Search found 1418 matches

by tennisplyr
Wed Feb 21, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 88
Views: 6675

Re: Honda vs. Toyota: Which has more bang for the buck?

I got this car a few months ago in silver and absolutely love it :D
by tennisplyr
Mon Feb 19, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1472

Re: Is it "cute" to invest in sector funds?

Cute I don't know but fun definitely. I have some "fun" money that I play with, i.e., can afford to lose. I've put some in a Fidelity tech fund and its up over 16% annually over the past 10 years. No big deal, thought it was a good choice and so far, so good.
by tennisplyr
Mon Feb 19, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: First offer on a house...gut check
Replies: 16
Views: 2363

Re: First offer on a house...gut check

When we were your age (~35 years ago) and both working, we bought a house with the proviso that if we were down to one income we could handle monthly expenses. We lived happily in that home for 35 years and refinanced a few time along the way. Everything worked out well for us. Sold that home and do...
by tennisplyr
Sun Feb 18, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6423

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

Yes it's good for you. Something to plan for and look forward to....make it a part of your life. In my sixties and we snowbirded for winter months in FL which evolved to living here. Change is good!
by tennisplyr
Sat Feb 17, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 149
Views: 13276

Re: Retirees: The common sense withdrawal method

My point in starting this thread was that before computers or sophisticated models, my suspicion is that some people financially navigated their way through retirement. Was wondering if some, like me, are doing that. My mom did. I'm not implying that I spend whatever I want, whenever.
by tennisplyr
Fri Feb 16, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 149
Views: 13276

Retirees: The common sense withdrawal method

Obviously, there are endless discussions here about withdrawal methods usually involving some kind of formulae or calculations. I was wondering if there are people like me who just use common sense...they take out what they need, when they need it. Please share your story.
by tennisplyr
Fri Feb 16, 2018 7:44 am
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8246

Re: How many of you use the "4% rule" during retirement?

Retired for 7 years and take out what I need. I keep an eye on my total assets and try to live my life in balance.
by tennisplyr
Thu Feb 15, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1883

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

Just purchase the Target dated fund that is good for you. Then you have everything you are looking for and really easy to manage. I keep reading that staying with your portfolio is more important than anything else. This is why so many of us had made so many mistakes over the years. We are always t...
by tennisplyr
Wed Feb 14, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 88
Views: 6675

Re: Honda vs. Toyota: Which has more bang for the buck?

I've owned Honda Accords since 1983....enuf said
by tennisplyr
Tue Feb 13, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest funds from home sale?
Replies: 17
Views: 1059

Re: Where to invest funds from home sale?

I put proceeds from my home sale in an Ally savings account currently paying 1.45%.
by tennisplyr
Tue Feb 13, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16871

Re: Number at which to stop worrying

Folks, The good thing about being unemployed for 1 year or longer a few times is A) I learned not to worry. I had to in order to survive. B) I am prepared for whatever worst case that I can imagine. For example, I am prepared for unemployment and recession lasting 5 years at any time. C) I have a p...
by tennisplyr
Tue Feb 13, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Attention Sqawk Box viewers
Replies: 16
Views: 1542

Attention Sqawk Box viewers

I'm sure there are a number of intelligent BHs who are regular viewers of CNBCs Sqawk Box. What is it that appeals to you about the show? For me, the "this is up vs. last week", "this is down vs. year ago", "this is up vs. last month" gives me a headache. Why do you tune in?
by tennisplyr
Mon Feb 12, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home in 2018
Replies: 5
Views: 966

Re: Buying a home in 2018

Bought a home 35 years ago shortly after getting married in HCOL. We bought it knowing that we could handle it on one salary. Sold it last year and downsized to a LCOL area. Buying back thing was one of the best things we've done.
by tennisplyr
Sun Feb 11, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2391

Re: your assets - now verses end of year?

Don't look, for me no relevancy to do that...wouldn't change my life. Maybe comparing today to a year ago would be more positive reinforcement. You could pick any dates whatsoever if you're looking for trouble or positivity....no?
by tennisplyr
Sun Feb 11, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch
Replies: 7
Views: 522

Re: Portfolio Watch

For me it seems to underestimate "international", wouldn't use it for anything serious.
by tennisplyr
Fri Feb 09, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13198

Re: "The stock market is officially in a correction... here's what usually happens next"

"Stay the course" is not the same as "Buy and hold." Corrections and bear markets can often be an opportunity to rebalance, sell an unwanted fund, tax-loss harvest or move to another company. Best wishes. Taylor Hi Taylor, I want to thank you again for the guidance I received from you, Mel, and Bob...
by tennisplyr
Thu Feb 08, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Muncipal Bond funds
Replies: 6
Views: 1089

Re: Muncipal Bond funds

I've had Fidelity Municipal Income Fund for a while and am satisfied.
by tennisplyr
Thu Feb 08, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1256

Re: Total Bond

Is Total Bond really a great fund? Ranking in percentiles: YTD - 82; 1 year - 61; 3 year -56; 5 year - 50. Hardly impressive. Cliff: Morningstar ranks bond funds according to the fund's return. In my opinion, this is a mistake because Bond funds are primarily for safety in a portfolio. In bonds, hi...
by tennisplyr
Thu Feb 08, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Smart TVs and privacy
Replies: 4
Views: 550

Smart TVs and privacy

Saw this report and thought it was worth sharing:

Is SmartTV getting too smart?

[link formatted by admin LadyGeek]
by tennisplyr
Tue Feb 06, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 46549

Re: Today was a Really Bad Day

We made two records today for DOW. a) Largest intraday point drops (1,597.08). b) Largest daily point losses (1,175.21). Very interesting time to live! List of largest daily changes in the Dow Jones Industrial Average https://en.wikipedia.org/wiki/List_of_largest_daily_changes_in_the_Dow_Jones_Indu...
by tennisplyr
Tue Feb 06, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7156

Re: Stay the course?

Leave it alone and resist the temptation to look at the balance, you have time on your side. Relax!
by tennisplyr
Mon Feb 05, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Young vs Middle Aged?
Replies: 32
Views: 2873

Re: Young vs Middle Aged?

US government says 65+ are elderly :annoyed
by tennisplyr
Mon Feb 05, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266326

Re: U.S. stocks in freefall

All things pass, both the bad and the good.
by tennisplyr
Sat Feb 03, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 29
Views: 3570

Re: Credit for Retirees

I was thinking similarly. Retired for 7 years and am interested in a HELOC on a mortgage free home. What are my odds on getting one, my credit score is >800
by tennisplyr
Sat Feb 03, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Newbie
Replies: 17
Views: 1715

Re: Turbo Tax Newbie

Have been using TT for several years and have been satisfied. After filing, the next year they will import the prior years info and you can import data online from financial institutions. I'm sure others can but I like TT.
by tennisplyr
Sat Feb 03, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 91
Views: 7805

Re: What's your cash position

Am well into retirement and have about 7-8% in cash. Downsizing of home and market run up have increased my position from 5%.
by tennisplyr
Sat Feb 03, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: 4% withdrawal rate
Replies: 11
Views: 1382

Re: 4% withdrawal rate

Here's a chart from BH files, much more info in wiki.

https://www.bogleheads.org/wiki/File:TrinityTable3.jpg
by tennisplyr
Sat Feb 03, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Multiple bank accounts - am I crazy?
Replies: 46
Views: 3495

Re: Multiple bank accounts - am I crazy?

No. It's a judgement call, I have 2 for different reasons.
by tennisplyr
Wed Jan 31, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3534

Re: Should I join Linkedin?

I've been a member for years. Like anything else, if you work it and use it as part of your overall strategy it can be useful. At a minimum, you can maintain contact with people you know which I enjoy.
by tennisplyr
Tue Jan 30, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to think about your house from a financial perspective
Replies: 89
Views: 6770

Re: How to think about your house from a financial perspective

Sold my house in NY for 5x what I paid for it, you can use whatever word you want for it, for me I made lots of money!
by tennisplyr
Sun Jan 28, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 10271

Re: The biggest problem in retirement is spending (not)

... Others may feel the need to hold on to wealth as a form of self-insurance instead of acquiring an annuity to deal with a number of life’s uncertainties, such as longevity risk... Horse business. Annuitizing a portion of your portfolio at retirement is actually a strategy which allows one to pre...
by tennisplyr
Sat Jan 27, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay for an accountant or do it myself online Turbotax?
Replies: 21
Views: 2070

Re: Should I pay for an accountant or do it myself online Turbotax?

Been using TT for several years and like it. Besides saving a good deal of money doing it on my own, I get a sense of satisfaction of taking care of my own finances.
by tennisplyr
Sat Jan 27, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 2575

Re: If you lost your job

Was laid off/downsized several times during my career. I just kept working it until I found something, freelance work was an excellent source of income. I just saw that freelancers now represent about a third of the US workforce...and likely will grow. Never give up, I found a good job with a Fortun...
by tennisplyr
Fri Jan 26, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Trip cancellation insurance
Replies: 47
Views: 2329

Re: Trip cancellation insurance

Many credit card companies have insurance for free, I believe Citicard has it. Check with your providers.
by tennisplyr
Thu Jan 25, 2018 5:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4122

Re: Happy Birthday, Taylor!

Happy Birthday Taylor, I'm sure your continuous advice has educated many.
by tennisplyr
Thu Jan 25, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: How do you decide how wealthy you really are?
Replies: 58
Views: 7943

How do you decide how wealthy you really are?

They say when the market goes down, you really haven't lost anything until you sell the assets. By the same token, when the market goes up, until you sell, you have nothing in your hands. On any given day, for long term planning, how do figure out or think about how much you really have?
by tennisplyr
Mon Jan 22, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6085

Re: Am I being greedy?

Ahh the fear and greed in the market. When the drop came in 2008, I was happy I was @50/50 but then again I was in my fifties. You do have time on your side which many don't have.
by tennisplyr
Mon Jan 22, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 4484

Re: 50/50 AA recommended by Benjamin Graham

Retired for 7 years, in mid sixties. Am at 45/55 which works for us since we've achieved our goals.
by tennisplyr
Mon Jan 22, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard chief says "You will never see a bitcoin fund from us"
Replies: 33
Views: 2855

Re: Vanguard chief says "You will never see a bitcoin fund from us"

According to Wikipedia: "Bitcoins are created as a reward for a process known as mining. They can be exchanged for other currencies, products, and services. As of February 2015, over 100,000 merchants and vendors accepted bitcoin as payment. Research produced by the University of Cambridge estimates...
by tennisplyr
Sat Jan 20, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20132

Re: Anyone disenchanted with retirement?

I have a slightly tangential question, somewhat dark. I’m late 30s, but on track for a pretty early retirement if I want it (maybe 42?). I recently came across the story of a colleague who past away very young from a sudden disease after doing everything right in life (given under a year to live :/...
by tennisplyr
Fri Jan 19, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1303

Re: Which tax software for 2017?

Does anyone know if TT Deluxe automatically uploads data from Vanguard or Fidelity?
by tennisplyr
Fri Jan 19, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1303

Which tax software for 2017?

Both DW and I are retired and moved to a state with no income tax. We both collect SS and have typical interest and dividend income. In the past we lived in NY and had significant itemized deductions and I filed with Turbotax Premier. Going forward, I think using that software would be overkill and ...
by tennisplyr
Thu Jan 18, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4631

Re: Anyone pondering moving to a cheaper place and downsizing?

Just did this over the past year. Sold in NY and moved to FL. Bigger house, taxes 1/6 of NY property taxes, no heating bill, no state income tax, low utility bills, low insurance costs, etc etc. one of the best decisions eva!! Just got back from a trip to Tampa for the New Year. Sarasota is a great...
by tennisplyr
Wed Jan 17, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington or Target Retirement 2025
Replies: 9
Views: 877

Re: Wellington or Target Retirement 2025

I'm not your typical BH, but I've had both for a number of years and am satisfied....retired 7 years.
by tennisplyr
Wed Jan 17, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20132

Re: Anyone disenchanted with retirement? -- Not me.

Just hit 7 years in retirement and things seem to be going fast, but well for me. Was wondering if anyone has been disappointed with retirement and maybe went back to work, and went did that hit? tennisplyr: I retired 36 years ago at the age of 57. Unquestionably one of the best decisions of my lif...