Search found 1325 matches

by tennisplyr
Fri Nov 24, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 53
Views: 3460

Re: Regrets for taking SS at 62 or waiting?

Took it @62 with no regrets! We figured a bird in the hand is worth 2 in the bush.
by tennisplyr
Fri Nov 24, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 24
Views: 889

Re: Should I Pay Off My Mortgage When I Retire?

I paid mine off @62 and am satisfied. Mine was 4.25%. Whatever works for you.
by tennisplyr
Tue Nov 21, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 151
Views: 9991

Re: Why not take Social Security at 62

My wife and I took it @62 and never looked back. I have no idea how long I'm going to live but I know what my expenses are today. Glad I did! Can you elaborate? Does this mean you needed SS to cover your current expenses? Was this decision made more from emotion than calculation? You never looked b...
by tennisplyr
Tue Nov 21, 2017 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 151
Views: 9991

Re: Why not take Social Security at 62

My wife and I took it @62 and never looked back. I have no idea how long I'm going to live but I know what my expenses are today. Glad I did!
by tennisplyr
Mon Nov 20, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at the top
Replies: 19
Views: 1330

Re: Investing at the top

Toons wrote:
Mon Nov 20, 2017 5:34 pm
Invest(that word indicates at bare minimum 10 years) at the top ,bottom,middle,whatever.
Put the compounding machine to work for you ASAP.
Do yourself a favor and ignore the daily numbers :-)
+1
by tennisplyr
Fri Nov 17, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 606

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

Wouldn't get involved with Sunpass, just pay out of pocket, fees are modest. Lots of alternatives, don't worry.
by tennisplyr
Thu Nov 16, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Mother in retirement: Withdraw annually or monthly?
Replies: 19
Views: 1960

Re: Mother in retirement: Withdraw annually or monthly?

You didn't say how old she is or how savvy, you may want to go for once/year for simplicity. I know my wife would want that.
by tennisplyr
Thu Nov 16, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1789

Re: Honda Accord Hybrid EX-L- great deal or not?

protagonist wrote:
Wed Nov 15, 2017 11:59 am
I'm actually rethinking and may opt for a Civic EX Hatchback instead.

I doubt that I can get nearly as good a deal on the Civic Hatchback, but I like the idea of more cargo space and ease of city parking.

I'm suffering from analysis paralysis.

Just bought the '17 Hatch in silver and love it!!!
by tennisplyr
Thu Nov 16, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 177
Views: 12502

Re: The 4% rule DOES fail but still makes sense!

Have common sense and judgement been totally taken off the table?
by tennisplyr
Wed Nov 15, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1789

Re: Honda Accord Hybrid EX-L- great deal or not?

I have a regular 2016 Accord EX that gets close to 40 mpg highway for way less money. I don't see the need for a hybrid.
by tennisplyr
Tue Nov 14, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9695

Re: Retirees: I got this!!

Out of curiosity for those of you who have "opened the spigot", what do you spend money on now that you didn't before? Opened the spigot. Lifestyle Creep Bought my first iPhone 7+ instead of the cheapest "flip phone". New MacBook Pro with all the goodies instead of upgrading my ancient one. Bought ...
by tennisplyr
Tue Nov 14, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5204

Re: Keurig died...what now?

My daughter showed me a cool trick. Take a simple expresso maker, add grounds and voila, a single cup of coffee.
by tennisplyr
Sun Nov 12, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9695

Re: Retirees: I got this!!

Great answers! I've been pretty lucky to have retired during this extended bull market while also downsizing from m a HCOL area. Seems like I have a bunch of options going forward so I feel pretty good :happy
by tennisplyr
Sat Nov 11, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9695

Retirees: I got this!!

Of those BHs who've been retired a while, I was wondering when you really started feeling comfortable about your finances in retirement. That is, where you thought it's highly unlikely that you'd run into massive distress about your investments. I've been retired almost 7 years and find myself feeli...
by tennisplyr
Fri Nov 10, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Line Of Credit ??.......
Replies: 16
Views: 1346

Re: Equity Line Of Credit ??.......

I've had HELOCs and have used them for various unforeseen expenses. I've since moved to a new place, no mortgage and plan to get another. Retired, in my midsixties.
by tennisplyr
Fri Nov 10, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 12762

Re: The fear of retirement, black swan, and math to dissuade the fear.

EnjoyIt, some of your reasoning is a tad debatable, as other posters pointed out. But still, you are on the right track. The key here is really flexibility and adaptability. Which are the antithesis of this non-sensical 4% rule, and the "plan for the worst" mentality. - You need a system by which y...
by tennisplyr
Thu Nov 09, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 12762

Re: The fear of retirement, black swan, and math to dissuade the fear.

IMHO for anyone with half a head on their shoulders, there's a greater likelihood of dying with a boatload on money than dying broke. Lose the fear and believe!
by tennisplyr
Thu Nov 02, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3471

Re: Car battery?

I'm finding batteries last ~3 years.
by tennisplyr
Sun Oct 29, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Performance of Actively Managed Account...
Replies: 16
Views: 1092

Re: Performance of Actively Managed Account...

So you're obviously out tens of thousands of dollars, I know what I would do.
by tennisplyr
Sun Oct 29, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5816

Retirees: which websites do you spend the most time on?

Hi fellow retirees, I was wondering which websites you spend most of your time on, not necessarily financial sites but any sites. Of course I like BH, but enjoy Instagram and Facebook and some tennis sites. Looking for some ideas.
by tennisplyr
Sun Oct 29, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 -- Ten Years Thoughts?
Replies: 45
Views: 5290

Re: S&P 500 -- Ten Years Thoughts?

Retired, midsixties.....if it weren't for market investing, I'd still be working!
by tennisplyr
Sat Oct 28, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2195

Re: Vacation ideas in Jan/Feb?

We've done cruises out of Florida into the Caribbean for the last couple years in January/February. We were very fortunate with the weather with highs around 80 degrees. With one child, you might find the kids clubs are something he'd enjoy since he'll have playmates and you and your spouse can hav...
by tennisplyr
Fri Oct 27, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 10039

Re: Emotional impact of spending down assets?

When you're a saver, you are a saver. Just because you are in your later years I wouldn't expect that mentality/behavior to change very much. I'm not in that situation yet, but I love being a cheapskate!
by tennisplyr
Thu Oct 26, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Financial Critical Mass
Replies: 13
Views: 2244

Re: Financial Critical Mass

Ah yes, the ability to "live life on your own terms"
by tennisplyr
Tue Oct 24, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Equifax TrustedId
Replies: 2
Views: 544

Equifax TrustedId

So I signed up for TrustedId as a result of the Equifax data breach. DW and I are now receiving alerts constantly for every little thing, eg, paying a credit card balance, address change. This is going to be fun. Multiply this time the number of credit accounts we have and I expect constant alerts. ...
by tennisplyr
Mon Oct 23, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Periodically Given Company Shares
Replies: 10
Views: 629

Re: Periodically Given Company Shares

I was in s similar situation years ago. I held them until I needed some dough for a vacation, car, etc...just my choice.
by tennisplyr
Thu Oct 05, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Best places to retire in 2018
Replies: 4
Views: 1380

Best places to retire in 2018

US News & World Report just rated Sarasota, FL as the best place to retire, but I already knew that...lucky me :wink:

https://money.usnews.com/money/retireme ... 18?slide=2
by tennisplyr
Wed Oct 04, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Where/when to get good deals on athletic shoes
Replies: 24
Views: 1486

Re: Where/when to get good deals on athletic shoes

I get my shoes online at (often offer free shipping):

www.holabirdsports.com

www.tenniswarehouse.com
by tennisplyr
Tue Oct 03, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1298

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

Lots of great French food, hard to go wrong.
by tennisplyr
Tue Oct 03, 2017 7:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4364

Re: Retirement Class of 1998 (Sheepdog's Experience)

Congratulations and thanks so much for sharing! We need more positivity here, the fear and angst surrounding retirement needs to be balanced by the wonderfulness and opportunity that exist--retired 6 years.
by tennisplyr
Mon Oct 02, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 10065

Re: Current Bull Market could last years

We just don't know and everyone's circumstances are different. We do have choices to make.
by tennisplyr
Sun Oct 01, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3126

Re: Reach out to hiring manager directly on LinkedIn?

Go for it! It shows all sorts of positive characteristics. I once did the equivalent and landed the job. Nothing ventured, nothing gained. As I see ii, there are virtually no negatives.
by tennisplyr
Sun Oct 01, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 4937

Re: How much liquid Cash to Keep in Savings

I would keep 6 months for an emergency fund. The difference between keeping $40k and $20k in terms of missed investment opportunities is negligible.
by tennisplyr
Sat Sep 30, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 4689

Re: Which bogleheads have a "high need to take risk"?

Once in a while I feel I could "do better" than 50/50 but then I tell myself stop being greedy. I'm in a good place, retired, in my midsixties.
by tennisplyr
Fri Sep 29, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: What products do you think will outpace inflation?
Replies: 16
Views: 1433

Re: What products do you think will outpace inflation?

You may not believe this. When I took up tennis in the mid-70s, a can of tennis balls retailed for $1.99. Today I bought some of the same brand for $1.97....pretty amazing I'd say. Can't think of another product like this. Of course, this significantly lags inflation. :happy
by tennisplyr
Fri Sep 29, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments?
Replies: 18
Views: 2420

Re: Fisher Investments?

Lots of TV ads down here of his. He doesn't seem to believe in annuities.
by tennisplyr
Fri Sep 29, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 2894

Re: Seattle in 3 days

The duck boat tours are very fun.

http://www.ridetheducksofseattle.com/
by tennisplyr
Fri Sep 29, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: House sale windfall investment
Replies: 9
Views: 1042

Re: House sale windfall investment

Last year I put my house sale money in an Ally Savings accounts....have since used some to buy a new place.
by tennisplyr
Wed Sep 27, 2017 7:29 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6691

Re: I'm shocked!

Leave her alone. I remember my mom only had CDs and I thought of telling her about funds but didn't. Glad I didn't, the market tanked just when she needed it most.
by tennisplyr
Wed Sep 27, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: $7 flights on RyanAir
Replies: 36
Views: 3929

Re: $7 flights on RyanAir

My belief: "if it sounds to good to be true, it probably is"
by tennisplyr
Mon Sep 25, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Calculators
Replies: 18
Views: 2546

Re: Retirement Calculators

Well if you crunch the savings numbers and put in 0% growth that might be a worst case scenario. Remember when your reach retirement you likely can control your expenses. FYI, when I was 40 I had virtually zero investable assets and made it happen....now in my midsixties, retired and enjoying. It's ...
by tennisplyr
Mon Sep 25, 2017 7:07 am
Forum: Investing - Help with Personal Investments
Topic: can I rely solely on the value of my home to retire?
Replies: 25
Views: 2961

Re: can I rely solely on the value of my home to retire?

You probably will be fine but some of that will be needed for a new place to live. When I retired my home was 1/2 of my net worth. I've since downsized and bought another house in a LCOL area and am doing well.
by tennisplyr
Sun Sep 24, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: "Fidelity and Vanguard Online Fraud Policies"
Replies: 11
Views: 2256

Re: "Fidelity and Vanguard Online Fraud Policies"

Thanks, I've done this for both firms. Was a little surprised that Fidelity was a bit stronger. I chose an option where if someone tries to alter my personal info or make a transaction, a security code would be sent to my cell phone before that action could take place. VG doesn't have that process.
by tennisplyr
Sun Sep 24, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8740

Re: Age you retired

61....work is overrated.
by tennisplyr
Sat Sep 23, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: cataract surgery: accommodating vs multifocal lens implants
Replies: 15
Views: 1061

Re: cataract surgery: accommodating vs multifocal lens implants

Had cataract surgery last month where I went for astigmatism correction (~$2000 OOP) with a distance lens done via laser. Surgery was a breeze....took a few minutes and my bandage was off by noon the same day. Doctor said I could have played tennis the next day but I waited a few days. Outside of ta...
by tennisplyr
Thu Sep 21, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Credit freeze or fraud alert?
Replies: 18
Views: 1323

Re: Credit freeze or fraud alert?

I went with a freeze on the big 3 and I'm not a fearful guy. Think it's the best choice in a crappy situation. Of course it's not fool proof but it works for me.
by tennisplyr
Thu Sep 21, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 6219

Re: Getting over emotional attachment to house

Moved from my home of 35 years in NY and never looked back. Love where we are now, virtually always sunny. Expenses are much less and people are generally happy and friendly. I got over the memories part of it after a little while and am creating new memories. I was never one to live in the past.......
by tennisplyr
Tue Sep 19, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2505

Re: Convertible in Florida or not...

Personally I never owned one or had the urge. Have been in them several times and didn't see the allure. We have sun/moonroof and occasionally enjoy driving with it open. If you can afford it and it appeals to you, do it, you can always just keep it closed, I suppose.
by tennisplyr
Mon Sep 18, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: My in-laws' nest egg of $50k
Replies: 34
Views: 4427

Re: My in-laws' nest egg of $50k

Maybe get a part time job like packing groceries....plenty of retirees in my area do it. Probably would make them feel a bit more secure.