Search found 12621 matches

by Toons
Sun May 20, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 76
Views: 4369

Re: What’s your phone/internet bill?

Comcast high-speed (130 down) 79.95 monthly(terabyte of data)
Spouse and I both Use Samsung Smart phones ,Straight talk 10gig data at 4g
45.00 each per month
I use google voice for land line if I need to.
We got rid of landline over 10 years ago,



:mrgreen:
by Toons
Sun May 20, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 104
Views: 6059

Re: Dave Ramsey it or keep low interest debt

Pay off the car
15 year mortgage
Ramsey is correct regarding millionaires.








:happy
by Toons
Sat May 19, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 4979

Re: Finance a $28,000 house for Brother?

Let him figure it out by himself,,
He will be better off.
Character Building.
:happy
by Toons
Fri May 18, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Which AA do people draw from in retirement?
Replies: 17
Views: 1421

Re: Which AA do people draw from in retirement?

So far ,,
Pension
SS
Dividends ,Cap-gains from Taxable account.,,
Have sufficed
:happy
by Toons
Sun May 13, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7826

Re: Bucket List Adventures/Activities

My bucket list is finished...
Everyday now is a bonus

:mrgreen:
by Toons
Sun May 13, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 80
Views: 4329

Re: College laptop for fall 2018 freshman

I own Windows 10 desktops,Laptops.....
This Asus Chromebook is my favorite...
Perfect for a student.....,
And Toons(on second thought I am a student,,spanish online) :mrgreen:

Buena Suerte ,,,Buen Dia



https://www.amazon.com/gp/product/B01DB ... UTF8&psc=1
by Toons
Sun May 13, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 136
Views: 9311

Re: New(ish) attending physicians in the Bay Area: Housing

Come to Johnson City Tn.
The Doctors I speak to ,love it here.

:happy
by Toons
Sat May 12, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2192

Re: Online/cloud backup or file storage?

Online for years here.
Google Drive
DropBox.
Easy access.
Do Not Fret.
:mrgreen:
by Toons
Sat May 12, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: New Digital Advisor for $20/month - Worth it ?
Replies: 11
Views: 1387

Re: New Digital Advisor for $20/month - Worth it ?

Use quicken for cashflow or something similar
Buy Index funds.
No need for 20 a month to anybody,
:happy
by Toons
Tue May 08, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 3514

Re: Why do so many Americans not own stocks?

They don't Save enough to invest.
Forget about delayed gratification.
They want something tangible .
Stuff.
:happy
by Toons
Tue May 08, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 63
Views: 6983

Re: Memory Foam Mattress Recomendations

Really appreciate this purchase :happy https://www.amazon.com/gp/product/B00RZTIW86/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 Just wanted to thank you for this recommendation.. Hard to trust Amazon reviews, so I purchased this solely on your recommendation- and couldn't be happier. Bogleheads has ...
by Toons
Tue May 08, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5925

Re: When to buy new underwear?

Every few months.
:happy
by Toons
Sun May 06, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16830

Re: What Percentage CASH are you?

Doc wrote:
Sun May 06, 2018 4:30 pm
Toons wrote:
Thu Aug 10, 2017 2:44 pm
.01481 % :happy
I was happy too until you beat me.

.0212% :(

We have more "cold" cash on hand than we have in all of our investment accounts combined.

LOl,,,, :sharebeer
by Toons
Wed May 02, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10025

Re: Have you quit eating sugar? Tell me how!

Self Discipline.
Just Stop.

:happy
by Toons
Mon Apr 30, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15213

Re: How do you know when you have "won the game"?

For us,,,in retirement
We do what we want monetarily ,yet.
Our net worth continues to grow.

:happy
by Toons
Mon Apr 30, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2547

Re: What Android browser do you use?

Chrome
:happy
by Toons
Mon Apr 30, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10338

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........ :happy http://www.roadtrek.com/wp-content/uploads/2014/07/roadtrek_cs-adventurous_driver-side-angled_white_1280x688_04-2017-720x396.png http://www.roadtrek.com/models/cs-adventurous/ :sharebeer is this what you have? Looks like an amazing vehicle. Yes,...
by Toons
Mon Apr 30, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3097

Re: How do you fund spending in retirement

Pension
Social Security.
Capital Gains and dividends from holdings,
I use Capital One 360 checking and their Moneymarket account for cash needs.
Both Interest bearing accounts.

FYI..
https://www.capitalone.com/bank/checkin ... g-account/





:happy
by Toons
Fri Apr 27, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10752

Re: Amazon to raise Prime membership in US to $119 from $99

A can of pringles used to cost me fifty cents,
Everybody has to make a living
:mrgreen:
by Toons
Thu Apr 26, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5735

Re: Comfortable Commuter Cars under $50K

Honda Civic Touring
:mrgreen:
by Toons
Thu Apr 26, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do I un-follow stock market?
Replies: 31
Views: 1690

Re: How do I un-follow stock marke?

Discipline,
Just say No,
And MEAN it








:mrgreen:
by Toons
Tue Apr 24, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10338

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........ :happy http://www.roadtrek.com/wp-content/uploads/2014/07/roadtrek_cs-adventurous_driver-side-angled_white_1280x688_04-2017-720x396.png http://www.roadtrek.com/models/cs-adventurous/ We have one and we love it. It is a 2017 and we took it on a 39 day t...
by Toons
Mon Apr 23, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10338

Re: Nomadic lifestyle in their 50s

Get Yourself one of these and take off........
:happy

Image


http://www.roadtrek.com/models/cs-adventurous/




:sharebeer
by Toons
Mon Apr 23, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Too Much Money in Taxable Acct/House Payoff/401k
Replies: 8
Views: 1043

Re: Too Much Money in Taxable Acct/House Payoff/401k

$102k on 15 year mortgage @3.49%, house is currently worth ~$207k, mortgage has 14 years left on it


Eliminate, any way you see fit.





:happy
by Toons
Mon Apr 23, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 2801

Re: Dividend fund in taxable account during retirement, yea or nay?

My spouse and I are retired I quit fretting about taxes in taxable account years ago. I have several balanced funds,managed equity funds and individual stocks in my taxable account. I now take all the dividends and capgains in cash.I had reinvested for years, I pay taxes ,although ,in retirement it ...
by Toons
Mon Apr 23, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 26
Views: 2266

Re: What to do with extra 50k? Still struggling.

2. Pay down mortgage (3%, 10yr, 130k).


Gets My Vote.

:mrgreen: :mrgreen:
by Toons
Sun Apr 22, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 7487

Re: Do you buy new or used cars?

For 40 years we bought a new one about every ten years (base model)
Age 67
We saved and invested for those decades
We bought a new one in
2011,12,13,15,17,18
traded each time.
The clock is ticking,
:mrgreen:
by Toons
Sat Apr 21, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Lending Club Investing
Replies: 26
Views: 2337

Re: Lending Club Investing

Stick To Index Funds.
Watch the paint dry,



:mrgreen:
by Toons
Sat Apr 21, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 18
Views: 985

Re: Portfolio Questions

bogglek3sh4v wrote:
Fri Apr 20, 2018 2:51 pm
Toons wrote:
Fri Apr 20, 2018 2:47 pm
Credit Card Debt: $3,000 @ 10% APR

Please say "adios" to that


:mrgreen:
Adios :D
:sharebeer :mrgreen:
by Toons
Sat Apr 21, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11261

Re: New retirees: so whatdayathink ?

Every Day Is A Holiday
Every Meal Is A Banquet

:mrgreen:
by Toons
Fri Apr 20, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 18
Views: 985

Re: Portfolio Questions

Credit Card Debt: $3,000 @ 10% APR

Please say "adios" to that


:mrgreen:
by Toons
Fri Apr 20, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 9138

Re: NYT article: Everyone should hire a financial planner

I am 67 years young.
Eventually I might hire one...
Not today though









:happy
by Toons
Thu Apr 19, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1931

Re: Once retired, tools to determine available spend?

Retired. We spend... less than we have. It works. For Us. :happy Ok, but if you "have" $1,000,000 at start of retirement and plan to "spend" just $100,000 of it each year going forward, you could run into problems with nest egg depletion... Well I guess that could be the case. We have nof found our...
by Toons
Thu Apr 19, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4730

Re: PC laptops

Dell,Lenovo ,or
Chromebook Asus
:happy
by Toons
Thu Apr 19, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4459

Re: Are you keeping more in cash?

I keep about 50k in "cash"

:happy
by Toons
Thu Apr 19, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1931

Re: Once retired, tools to determine available spend?

Retired.
We spend...
less than we have.
It works.
For Us.
:happy
by Toons
Thu Apr 19, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 31
Views: 2519

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

I've owned PRIMECAP Core for about 18 years. Very happy I do. As stated before, they are a great management Team, not just one star manager.. They must be doing something right because they've been doing it right for a very long time. If I had the opportunity to get into one of their funds, I would...
by Toons
Wed Apr 18, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5583

Re: I want to pay off my mortgage. Am I crazy?

I would pay off Everything.
Give yourself "options"
:happy
by Toons
Tue Apr 17, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5583

Re: I want to pay off my mortgage. Am I crazy?

"We have no debt whatsoever"
Say It over and over.
pay off the mortgage
You won't regret it.
:happy
by Toons
Tue Apr 17, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Please suggest a file folder type
Replies: 21
Views: 1253

Re: Please suggest a file folder type

Use A scanner.
Scan to pdf.
Store to hard drive and a back up
Works for me.
Save space
by Toons
Tue Apr 17, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 27
Views: 3517

Re: Wellesley January Price Drop? Why?

Try the Rip Van Winkle approach.
take a look in twenty years.
:happy
by Toons
Tue Apr 17, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 1617

Re: How long for irs to pull from checking

My quarterly estimated was auto paid the 17th.
That is the day it was debited from checking account.
:happy
by Toons
Sat Apr 14, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4183

Re: Is it necessary to replace brake fluid on a car every 3 years?

I replace my brake fluid every two years regardless of mileage. Brake fluid absorbed moisture and over time the fluid will lose its ability to work properly. Increased moisture content reduces the boiling point of the fluid leading to vapor lock of the brake system during heavy loads. Every time I ...