Search found 12809 matches

by Toons
Mon Aug 20, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: How much clothing do you need to get by?
Replies: 13
Views: 958

Re: How much clothing do you need to get by?

Retired here. Shoes,,Crocs,,Merrells I make a lot of my own Tie Dye T shirts that I wear all the time in warm weather, Long sleeve cotton "t shirts" A few short sleeve cotton regular white T-shirts A couple golf shirts. 2 short sleeve dress shirts ,,blue and white. A couple pair of dress pants. A fe...
by Toons
Sat Aug 18, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 96
Views: 4282

Re: Your major and investing/finance?

A lot of Common Sense



:thumbsup
by Toons
Sat Aug 18, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2025

Re: Soap for hand washing dishes

Dawn
:happy
by Toons
Fri Aug 17, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 63
Views: 4887

Re: Savings rate per month???

When we were working we aimed for
30-35%,so that,
we would not have to save in retirement.
:mrgreen:
by Toons
Fri Aug 17, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 122
Views: 6727

Re: Take auto loan 0.9% if I can afford cash?

"Would you take a car loan that you didn’t need?" No, Pay cash move on Don't think about a loan Enjoy the new ride :mrgreen: :mrgreen: I agree. Don t borrow money to buy a car. After taxes , the return on the loan amount invested in cd s will be about .5% annually. One half a percent of the price o...
by Toons
Fri Aug 17, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 2881

Re: Switch to auto lease after retirement?

We have always paid cash for our cars and driven them for 6 to 8 years. I retired a couple of years ago and I'm getting ready to replace my car and I was intrigued by low lease rates currently advertised. I did the arithmetic of comparing my total out of pocket costs (purchase price minus sale/trad...
by Toons
Thu Aug 16, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 2875

Re: Celebrating the day you retired

First 2 things that morning
Coffee,,,Bogleheads
Not much has changed


:mrgreen:
by Toons
Thu Aug 16, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 122
Views: 6727

Re: Take auto loan 0.9% if I can afford cash?

"Would you take a car loan that you didn’t need?" No, Pay cash move on Don't think about a loan Enjoy the new ride :mrgreen: :mrgreen: +1 Some of us just think differently!! :sharebeer :sharebeer +1 Just bought a car with cash payment. Low interest was available, but decided I didn’t want another m...
by Toons
Thu Aug 16, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1561

Re: Mail order pharmacy

I use Humana
:happy
by Toons
Thu Aug 16, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Time for new phone, Buy or Lease?
Replies: 30
Views: 1893

Re: Time for new phone, Buy or Lease?

Buy a phone from Walmart -Straight talk
Iphone,Samsung
Get the unlimited plan
55 a month.
50 the first three months if you autofill.
They reserve the right to check account once you reach
60 gigabytes of data :happy
by Toons
Wed Aug 15, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1469789

Re: U.S. stocks in freefall

Ignorance Is Bliss.
:mrgreen:
by Toons
Wed Aug 15, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 122
Views: 6727

Re: Take auto loan 0.9% if I can afford cash?

dwickenh wrote:
Wed Aug 15, 2018 8:56 am
Toons wrote:
Wed Aug 15, 2018 8:43 am
"Would you take a car loan that you didn’t need?"

No,
Pay cash
move on
Don't think about a loan
Enjoy the new ride
:mrgreen: :mrgreen:
+1 Some of us just think differently!!

:sharebeer
:sharebeer
by Toons
Wed Aug 15, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 57
Views: 4685

Re: Men’s Underwear recommendation

Haynes.
Costco
Sams
Amazon

:mrgreen:
by Toons
Wed Aug 15, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4366

Re: Adult piggy bank

Grt2bOutdoors wrote:
Wed Aug 15, 2018 6:25 am
Toons wrote:
Tue Aug 14, 2018 8:29 pm
I use an empty Folgers Black Silk red plastic coffee container.

:mrgreen:
Now I know where to look :moneybag
LOL Excellent
:sharebeer :sharebeer
by Toons
Wed Aug 15, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 122
Views: 6727

Re: Take auto loan 0.9% if I can afford cash?

"Would you take a car loan that you didn’t need?"

No,
Pay cash
move on
Don't think about a loan
Enjoy the new ride
:mrgreen: :mrgreen:
by Toons
Tue Aug 14, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7305

Re: Retire in Florida or Alabama?

The Panhandle Of Florida.


:mrgreen: :mrgreen:
by Toons
Tue Aug 14, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4366

Re: Adult piggy bank

I use an empty Folgers Black Silk red plastic coffee container.

:mrgreen:
by Toons
Tue Aug 14, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3107

Re: Best consumer products - made in USA

Honda
Marysville Ohio

:mrgreen:
by Toons
Sun Aug 12, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5904

Re: how much car can we afford?

You know what you can afford.
Purchase it.
Enjoy
:mrgreen:
by Toons
Sun Aug 12, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4819

Re: How often do you check your brokerage accounts

Mutual Fund Account here.
Maybe once a month...

:happy
by Toons
Sat Aug 11, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 5054

Re: Preparing for a bear market

No One knows what the future of the financial markets holds.
Find your sleep well asset allocation point and ,,,,
Sleep Well.

:mrgreen:
by Toons
Fri Aug 10, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4587

Re: Should I pay 6000.00 to repair wife's car....

A few things to think about. A Car a piece of machinery, Lots of parts ,that is a mode of transportation The emotional side.... It varies widely from owner to owner . To some it is a love affair ,to others expendable machinery. Don't know what is wrong with it or what stage of life you are in , but ...
by Toons
Fri Aug 10, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4690

Re: Medicare Supplement Companies

Plan G
Mutual of Omaha for me.
3 years
No complaints.
:happy
by Toons
Fri Aug 10, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6275

Re: Paper checks yes or no?

No checks
Use billpay by check.
I have one check a year.
Cap360 mails the check.

"Set up 360 Checking Bill Pay and save on time, money and writer’s cramp."

https://www.capitalone.com/bank/360checking-guide/
:happy
by Toons
Thu Aug 09, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4192

Re: Would you pay this mortgage off?

Perfect. Debt is a ball and chain when it comes to wealth creation :mrgreen: :mrgreen: I'd pay it off too. I think a lot of recency bias around here. Market looks great and the housing market is roaring. Keeping a mortgage and investing looks like a no brainer. Any money past maxxing out tax deferr...
by Toons
Thu Aug 09, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for low risk Vanguard fund
Replies: 15
Views: 1123

Re: Looking for low risk Vanguard fund

Vanguard Lifestrategy Income





:happy
by Toons
Thu Aug 09, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24323

Re: most compelling TV character ever

Barney Fife
:mrgreen: :mrgreen:
by Toons
Thu Aug 09, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4192

Re: Would you pay this mortgage off?

I would if it were my mortgage No doubt :happy Ditto. That is if you are maximizing your tax sheltered opportunities. Others disagree but in my view debt is debt. Don't owe anything to anybody if you can help i t. Perfect. Debt is a ball and chain when it comes to wealth creation :mrgreen: :mrgreen...
by Toons
Thu Aug 09, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Have you rebalanced to bonds this year?
Replies: 25
Views: 2178

Re: Have you rebalanced to bonds this year?

Not personally but
I think the Target Date Fund we own has.
:happy
by Toons
Thu Aug 09, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4192

Re: Would you pay this mortgage off?

I would if it were my mortgage No doubt :happy Ditto. That is if you are maximizing your tax sheltered opportunities. Others disagree but in my view debt is debt. Don't owe anything to anybody if you can help i t. Perfect. Debt is a ball and chain when it comes to wealth creation :mrgreen: :mrgreen:
by Toons
Tue Aug 07, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage question
Replies: 20
Views: 1785

Re: Mortgage question

I don't know.
Pay as much on the mortgage as often as you can.
Eliminate It
Sooner Than Later

:mrgreen:
by Toons
Tue Aug 07, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Finally sold Pepsi (my baby stock) thanks to you all
Replies: 18
Views: 1868

Re: Finally sold Pepsi (my baby stock) thanks to you all

Congratulations You did excellent. "Since Nooyi became CFO in 2000, the stock has increased about 245 percent, with a higher total return than both the consumer staples sector ETF (XLP) and the S&P 500 overall. An earlier version of this story said the stock increased 411 percent since Nooyi became ...
by Toons
Tue Aug 07, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Market Timing Bonds vs. Money Market with Rising Interest Rates
Replies: 27
Views: 2920

Re: Market Timing Bonds vs. Money Market with Rising Interest Rates

If you think it is a Good Idea then do it.
I wouldn't make a decision on this matter as to what others would do,

:mrgreen: :mrgreen:
by Toons
Tue Aug 07, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Withdrawal for House Down Payment
Replies: 7
Views: 556

Re: IRA Withdrawal for House Down Payment

IRA Means Individual Retirement Account.
I would treat it as such,
Find other monies for down payment,

:happy
by Toons
Tue Aug 07, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Would buy and hold work if Japan's lost decade happens?
Replies: 64
Views: 7563

Re: Would buy and hold work if Japan's lost decade happens?

Yes I think So.
Corporation Earnings Will Continue To Grow.
:mrgreen:
by Toons
Tue Aug 07, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5362

Re: Comfort level with Credit Card Balance

My comfort card credit balance is Zero.
Use one cash back card.
I keep it paid off,
zero,nada,nothing.


:mrgreen:
by Toons
Tue Aug 07, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4192

Re: Would you pay this mortgage off?

I would if it were my mortgage
No doubt
:happy
by Toons
Tue Aug 07, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Is It Really That Difficult to Apply for Social Security Online?
Replies: 13
Views: 967

Re: Is It Really That Difficult to Apply for Social Security Online?

No Not At All.
Applied online 5 years ago.
A breeze.
by Toons
Mon Aug 06, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4604

Re: Dear BH, what are non-BH actions you do?

Buy a new car every couple of years..or less.
:mrgreen:
by Toons
Mon Aug 06, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of contributing to 401k?
Replies: 61
Views: 3934

Re: Pay off mortgage instead of contributing to 401k?

247,000 at this writing. Interest rate is 3.5%.

Pay it off tomorrow if you can.
:happy
by Toons
Mon Aug 06, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6466

Re: "Dollar Tree Store" favorites

counter top cleaners.
:happy
by Toons
Thu Aug 02, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4477

Re: Which diet soda pop do you enjoy?

Coke Zero
Sprite Zero


:happy