Search found 1150 matches

by tennisplyr
Thu May 25, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: Place to put Cash - short term
Replies: 15
Views: 1331

Re: Place to put Cash - short term

I sold my home and placed proceeds in an Ally savings account @1.05% for less than 1 year. Took money out recently to buy a new home...I'm happy :happy
by tennisplyr
Sun May 21, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Computing device for elderly relative
Replies: 34
Views: 1388

Re: Computing device for elderly relative

I think an iPad is ideal....lightweight, no wires easy to learn, very mobile. Tell him not to use his fingernail when tapping and he'll be fine. I adore mine and almost never use anything else.
by tennisplyr
Sun May 21, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 108
Views: 12616

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

Been taking SS since I was 62, wife as well. It works for us. Like using that money and who knows how long I'll live. We've already received well into the 6 figures.
by tennisplyr
Sun May 21, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 4923

Re: What are your priorities for retirement?

If your like me, you've lead a blessed life. Maybe you want to give back occasionally, volunteer to help others, it feels good too.
by tennisplyr
Sun May 21, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Job loss
Replies: 28
Views: 2224

Re: Job loss

Sorry for the loss. Retired in my mid sixties and have lost jobs in my past with significant responsibilities...family, mortgage, house bills, medical expenses, etc. Once even was unemployed in my late 50s and found a good job with a Fortune 500 company. My words of wisdom. Stay positive, don't pani...
by tennisplyr
Sat May 20, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 1877

Re: How to sell a house?

Sold my home of 35yrs recently that needed some work, largely cosmetic. Some thoughts: -I would not spend huge amounts of money repairing things -Maybe a paint job and some yard work for improving visual appeal -Price to sell because at the end of the day the house will go for what it's worth -Less ...
by tennisplyr
Sat May 20, 2017 5:56 am
Forum: Investing - Theory, News & General
Topic: "Why Value Stocks Have Disappointed"
Replies: 39
Views: 4547

Re: "Why Value Stocks Have Disappointed"

All things come to an end...both the bad and the good.
by tennisplyr
Fri May 19, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2587

Re: Samsung or LG tv?

pennstater2005 wrote:
tennisplyr wrote:Well, I just bought my tv and it was a Samsung...actually I bought 2, one a 40" and one a 50". Both are great.


Did you go 4k or HDR?


4K UHD
by tennisplyr
Fri May 19, 2017 6:48 am
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9568

Re: The Case for Dividend Stocks in Retirement (article)

"The math is such that a person living from dividend stocks ends up in the same place as a person selling shares, provided that the total returns of the two portfolios are exactly the same." It would seem that given a sufficient time horizon one cow keeps giving milk while the other cow g...
by tennisplyr
Fri May 19, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2587

Re: Samsung or LG tv?

Well, I just bought my tv and it was a Samsung...actually I bought 2, one a 40" and one a 50". Both are great.
by tennisplyr
Wed May 17, 2017 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 82
Views: 12004

Re: Regret early retirement/downsizing

I am not there yet. My fear is that I like seeing my assets go up every month. I am not sure I am ready to see them stay stagnant or go down. So I am still working. Retired for 6+ years and have seen investables continue to grow with steady withdrawals. Life goes by fast, I stopped chasing the doll...
by tennisplyr
Mon May 15, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Stashing some cash
Replies: 7
Views: 1432

Re: Stashing some cash

Sold my home last summer and stashed a bunch of cash in an Ally savings account @1.05%. Recently took out a bunch to buy a new place, everything worked out well...secure money while making a few bucks.
by tennisplyr
Sun May 14, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 82
Views: 12004

Re: Regret early retirement/downsizing

Short answer no. Retired 6 years ago @61....hated work at the end. Much happier now. In process of downsizing to a new home which we're excited about. Anyway I think "retirement regrets" is an oxymoron.
by tennisplyr
Sun May 14, 2017 6:29 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3329

Re: How much to tip movers?

Just moved last week and also have had a few new furniture deliveries. I gave $20, water and bathroom use for each.
by tennisplyr
Sat May 13, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Information Technology - VGT or VITAX
Replies: 50
Views: 2565

Re: Vanguard Information Technology - VGT or VITAX

The largest companies by market capitalization in the United States are Apple, Alphabet, and Microsoft. You can't escape them if you already have the total stock index fund. No need to buy VGT or VITAX. Some people tilt to small cap or small cap value, so why not sector tilt in things like Technolo...
by tennisplyr
Sat May 13, 2017 6:13 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 10939

Re: Single most important investing advice?

Stay the course....all things come to an end both bad and good.
by tennisplyr
Thu May 11, 2017 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3166

Re: Portfolio Tracking Tools

Hey everyone! I just started to invest and was wondering if someone can share some helpful tips. I totally agree that a low cost index approach works well, but would like to add some of my own stock ideas to the mix. I was curious how everyone manages to keep track of their portfolio holdings. Do y...
by tennisplyr
Wed May 10, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: What home improvements are worth it
Replies: 37
Views: 5321

Re: What home improvements are worth it

Just sold our home of 35 years that was in need of TLC. I would suggest the following: 1. Kitchen updating...lighting, countertops 2. Exterior curb appeal, fresh coat of paint, plantings, clean 3. Interior paint, if possible. 4. Declutter...less is more 5. Bright interior...no large, dark window sha...
by tennisplyr
Wed May 10, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2587

Samsung or LG tv?

We're ready to buy a new 55" tv and we've narrowed it down to Samsung and LG. Any experience/advice/recommendations of these two brands? We've generally been happy with Samsung. Thanks.
by tennisplyr
Tue May 09, 2017 6:16 am
Forum: Personal Finance (Not Investing)
Topic: all cash vs. HELOC vs mortgage
Replies: 7
Views: 821

Re: all cash vs. HELOC vs mortgage

You don't say what your age/financial situation is so it's difficult to answer. I just paid all cash for my home but I am retired, midsixties and did not touch my portfolio. I wouldn't feel comfortable psyong also cash in your situation.
by tennisplyr
Mon May 08, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Why Does The 60/40 Work So Well?
Replies: 72
Views: 9124

Re: WHy Does The 60/40 Work So Well?

I've always been at 50/50 and thought it was a happy medium...It works for me.
by tennisplyr
Sun May 07, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Late October Western Travel Ideas?
Replies: 10
Views: 1038

Re: Late October Western Travel Ideas?

Always loved my LA to SF trip on the Pacific Coast Highway with the family, some breathtaking views.
by tennisplyr
Sun May 07, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 28
Views: 4755

Re: Worth It Or Not? [to Retire]

Personally, while I have no pension, I decided to retire 6 months before my 62 birthday. No regrets here. Got tired of chasing the dollar at the expense of being miserable in my job. Life is very short, and seems to accelerate in retirement, do what your gut tells you to do. By my standards you seem...
by tennisplyr
Fri May 05, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 4292

Re: Tips From Older Bogleheads?

Some thoughts from mid-sixties retiree for a youngster: -Time is your friend, save/invest where possible no matter how small -Debt is your enemy...try to spend within your means -Have goals and work toward them -Timing the market is fool's gold, it make work sometimes, usually not -Be thankful for w...
by tennisplyr
Fri May 05, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Change to asset allocation
Replies: 11
Views: 785

Re: Change to asset allocation

You may want to take a look at the fee differences across the two strategies. Maybe the fees of the more varied approach would eat up potential gains.
by tennisplyr
Fri May 05, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: "Ten Commandments" by Jonathan Clements
Replies: 24
Views: 3227

Re: "Ten Commandments" by Jonathan Clements

Good stuff, thanks Taylor.
by tennisplyr
Fri May 05, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation
Replies: 15
Views: 1228

Re: Retirement Allocation

Seems reasonable in the absence of age, risk tolerance, income streams, portfolio size, expenses, overall goals
by tennisplyr
Fri May 05, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 7740

Re: Convince me that I'm holding too much cash

Leif wrote:In case you missed it, Christine Benz at M* has a recent article on"How much cash?" I'm not sure if you can see it if you don't have a free M* login.

How Much Cash Do You Really Need?


Thank you, hadn't seen it
by tennisplyr
Thu May 04, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Road trip to western states
Replies: 38
Views: 1999

Re: Road trip to western states

The trip from LA to San Fran is fabulous, one of my favorite vacations.
by tennisplyr
Thu May 04, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Two night trip
Replies: 9
Views: 824

Re: Two night trip

Know nothing about the area but congratulations!
by tennisplyr
Thu May 04, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 7740

Re: Convince me that I'm holding too much cash

Nothing hidden here. 1) How much SS are you both collecting every year? 2) What is the total value of your portfolio? 3) What your yearly spend? Questions too personal. If you change your name to Golfer we wouldn't know who you were and then you could answer personal questions with anonymity. :idea...
by tennisplyr
Thu May 04, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 7740

Re: Convince me that I'm holding too much cash

ddurrett896 wrote:
tennisplyr wrote:Nothing hidden here.


1) How much SS are you both collecting every year?
2) What is the total value of your portfolio?
3) What your yearly spend?


Questions too personal.
by tennisplyr
Thu May 04, 2017 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Safe Retirement at 62?
Replies: 20
Views: 3880

Re: Safe Retirement at 62?

Way more income than I get and I've been happily for 6+ years.
by tennisplyr
Thu May 04, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 2941

Re: Visiting Paris for 8 days - what to do?

It's all good, one of my favorite cities :happy
by tennisplyr
Wed May 03, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to Apartment
Replies: 25
Views: 3540

Re: Downsizing to Apartment

Retired in our midsixties and in the process of downsizing from HCOL area to a LCOL area. Bought less expensive home (actually larger sq ft) at half the price, so we're happy. After 35 years, we're excited about the long overdue change. We've rented for a bunch of months in between, I have to say re...
by tennisplyr
Wed May 03, 2017 6:41 am
Forum: Investing - Theory, News & General
Topic: Reverse mortgage funds for investments
Replies: 16
Views: 1067

Re: Reverse mortgage funds for investments

You might be able to use a HELOC for investing, I believe there are virtually no fees to open up one....though not sure about APR. Interest payments might be tax deductible?
by tennisplyr
Mon May 01, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 7740

Re: Convince me that I'm holding too much cash

Tennis, There is something behind your question that you are not sharing -- smacks of a hidden agenda, or a conflict between spouses. My advice to you: either be open with yourself and us about your real question, or deal with it yourself. I personally kept about four years' expenses in "cash&...
by tennisplyr
Sun Apr 30, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 7740

Re: Convince me that I'm holding too much cash

Not enough info. Still not enough info. Other assets? Mix? We are mid-60s, no pension (yet) and no SS (yet). No cash. But 60% of our assets are in holdings of fairly low duration bond funds. We own a home, mortgage free and no other debt. Mutual funds at 50/50 AA. Just moved to a LCOL from a HCOL.
by tennisplyr
Sun Apr 30, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 7740

Re: Convince me that I'm holding too much cash

bloom2708 wrote:How many years of annual spending does 15% represent?

If more than 3, invest it with your desired overall asset allocation.



Virtually all of it is at Ally @1.05%. Cash could cover ~3-5 years of expenses.
by tennisplyr
Sun Apr 30, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 7740

Convince me that I'm holding too much cash

DW and I are in our mid sixties and have been retired about 6 years. Both are collecting SS and have no pensions. As a result of a recent downsizing, we find ourselves holding about 15% of our investable assets in cash with no major purchases on the horizon. In the past I've comfortably held roughly...
by tennisplyr
Fri Apr 28, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: A Morbid Subject
Replies: 20
Views: 2572

Re: A Morbid Subject

I recently read a survey that asked people over 60 if they wanted to be young again or they're were OK with their age. The majority said they did not want to be young again. I'm in my mid sixties and have no fear of death at all. I do not, however, want to get to a point where I have to rely mainly ...
by tennisplyr
Mon Apr 24, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 4465

Re: Looking For Advice - Move NY -> Tampa?

Can't go wrong with moving to the south. Congratulations! Just moved to Sarasota from NY where I lived/worked my entire adult life....we're currently retired and in our mid sixties. Bought a home recently for about half the price of my NY home and saving ~$10,000/year in property taxes with no stat...
by tennisplyr
Sun Apr 23, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Hotel Living
Replies: 20
Views: 3307

Re: Hotel Living

I needed a place to live for a few months between homes (NY to FL). Looked into extended stay, way too expensive. Used VRBO for a 3 month stay, worked out fine for me. No worrying about furniture moving, cooking or expensive hotels. Also may want to check these: http://www.airbnb.com http://www.home...
by tennisplyr
Sun Apr 23, 2017 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Hardest invest Q of all [when to retire]
Replies: 14
Views: 1747

Re: Hardest invest Q of all [when to retire]

In our mid sixties and retired ~6 years, some thoughts: -Hated my job, time to move on -I'm not a millionaire but finances will be fine...lots of options if you look for them....stop chasing the dollar, start using them -passionate about tennis and being outdoors, lots to do -some volunteer work to ...
by tennisplyr
Sun Apr 23, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 8269

Re: Ally Bank - Savings Account Rate Increased!

Something is better than nothing :thumbsup :thumbsup
by tennisplyr
Sat Apr 22, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 4465

Re: Looking For Advice - Move NY -> Tampa?

You need to know that you can handle the heat and humidity from May through October every year. I know a bunch of people who tried and came back. I personally hate a hot, humid climate. Personally I got sick and tired of the long no-so-nice weather, congestion, high taxes/expenses and aggressivenes...
by tennisplyr
Sat Apr 22, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 4465

Re: Looking For Advice - Move NY -> Tampa?

Just moved to Sarasota from NY where I lived/worked my entire adult life....we're currently retired and in our mid sixties. Bought a home recently for about half the price of my NY home and saving ~$10,000/year in property taxes with no state income tax. Homeowners and car insurance significantly le...
by tennisplyr
Sat Apr 22, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7144

Re: Removing a tree - expensive!!!

I had a Dutch elm removed from my backyard a few years ago for $3000 and others for $800-$1000...the fun of homeownership. Get a couple of other bids and work with am arborist to see if there are other options.

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