Search found 11972 matches

by Toons
Thu Nov 23, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 151
Views: 10019

Re: Why not take Social Security at 62

I never considered NOT not taking SS when I turned 62. That was 5 years ago. Thoroughly enjoyed the funds.. :happy I'am with ya Toons........never hesitated for a momen; 62.... then on the way to enjoy early retirement......or should I say....enjoy retirement while my bones still hold up! :sharebee...
by Toons
Thu Nov 23, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 128
Views: 13094

Re: Chromebooks- What is the lure?

The Lure?
Overall Simplicity.
:happy
by Toons
Wed Nov 22, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5471

Re: How much do you budget for vacation?

lthenderson wrote:
Wed Nov 22, 2017 2:00 pm
Toons wrote:
Mon Nov 20, 2017 5:49 pm
"Hundreds" Of Dollars.
+1

We typically vacation away from people and civilization which means there isn't a lot of ways to spend money while on the vacation.

Bingo :happy
by Toons
Wed Nov 22, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected drop in fund
Replies: 8
Views: 1020

Re: Unexpected drop in fund

Good Old Capital Gains Distributions. :happy
by Toons
Wed Nov 22, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 151
Views: 10019

Re: Why not take Social Security at 62

I never considered NOT not taking SS when I turned 62.
That was 5 years ago.
Thoroughly enjoyed the funds..
:happy
by Toons
Wed Nov 22, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 58
Views: 3287

Re: Best Basic DESKTOP?

Asus :happy
by Toons
Wed Nov 22, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 122
Views: 7513

Re: What are the things you want to do between 55 and 65?

quantAndHold wrote:
Tue Nov 21, 2017 1:18 am
Toons wrote:
Mon Nov 20, 2017 5:56 pm
Always wanted to travel the United States Of America in a class B -RV.
Accomplished.

:happy
This is my work in progress.
Belive ,Acheive,Succeed :sharebeer
by Toons
Wed Nov 22, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do you define success in your life?
Replies: 46
Views: 1796

Re: How do you define success in your life?

Peace and Comfort between the "ears".

:happy :happy
by Toons
Mon Nov 20, 2017 6:17 pm
Forum: Investing - Theory, News & General
Topic: Book for new college graduate
Replies: 19
Views: 1136

Re: Book for new college graduate

My favorite for such folks is Andrew Tobias's The Only Investing Guide You'll Ever Need, originally published over 30 years ago and revised somewhat every 3 or 4 years since then. Short, a fun read, and lots of very sound, useful advice on saving and investing. Available from Amazon for about $15. ...
by Toons
Mon Nov 20, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Suggestions
Replies: 26
Views: 1662

Re: Honeymoon Suggestions

Outer Banks Of North Carolina.
Hatteras Island and South.

:mrgreen:
by Toons
Mon Nov 20, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 122
Views: 7513

Re: What are the things you want to do between 55 and 65?

Always wanted to travel the United States Of America in a class B -RV.
Accomplished.







:happy
by Toons
Mon Nov 20, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 52
Views: 3540

Re: Tax Returns - How Long Do you Keep?

I have the last 10 years stored in digital format.(No paper)
No need to discard ,they don't take up very much space


:mrgreen: :mrgreen:
by Toons
Mon Nov 20, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5471

Re: How much do you budget for vacation?

"Hundreds" Of Dollars.



:mrgreen:
by Toons
Mon Nov 20, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Do you record customer service interactions?
Replies: 23
Views: 1146

Re: Do you record customer service interactions?

Like others,
I like the chat services,
If able I request the chat transcript.
Most of the time it works.




:)
by Toons
Mon Nov 20, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 32
Views: 3359

Re: Spending Taxable to Zero during Retirement

We are retired.
We have not "lit the match"(burned)
any of our taxable or tax deferred investments as of yet.
As of today No idea when that may start.





:mrgreen:
by Toons
Mon Nov 20, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at the top
Replies: 19
Views: 1330

Re: Investing at the top

Invest(that word indicates at bare minimum 10 years) at the top ,bottom,middle,whatever.
Put the compounding machine to work for you ASAP.
Do yourself a favor and ignore the daily numbers :-)
by Toons
Mon Nov 20, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 34
Views: 2059

Re: service life of (walk behind) lawn mower?

I clean the air filter,,,wash it thoroughly,
Change plug,
Change filter,
Every season,
Mowers last for years 10 minimum :happy
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: 221
Views: 13029

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: 61
Views: 5183

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: 105
Views: 11288

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: 2883

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: 17
Views: 1554

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: 4317

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: 662

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: 4513

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: 649

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: 3453

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: 1795

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: 5206

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: 46
Views: 2653

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: 5731

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: 5731

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: 856

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: 179
Views: 14750

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: 1831

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: 4704

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: 2477

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: 9695

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: 4010

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: 6793

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: 1425

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: 654

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: 6507

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: 832

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: 4791

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: 2073

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