Search found 1278 matches

by tennisplyr
Thu Sep 21, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 69
Views: 5149

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: 36
Views: 1962

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: 4124

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.
by tennisplyr
Sat Sep 16, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Websites for last minute travel?
Replies: 5
Views: 972

Re: Websites for last minute travel?

Here are a couple, first for cruises and second for hotels:

www.vacationstogo.com
www.hoteltonight.com
by tennisplyr
Sat Sep 16, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Honda Customer Care - It Was Worth the Call
Replies: 6
Views: 1309

Re: Honda Customer Care - It Was Worth the Call

I had a similar deal in NY. My Civic and Accord had free oil change for 2 years and free inspection and toeing for 3 years. I was not charged for these programs. To add, when I came to FL, a dealership honored my oil change deal.
by tennisplyr
Fri Sep 15, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4527

Re: Milestone Reached - "Quarter Millionaire!"

Congrats! It's never too late. I had basically zero in my early forties, now in my midsixties, happily retired. Keep working hard, saving/investing, living below your means....and never give up!
by tennisplyr
Fri Sep 15, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 15
Views: 1516

Re: Free credit monitoring for AAA members

oldcomputerguy wrote:
Fri Sep 15, 2017 7:14 am
tennisplyr wrote:
Fri Sep 15, 2017 7:05 am
Just got an email from AAA where it offers free credit monitoring for its members. Anyone use this?
I'm not a AAA member but I am curious, do they say whose monitoring services will be used?
Experian
by tennisplyr
Fri Sep 15, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 15
Views: 1516

Free credit monitoring for AAA members

Just got an email from AAA where it offers free credit monitoring for its members. Anyone use this?

https://autoclubsouth.aaa.com/membershi ... nefit.aspx
by tennisplyr
Tue Sep 12, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8575

Re: Retirees-anyone miscalculate how much was needed?

Retired in early 2011....a pretty good time. Also downsized my home last year. Those two factors have buoyed me pretty darn well. Expenses are fine and we're pretty reasonable people, we should be fine. PS, just weathered Hurricane Irma so we're grateful and have a good perspective.
by tennisplyr
Mon Sep 11, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Freezing your credit??
Replies: 15
Views: 1531

Freezing your credit??

Based on the breach at Equifax, we're seriously considering freezing our credit. Was wondering how many of you have done it and what do you recommend regarding the process. Thanks.
by tennisplyr
Sun Sep 10, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12339

Re: Florida Hurricanes: When and where to go?

Looks like the storm has reached us, staying in place and have done all recommended preps. I'm hopeful!!
by tennisplyr
Thu Sep 07, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3086

Re: Dividends and Withdrawal Rate

I understand that the "experts" categorize dividends as a withdrawal from your portfolio. But it just feels a lot safer than selling shares to fund withdrawals. I personally do not consider taking a 2% dividend as a 2% withdrawal from my portfolio. That may be how you feel emotionally, but it's not...
by tennisplyr
Wed Sep 06, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3086

Re: Dividends and Withdrawal Rate

Dividends taken are funds taken from your investable assets....hence withdrawals.
by tennisplyr
Tue Sep 05, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 7939

Re: Do retiree BHs actually run down their portfolios?

Retired 6+ years and my portfolio is at an all time high. I don't have a withdrawal rate as I take out what I need. My belief is no matter what life deals me I can handle it.
by tennisplyr
Sun Sep 03, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12339

Re: Florida Hurricanes: When and where to go?

Just bought a home built with poured concrete and steel and plan to stay put....in a relatively new house built with newer hurricane codes. I'm not on the immediate coadt. Do the hurricanes know, understand and will abide by the codes? Lived through Super Storm Sandy, countless Nor'easters, blizzar...
by tennisplyr
Sun Sep 03, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 48
Views: 2934

Re: How to break into new field?

Need to take a step or two back. Perhaps do some volunteering in a new field, take a class or two or do some part time work. There are no short cuts but if you put in the time and effort you can do it, my wife did in her fifties.
by tennisplyr
Sun Sep 03, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12339

Re: Florida Hurricanes: When and where to go?

Just bought a home built with poured concrete and steel and plan to stay put....in a relatively new house built with newer hurricane codes. I'm not on the immediate coadt.
by tennisplyr
Fri Sep 01, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 20
Views: 3750

Re: Wellesley and Wellington instead of VTINX?

Also, Wellington and Wellesley expense ratio is almost twice that of Target Income. But twice negligible is still nearly negligible! At one time I had both Ws and felt the (tiny) extra expense was worth the advantage of their apparently very effective management. I only switched to TSM and TBM when...
by tennisplyr
Fri Sep 01, 2017 7:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1035955

Re: U.S. stocks in freefall

All things will end...both the bad and the good.
by tennisplyr
Wed Aug 30, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 20
Views: 3750

Re: Wellesley and Wellington instead of VTINX?

Also, Wellington and Wellesley expense ratio is almost twice that of Target Income.
by tennisplyr
Wed Aug 30, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9165

Re: Companies/Brands You Love?

Starbucks
Honda
by tennisplyr
Wed Aug 30, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 2787

Re: Learning from loss

Many of those here have experienced some significant investment losses over the years. What have you learned about investing, and maybe about yourselves from these financial losses? Are you referring to an actual loss (selling an asset at a price lower than you paid), or a reduction in value of an ...
by tennisplyr
Wed Aug 30, 2017 6:54 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7148

Re: How much sooner could you retire with NO property taxes?

Been retired for 6 years and just moved from NY where taxes were 6 times higher than they are here. I'm telling you it helps a lot not be be hammered by those property taxes in retirement.
by tennisplyr
Tue Aug 29, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 2787

Learning from loss

Many of those here have experienced some significant investment losses over the years. What have you learned about investing, and maybe about yourselves from these financial losses?
by tennisplyr
Sun Aug 27, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 9516

Re: Best place to get eyeglasses / no vision insurance

Costco question.....I have frames that I've never used and a prescription from my ophthalmologist, would they accept those?
by tennisplyr
Sat Aug 26, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 64
Views: 6671

Re: Adjusting AA as retirement nears

I retired 6 years ago @ 50/50 and am still @ 50/50. If market goes south I watch my spending, if things go north I watch my spending less.....I try to enjoy life, it goes fast.
by tennisplyr
Wed Aug 23, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2937
Views: 863179

Re: What Movie Have You Recently Watched?

The Big Sick....hard not to like it. :thumbsup :thumbsup
by tennisplyr
Mon Aug 21, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14501

Re: How far would you travel to see The Eclipse?

Saw a crescent at peak with glasses, pretty cool. Also temp seemed to drop a bit here in FL.
by tennisplyr
Sun Aug 20, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3144

Re: Leasing a vehicle

There are people that will give you a blanket answer that leasing is bad... however I've leased twice because the specials both times were phenomenal. I don't put a lot of miles on cars so I'm ok with 10-12k mikes/year. +1. Amen! We've been leading for 20 years and love it, why would I want to own ...
by tennisplyr
Sat Aug 19, 2017 10:50 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 81
Views: 5400

Re: Home Page Updated

Typeface seems much smaller, any suggestions?
by tennisplyr
Fri Aug 18, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: Irrational Despair?
Replies: 39
Views: 5768

Re: Irrational Despair?

I'm an eternal optimist and believe that things will work out well. If anyone is aware of the concept of the "Law of Attraction" that's me. Basically you attract into your life what you think about.
by tennisplyr
Mon Aug 14, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7226

Re: "Honesty like that is rare!"

Thanks Taylor....it's kinda like sometimes less is more.
by tennisplyr
Sun Aug 13, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Testing Our Allocations Emotionally
Replies: 26
Views: 1804

Re: Testing Our Allocations Emotionally

I think recency bias has caused people to think that -40% represents a bad drop and subsequent quick recovery means they can stay the course. While 2008 was very scary we were very lucky in the final outcome. If you want to test your resolve try -80%, no recovery for 10 years, significant unemploym...
by tennisplyr
Sun Aug 13, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Testing Our Allocations Emotionally
Replies: 26
Views: 1804

Re: Testing Our Allocations Emotionally

I did nothing in 2008. I think the fact that significant downturns have occurred several times over the past decades and the market has come back. One's ability to weather the storms is supported by many factors which can change over time. For me, I continue to believe "this too shall pass".
by tennisplyr
Fri Aug 11, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3146

Re: Feeling guilty about travel expenses

Life is to be lived....within reason
by tennisplyr
Fri Aug 11, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2627

Re: Trip Cancellation Insurance.

Just booked a cruise with Citibank credit card and have coverage.
by tennisplyr
Wed Aug 09, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Making a Direct Offer to Purchase a Home
Replies: 28
Views: 2566

Re: Making a Direct Offer to Purchase a Home

We just bought our present home before it hit the market. We heard about it through a friend months before it was to go on. We saw it and liked it very much. We took a look at comparable in the area and asked the buyer what she was going to ask when it went on the market. Since there would be no bro...
by tennisplyr
Tue Aug 08, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2169

Re: Advise on house selling

Thanks for all the great replies - really helps. I think I'm going to go with the realtor route - I really don't know what I'm doing and seems like a decent price to keep the whole process as stress free as possible for us. One thing we are contemplating doing is buying our new place and moving in ...
by tennisplyr
Tue Aug 08, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8032

Re: kids think lazy if retire?

Two thoughts:

-What others think of you should have no affect on what you think of yourself.
-What others think of you is none of your business.
by tennisplyr
Mon Aug 07, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2169

Re: Advise on house selling

Sold my home in NY last summer with a broker...we negotiated the fee a bit. She was helpful in setting up the house, showing it and set realistic expectations. Things worked out well. A couple of tips: -Declutter, get rid of things you don't need -Paint the outside and have some nice flowers (curb a...
by tennisplyr
Mon Aug 07, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4338

Re: Help me pick a car

Honda Civic, just test drove one and liked the new design.....got myself the Hatchback. Good value car.
by tennisplyr
Thu Aug 03, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Amex High Yield Savings Questions
Replies: 6
Views: 871

Re: Amex High Yield Savings Questions

I have an Ally savings account @ 1.15% and have had no problems with it, transferring or otherwise.
by tennisplyr
Wed Aug 02, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 23737

Re: How much money do you need to retire?

FYI, so all of the younger folks don't get scared out of their minds, I'm in mid sixties, retired ~6 years and am living very nicely on far less than the millions reported here. To each his own, but worrying about not having enough when you are in the millions is foolish, there are lots and lots of ...
by tennisplyr
Tue Aug 01, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: How do I shop around for a HELOC?
Replies: 9
Views: 1150

Re: How do I shop around for a HELOC?

I used to have one through Chase and was glad I did, it came in handy with home improvement, car buying and wedding fees. I also heard Penfed was good. Just bought a new home and will be getting one.
by tennisplyr
Tue Aug 01, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1469

Re: Florence Hotels.......

Stayed at the Orto Dei Medici several times, lovely little place in a great location.

http://www.ortodeimedici.it/
by tennisplyr
Mon Jul 31, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11331

Re: Your "at peace" moments.

Sitting on the beach listening to the water and seagulls, smelling the fresh sea air and taking in a sunny day. Hi tennisplyr - In Sarasota Florida? That is paradise! We have visited Siesta Key many times and always love it! Yes, since I learned how to make money here, might as well move to a nice ...
by tennisplyr
Mon Jul 31, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Withdrawal rates
Replies: 11
Views: 1457

Re: Withdrawal rates

If she really wants to move up, then tell her she's going to be fine. If she's happy being frugal, then let her be.
by tennisplyr
Sun Jul 30, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11331

Re: Your "at peace" moments.

I'm envious of you all. I just went through what we used to call when I worked in finance a "life altering event." I haven't found peace since then, and it really sucks. That said, getting finances lined up for the future helps. One day at a time. This too shall pass, I've had my share, stay hopefu...
by tennisplyr
Sun Jul 30, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11331

Re: Your "at peace" moments.

Sitting on the beach listening to the water and seagulls, smelling the fresh sea air and taking in a sunny day.