Search found 1522 matches

by tennisplyr
Sun Apr 22, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 114
Views: 5311

Re: Boglehead Philosophy Open To Change?

Nothing lasts forever, not the bad nor the good.
by tennisplyr
Sun Apr 22, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 65
Views: 5935

Re: New retirees: so whatdayathink ?

gasdoc wrote:
Sun Apr 22, 2018 8:48 am
I was reading this thread to my wife (out loud) and she says, "let's retire today." We have a plan, however, and will stick to the plan. Thanks to everyone contributing to this thread. Great topic, OP!

Gasdoc
Thank you...it is truly a blessing to positively influence others' lives!
by tennisplyr
Sun Apr 22, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: How long have you been unemployed?
Replies: 25
Views: 1682

Re: How long have you been unemployed?

Lost several jobs during my career, usually max for a few months, last time in my late 50s. Retired now for 7 years. Keep fighting, do something every day to advance the cause. Think about freelance and part time work.
by tennisplyr
Sun Apr 22, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: What If Rip Van Winkle Invested In The Stock Market?
Replies: 6
Views: 1123

Re: What If Rip Van Winkle Invested In The Stock Market?

Thank you. I like his last line:

"The stock market has been one of the greatest creators of wealth in human history and chances are you will need to capture some of its growth if you are to reach your long- term goals."
by tennisplyr
Sun Apr 22, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 65
Views: 5935

Re: New retirees: so whatdayathink ?

It is fun and rewarding helping others. This week I fixed 2 elderly single female neighbors computer and TV. Time to give back.
by tennisplyr
Sat Apr 21, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: How much does tinkering hurt returns?
Replies: 16
Views: 1409

Re: How much does tinkering hurt returns?

If I had to guess, it would be that tinkering could cost you 1% to 2% a year in returns. That is if you are changing your basic investing approach. You also have to understand that there are ebbs and flows to the markets, times when one investing approach will outperform another. For example, Small...
by tennisplyr
Fri Apr 20, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 65
Views: 5935

Re: New retirees: so whatdayathink ?

To someone who asks, what do you do all day I say "whatever I want". With regards to activities I like to say I let the day come to me.
by tennisplyr
Fri Apr 20, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4210

Re: Are you keeping more in cash?

Retired 7 years and have 5% in cash...mostly HY Ally savings.
by tennisplyr
Fri Apr 20, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 65
Views: 5935

New retirees: so whatdayathink ?

For those of you who have retired within the past year or so, how is it? Have there been any major surprises or adjustments you've had to make. Anything you need help with?
by tennisplyr
Wed Apr 18, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4248

Re: PC laptops

I'm thinking between Lenovo and Chromebook, what it is that Chromebook cannot do.
by tennisplyr
Wed Apr 18, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Things have changed, so what do I do?
Replies: 14
Views: 2002

Re: Things have changed, so what do I do?

You’ve won the game and are running up the score it sounds like at this point. What is your AA? Perhaps cool off the AA further, maybe enjoy a higher withdrawal rate, keep your back to the net on the backhands, slight under spin on the volleys, and play the percentages by going cross court. Dave So...
by tennisplyr
Tue Apr 17, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Things have changed, so what do I do?
Replies: 14
Views: 2002

Re: Things have changed, so what do I do?

Archimedes wrote:
Tue Apr 17, 2018 6:57 pm
How old are you and how is your health doing?
I'm 68, healthy and very active.
by tennisplyr
Tue Apr 17, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Things have changed, so what do I do?
Replies: 14
Views: 2002

Things have changed, so what do I do?

1. I retired 7 years ago--so I presumably have missed the 'sequence of returns risk' 2. I downsized last year--so my expenses are much lower than when I first retired and I ended up with an appreciable amount from my home sale 3. I'm getting a bit older so the need for extravagant vacations or expen...
by tennisplyr
Tue Apr 17, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7952

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Yes, you have many options and to some extent time on your side:
-you could get a job
-cut back spending
-downsize
-get an annuity
-etc

As you know, this is not a locked in concrete decision...be happy, be healthy, be flexible live life!
by tennisplyr
Sun Apr 15, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 113
Views: 9845

Re: Trinity Study updated to 2018

So what happened? We simply withdrew what we needed and kept an eye on our portfolio balance. Most years our balance went up and we spent the money on vacations, luxuries and charity. When our balance went down we tightened our belt and economized. Best wishes. Taylor Great! None of the mathematics...
by tennisplyr
Sun Apr 15, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5408

Re: Costco gas

Always gas up there as price is cheaper than other gas around....worth the wait.
by tennisplyr
Wed Apr 11, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3639

Re: Active Adult Retirement Communities

The Villages in middle Florida https://www.thevillages.com/ I have heard of The Villages but have never been there. Sounds like a wild place if half this stuff is true (and this is just a sampling): https://nypost.com/2009/01/25/retire-to-the-bedroom/ http://www.slate.com/articles/life/florida/feat...
by tennisplyr
Wed Apr 11, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Can Big Tech Stocks Grow Without Limits?
Replies: 38
Views: 2985

Re: Can Big Tech Stocks Grow Without Limits?

Hard to argue against tech stocks but then you never know. When Henry Ford invented the auto I'm sure most said "I don't see it."
by tennisplyr
Wed Apr 11, 2018 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3170

Re: Any aggressive index funds in your portfolio?

I've held Fidelity Software and IT Services for quite a while, +16.75% annually over past 10 years...no complaints.
by tennisplyr
Tue Apr 10, 2018 7:22 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 5143

Retirees: Who's increasing their equities as they age?

Currently in my 60s and am retired 7 years with a 45/55 AA. Been thinking about increasing my equity side a bit. Are there retirees who are/or are planning to up their equity proportion as they age and why they would be doing that?
by tennisplyr
Tue Apr 10, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3639

Re: Active Adult Retirement Communities

If your considering Florida check out Islandwalk in Venice. Venice is on the Gulf Coast and near Sarasota with its culture, beaches and restaurants. Islandwalk has tennis, pickleball, massive resort-style pool, lap pool, activity center, etc. Nice modest sized homes start at $250-$300k. It's sunny t...
by tennisplyr
Mon Apr 09, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 2627

Re: Best place to buy a TV

Just bought 2 TVs at Costco.
by tennisplyr
Mon Apr 09, 2018 7:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 70
Views: 8864

Re: Too much Bogleheads.org?

I've been on it for several years. I use it as a resource if I have an issue. One of the keys for me is whom do I listen to? There are many, many opinions on here....at the end of the day I have to decide which are helpful.
by tennisplyr
Sun Apr 08, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Need new bedroom furniture
Replies: 23
Views: 1211

Re: Need new bedroom furniture

Recently moved from our NY home of 35 years and donated, sold or threw out virtually all of our furniture. We bought a home in FL and decided to buy all new stuff largely from furniture stores, home shops and consignment stores. I have to say it's been fun. Figured I'm not going to live forever, so ...
by tennisplyr
Sat Apr 07, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4056

Re: Is it very hard to learn Spanish?

Spanish is relatively easy to learn, don't let fear stop you from growing.
by tennisplyr
Sat Apr 07, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: "The Secret"
Replies: 19
Views: 2606

"The Secret"

There are countless good books on this site recommended for being successful financially and having a good life. Not sure how many of you have heard of the "The Secret" and the law of attraction....the psychological side of acheiving success. Hey it's Saturday, so if you feel like exploring somethin...
by tennisplyr
Thu Apr 05, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6310

Re: Want/need some income in semi-retirement

How about a grocery packet at a local supermarket, I know Publix has lots of part timers.
by tennisplyr
Wed Apr 04, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: senior investing
Replies: 26
Views: 1693

Re: senior investing

Try to cut back on your spending maybe a smaller home/apartment and perhaps get a part time job. Without taking on some risk or incurring debt, it's a challenge.
by tennisplyr
Tue Apr 03, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 4179

Re: Microsoft tech support scam - how to recover?

I basically tell these morons to take a walk. One I kept calling back to tie up his lines, finally he stopped picking up.
by tennisplyr
Tue Apr 03, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Is it time to retire
Replies: 23
Views: 3627

Re: Is it time to retire

I retired 7 years ago @61 with less assets than you have . Time is flying by and I am loving retirement . If it feels right, just do it. I got tired of chasing the dollar, things have a way of working out . Slam dunk! Lifted the thoughts right out of my head, only retired 3 years ago at 60. Despite...
by tennisplyr
Mon Apr 02, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time to retire
Replies: 23
Views: 3627

Re: Is it time to retire

I retired 7 years ago @61 with less assets than you have. Time is flying by and I am loving retirement. If it feels right, just do it. I got tired of chasing the dollar, things have a way of working out.
by tennisplyr
Sun Apr 01, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates
Replies: 20
Views: 2196

Re: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates

BolderBoy wrote:
Sat Mar 31, 2018 10:40 pm
alex_686 wrote:
Sat Mar 31, 2018 9:56 am
Focus on Total Returns, not dividends.
Agree with this. Good advice.
+1
by tennisplyr
Sun Apr 01, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Is backtesting worthless? Are there ANY insights you can get from it?
Replies: 69
Views: 4396

Re: Is backtesting worthless? Are there ANY insights you can get from it?

I look at it as one piece of information out of many, many pieces of information I might use when making an investment decision....certainly not as a predictive piece.
by tennisplyr
Sun Apr 01, 2018 7:24 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17183

Re: A lot of heavy hitters this morning

As someone once told me...you should always hear what others have to say but you don't have to listen to their advice.
by tennisplyr
Fri Mar 30, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a HELOC: DCU, NFCU, or another?
Replies: 6
Views: 304

Re: Recommend a HELOC: DCU, NFCU, or another?

Used Chase in the past with no issues. Thinking about getting one on my new place through them again. We are Chase customers.
by tennisplyr
Fri Mar 30, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3091

Re: Online meals, anyone do these?

Tried Blue Apron...too much work and not enough food for me.
by tennisplyr
Fri Mar 30, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 4049

Re: When did you know your kids would go to college?

When she was born. My parents did not and I saw what it has meant to me and my 2 brothers. GO TO COLLEGE!
by tennisplyr
Thu Mar 29, 2018 7:18 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17183

Re: A lot of heavy hitters this morning

I posted a similar thread a few years ago, most live just fine in retirement on much less and are thankful for it.

viewtopic.php?t=156043
by tennisplyr
Thu Mar 29, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Total return vs dividends
Replies: 54
Views: 4481

Re: Total return vs dividends

My other question is that if my portfolio generates consistent dividends and interest income, I’ll never be forced to sell shares when the market is down. If the stock market is down, then one would sell bonds for living expenses. And then further rebalance if necessary, by selling more bonds and b...
by tennisplyr
Wed Mar 28, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8067

Re: How old were you when you started spending your “principal”?

Retired 7 years ago and started spending principal immediately. Portfolio went down a bit but is higher now than then due to market growth and cash from downsizing.
by tennisplyr
Wed Mar 28, 2018 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Where do I invest TODAY?
Replies: 10
Views: 1283

Re: Where do I invest TODAY?

To keep it simple, look into a target retirement fund that puts you in retirement in roughly 10 years.
by tennisplyr
Wed Mar 28, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: When to Take Social Security (again...)
Replies: 62
Views: 5155

Re: When to Take Social Security (again...)

We took at 62....prefer having expenses come from SS rather than portfolio. A bird in the hand worth more than 2 in the bush, no??
by tennisplyr
Tue Mar 27, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Favorite vacations that don’t involve travel
Replies: 13
Views: 1970

Re: Favorite vacations that don’t involve travel

Sure...there's more to life than travel.
by tennisplyr
Mon Mar 26, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4056

Re: Savannah or Charleston?

Been to both and its a coin toss for me. Both have beauty, interesting historical sites and good Southern food. Depends where you're coming from in terms of travel time. I'd I had to choose it would be Charleston...think it's rated as one of the most popular US cities to visit.
by tennisplyr
Mon Mar 26, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation
Replies: 10
Views: 1081

Re: Asset allocation

I have Vanguard and Fidelity funds and both have international components to their equities/bonds.
by tennisplyr
Mon Mar 26, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Kiplingers Retirement Report
Replies: 17
Views: 3322

Re: Kiplingers Retirement Report

mickeyd wrote:
Mon Mar 26, 2018 1:07 pm
It's free @ my public library.
+1
by tennisplyr
Mon Mar 26, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Sequence of Return Risk for Retirees - Consuello Mack / WealthTrack
Replies: 18
Views: 1835

Re: Sequence of Return Risk for Retirees - Consuello Mack / WealthTrack

I retired in 2011, so I'm home free right, I don't think so. I still have to use my head, this risk can occur during any period.
by tennisplyr
Sun Mar 25, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 2609

Re: What car should I get

Toons wrote:
Sat Mar 24, 2018 8:07 am
2018 Touring Civic Here.
Drive one.
:mrgreen:
Cool, I have '17 Civic Hatchback silver, fun car.