Do you use social media to enhance your travel experience?

We travel in a Class B RV.
I take a lot of photos with my phone and a Sony camera.
I post the photos to Google Maps.
As of now I have over 3 million "views" of the photos of various sites,,businesses,landscapes etc. that I have posted.
I like sharing pictures .
:happy
by Toons
Thu Sep 13, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2495

Re: Anyone into Essential Oils?

I use the AirWick plug ins from Sams.
They smell great.
Allergies?
Equate Brand Loratadine.
:mrgreen:
by Toons
Thu Sep 13, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: What do I do with my investments during a downturn/recession?
Replies: 24
Views: 2775

Re: What do I do with my investments during a downturn/recession?

TwstdSista wrote:
Thu Sep 13, 2018 6:05 am
At the risk of sounding like a broken record "Stay the Course".

Keep investing (and invested) during a downturn and ignore the noise.

Bingo :happy
by Toons
Mon Sep 10, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: As a low-cost person...
Replies: 14
Views: 1258

Re: As a low-cost person...

If spending money on some "niceties" for yourself or someone else and or charity would bring you pleasure then Do It. What are you livin for? :happy :beer I just don't think my pleasure comes from "niceties" or anything materialistics . :greedy :greedy :greedy Life would have been easier. :oops: Ke...
by Toons
Mon Sep 10, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in 5G Wireless
Replies: 44
Views: 2438

Re: Investing in 5G Wireless

5g will be a game changer
Hop On Board when able.
:D

http://fortune.com/2018/04/12/5g-technology-explained/
by Toons
Mon Sep 10, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 72
Views: 5831

Re: Amazon Prime - Value?

Yes indeed.
No problems.
Video ,prime music are enough to make it worthwhile for us.
119 a year?
I consider it a bargain.
:happy
by Toons
Mon Sep 10, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: One bond fund is enough?
Replies: 16
Views: 1688

Re: One bond fund is enough?

" I want to keep it as simple as possible"

Total Bond would suffice for me,,then again
I do not know your financial situation and I am not
a financial advisor(other than for advising myself and family members) :D
by Toons
Mon Sep 10, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: As a low-cost person...
Replies: 14
Views: 1258

Re: As a low-cost person...

If spending money on some "niceties" for yourself or someone else and or charity would bring you pleasure then
Do It.
What are you livin for?

:happy
by Toons
Mon Sep 10, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 17119

Re: Why Bull Markets Are Dangerous

After any trend continues for more than 5 years,
The brain starts to consider it the "Norm"

:happy
by Toons
Thu Sep 06, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4663

Re: To Be or Not to Be...Married

Agree The Heart not the Head.
:happy
by Toons
Thu Sep 06, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Are the stock market movements really random?
Replies: 37
Views: 2817

Re: Are the stock market movements really random?

Short term yes
long term No
Up
:mrgreen:
by Toons
Thu Sep 06, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 3946

Re: Gentlemen: underwear shopping question

Sams Club for me
:mrgreen:
by Toons
Thu Sep 06, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2593

Re: How do you handle Healthcare costs in retirement

Me Medicare +Supplemental Plan 120.00 per month mutual of Omaha
Spouse -Retiree health insurance plan until Medicare age.
:happy
by Toons
Tue Sep 04, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9712

Re: What will you do when you find you have more money than expected?

Buy what we desire
Leave what is left to family and charity.
:happy
by Toons
Tue Sep 04, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6354

Re: Emergency fund size

25k
:happy
by Toons
Mon Sep 03, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra cash flow each month?
Replies: 18
Views: 1115

Re: What to do with extra cash flow each month?

Taxable Account
Vanguard Balanced Index Fund.
( I know,,bonds and taxes.) :mrgreen:
by Toons
Sat Sep 01, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Are CDs considered an investment?
Replies: 75
Views: 3969

Re: Are CDs considered an investment?

Certificate Of Depreciation

:wink:
by Toons
Sat Sep 01, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Anyone investing in Municipal bonds ?
Replies: 46
Views: 3154

Re: Anyone investing in Municipal bonds ?

Ditto VWITX :happy Just out of curiosity, why not VWAHX ? High yield munis (and corporates) don't get much support around here. Most seem to feel that taking risk on the equity side is a better move. But if you're in an income/asset situation that puts you into a high tax bracket it seems to me tha...