Search found 1881 matches

by tennisplyr
Mon Dec 10, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 29
Views: 1913

Re: Spotify or Amazon Music?

I really enjoy Spotify.
by tennisplyr
Mon Dec 10, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess )
Replies: 15
Views: 696

Re: To each his own ( I guess )

Whatever makes you happy, it's your life.
by tennisplyr
Sun Dec 09, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Christmas Tree Fire: Watered Tree vs. Dry Tree
Replies: 14
Views: 1530

Re: Christmas Tree Fire: Watered Tree vs. Dry Tree

Yes, I keep reminding my daughter to water her tree!
by tennisplyr
Sat Dec 08, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: options to cover next 10 years before SS
Replies: 34
Views: 2041

Re: options to cover next 10 years before SS

Why not take SS at 62 and let the investments grow. At 70 you're getting paid with inflated dollars and have a looong time to breakeven.
by tennisplyr
Fri Dec 07, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: Why are market corrections "healthy"?
Replies: 27
Views: 1974

Re: Why are market corrections "healthy"?

It's healthy in the sense that it shows the investor that the market doesn't always go up.
Sadly these TV guys just love to talkl
by tennisplyr
Fri Dec 07, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10780

Re: Retirement itch- when did you get it?

In my fifties, hated work, retired @61
by tennisplyr
Fri Dec 07, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Retirement planning--how many years of cash equiv should I aim to have?
Replies: 16
Views: 2299

Re: Retirement planning--how many years of cash equiv should I aim to have?

IMO many questions on this forum ask "what should I do" rather than "what are you doing". The latter will give you insight into peoples' behavior and how they feel things are going. There's no right or wrong. That said, I've been retired ~8 years and have roughly 5% in cash...for me I sleep at night...
by tennisplyr
Sat Dec 01, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 9994

Re: Why is Costco gas so much cheaper

Where I live Costco's price is maybe 10 cents lower than other major brands. Costco has almost 100 million members times their membership fee = beaucoup bucks.
by tennisplyr
Sat Dec 01, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move to a more conservative AA? 80/20 to 60/40?
Replies: 67
Views: 4430

Re: Should I move to a more conservative AA? 80/20 to 60/40?

You have time in your side, I would stay at 80/20. Many in their 60s and beyond are at 60/40....you have plenty of time for that.
by tennisplyr
Sat Dec 01, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 5998

Re: I'm up 5% ytd and I will take it

The market is not worth keeping track of day to day and hardly worth tracking year to year or worrying about. Every investor should have a 50+ year time horizon and pretty much ignore financial movements and news. How can a 61 year old have a 50+ year timeline. My asset allocatio Reflects my shorte...
by tennisplyr
Fri Nov 30, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: "The Steak Dinner Annuity Pitch"
Replies: 60
Views: 7147

Re: "The Steak Dinner Annuity Pitch"

Did it once, never again. No such thing as a free lunch.
by tennisplyr
Mon Nov 26, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Monte Carlo failure tolerance?
Replies: 54
Views: 3734

Re: Monte Carlo failure tolerance?

I would never rely on one piece of information.
by tennisplyr
Mon Nov 26, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Am I too risk averse?
Replies: 45
Views: 3357

Re: Am I too risk averse?

If I were you, I would keep doing what your doing. There's nothing wrong with capital preservation....why take on unnecessary risk?
by tennisplyr
Sun Nov 25, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 52
Views: 5702

Re: pros and cons of target date funds?

One procedural thing is when you want to let's say sell a portion of bonds in retirement, you can't target bonds to sell. Not a huge deal though.
by tennisplyr
Sun Nov 25, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or use an accountant
Replies: 14
Views: 1475

Re: Turbo Tax or use an accountant

Used CPA for a few years and found TT was better for me....and much cheaper. TT is very easy to follow.
by tennisplyr
Sun Nov 25, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Not Itemizing. Can I use Turbotax Basic? or Why not?
Replies: 11
Views: 1212

Re: Not Itemizing. Can I use Turbotax Basic? or Why not?

So, I'm retired collecting SS and probably will take the standard deduction. I have interest, dividends, capital gains, so I can use Basic (last year used TT Deluxe)?
by tennisplyr
Sun Nov 25, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Draw Question
Replies: 32
Views: 2911

Re: Social Security Draw Question

For what it's worth, delaying SS will be paying you in inflated dollars. We've collected since 62....at least I know that if we pass away today I have significantly more money than I would have had if I waited ($0).
by tennisplyr
Sun Nov 25, 2018 8:20 am
Forum: Investing - Theory, News & General
Topic: "Anchor Strategy"?
Replies: 9
Views: 1673

Re: "Anchor Strategy"?

There in it to make money, no???
by tennisplyr
Sun Nov 25, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Need Gift Ideas for 25 Year Old Male
Replies: 16
Views: 1459

Re: Need Gift Ideas for 25 Year Old Male

How about some cologne...Yves St Laurent, Versace.
by tennisplyr
Sun Nov 25, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Affordable Furniture for first adult apartment
Replies: 29
Views: 2517

Re: Affordable Furniture for first adult apartment

IKEA would be good, we've got some stuff there for our second home.
by tennisplyr
Sun Nov 25, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Unsatisfactory Hotel Experience
Replies: 27
Views: 2927

Re: Unsatisfactory Hotel Experience

Yes you should complain. We've had similar experiences and received a night free. If you don't ask, you don't get. Just last week I got a free round trip flight from a major airline for a major delay.
by tennisplyr
Fri Nov 23, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with Reality
Replies: 20
Views: 3556

Re: Dealing with Reality

This Vanguard tool can help you to determine your asset allocation.

https://personal.vanguard.com/us/FundsInvQuestionnaire
by tennisplyr
Fri Nov 23, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5423

Re: New TV Recommendations Please?

Got a Samsung 50" Ultra HD/4K TV a year ago at Costco and like it/no issues.
by tennisplyr
Fri Nov 23, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 50
Views: 4219

Re: What financial advice have you been most grateful for?

A friend of ours told us to invest in Fidelity Contrafund many years ago....I subsequently got into mutual funds :beer
by tennisplyr
Thu Nov 22, 2018 1:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Thanksgiving to all
Replies: 19
Views: 1002

Re: Happy Thanksgiving to all

We just lost a dear friend of ours overnight. We should all take the time to be thankful for all that we have today...
by tennisplyr
Thu Nov 22, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 58
Views: 7818

Re: A lot of us expected a US stock "pull back" is this it?

The S&P 500 is still up from 1 year ago, corporate earnings are at all-time highs and still rising, and PE10 is still at about 30. To me, what's happened in the past couple of months is not even worth talking about. If anyone thinks this is testing their ability to stay-the-course, they're in way t...
by tennisplyr
Tue Nov 20, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Two month plunge in oil- again today
Replies: 5
Views: 739

Re: Two month plunge in oil- again today

Yeah but I bought gas today at Costco for $2.29/gallon.
by tennisplyr
Tue Nov 20, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: technology index funds
Replies: 18
Views: 1513

Re: technology index funds

I've had a very small proportion in a Fidelity tech fund for years, very satisfied.
by tennisplyr
Tue Nov 20, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5424

Re: How to Withdraw Money in Retirement, Following a Down Year

For what it's worth, I tend to withdraw from whatever is up.
by tennisplyr
Tue Nov 20, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13087

Re: Can someone explain what's going on..........

Relax, enjoy your Thanksgiving. All things end, both the good and the bad. All you can control is the way you react to these things,
by tennisplyr
Mon Nov 19, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5856

Re: The psychology of withdrawing from your portfolio

Fortunate enough to have retired in early 2011. Basically we've been taking what we need within reason. A couple of years ago we downsized to a LCOL which helps. My secret: don't do anything stupid, had a bit of market luck, stayed positive (see my signature).
by tennisplyr
Mon Nov 19, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29197

Re: [Financial] Habits of the Rich

Sometimes life isn't about money....balance is hugely important.
by tennisplyr
Mon Nov 19, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3698

Re: Men's crew neck t-shirts

I like Hanes products....inexpensive and comfortable.
by tennisplyr
Mon Nov 19, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8225

Re: Current Retirees: Do you touch your principal?

Retired almost 8 years and living off SS and investments. Surely some of that is "principal" but given my downsizing and market performance overall things are up.
by tennisplyr
Sat Nov 17, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Update Re: Hubby soon to be laid off
Replies: 26
Views: 4895

Re: Update Re: Hubby soon to be laid off

Great news. These things do happen, after being downsized in my late fifties, I found a good job at a Fortune 100 company which I subsequently retired from.
by tennisplyr
Fri Nov 16, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6338

Re: Cremation seminar – with complimentary lunch

What if you choke to death on your lunch do you get a free cremation?
by tennisplyr
Fri Nov 16, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1807

Re: One food I could never give up

Pizza
by tennisplyr
Fri Nov 16, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1807

One food I could never give up

Finish this sentence: "The one food I could never give up is..."
by tennisplyr
Fri Nov 16, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 11
Views: 2070

Re: Fisher Investments

They're killin' it with your money.
by tennisplyr
Thu Nov 15, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4575

Re: Accuracy of Zillow/Trulia/Redfin Estimates

Different methods yield different estimates...no right or wrong.
by tennisplyr
Wed Nov 14, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone change career/ start over again?
Replies: 8
Views: 1893

Re: Anyone change career/ start over again?

If you haven't already, you may want to do some research on career changes. When I was 40 I left my corporate job which I hated to go into my own business. It wasn't for me so I went back to my old industry and tried to take the bad with the good. I hung in there with a series of downsizings, merger...
by tennisplyr
Wed Nov 14, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 1950

Re: Teaching young folks how to save for retirement

Work/earn money, live within your means, save/invest....rinse, repeat.
by tennisplyr
Wed Nov 14, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4469

Re: Does Early Retirement Make You Live Longer?

My mom lived til 93 and she worked til 82.
by tennisplyr
Wed Nov 14, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7339

Re: Honda reliability slipping?

Owned Hondas since 1983, many with well over 100k on them. Presently own an Accord EX and Civic Hatchback. Have not noticed any declines. The batteries may be going a bit quicker, maybe. Never owned a Toyota.
by tennisplyr
Tue Nov 13, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8172

Re: Finances in NYC

Obviously, NYC is more expensive, crowded and more time consuming to navigate. In terms of opportunity, entertainment and culture it is outstanding. At the end of the day, you'll have to decide if it has more appeal than you're current spot or some other. I lived/worked there my entire adult life an...
by tennisplyr
Sat Nov 10, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 57
Views: 4312

Re: Which one: Lyft or Uber?

So just got back from NYC and used Lyft to go from Brooklyn to JFK, cost around $50 (with a 5 am pickup, no wait). When I went to Brooklyn from JFK, a cab cost ~$80 :annoyed
by tennisplyr
Sat Nov 10, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 5108

Re: Moving to NYC without a job

Born in Brooklyn, NY many, many years ago and lived in NY most all of my life. There's no place like it in the world! There's lots of opportunities and salaries are probably higher than many parts of the country but there's also lots of competition. If you like a challenge, are flexible and willing ...