Search found 1690 matches

by tennisplyr
Sat Aug 18, 2018 7:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 35
Views: 3193

Re: Vanguard predicts 10 year equity returns

While it's good to prepare for the future, there is way too much discussion here about something we can't control.
by tennisplyr
Thu Aug 16, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 112
Views: 12344

Re: Very confused with the current market

Investing has been shown to be the best wealth builder. Get in, don't overthink it! Saving more and spending less should go ahead of "investing," if by that you mean stock market exposure. There are people who always chime in with "but without stocks, there is a risk you won't be able to achieve yo...
by tennisplyr
Wed Aug 15, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 112
Views: 12344

Re: Very confused with the current market

Investing has been shown to be the best wealth builder. Get in, don't overthink it!
by tennisplyr
Wed Aug 15, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3248

Re: Cleaning gas grill

I scrape grill with nylon brush and the pan with Dawn and water. Wipe clean with paper towels.
by tennisplyr
Tue Aug 14, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 90
Views: 7685

Re: As an American, where are some great places in the world to retire?

Sandtrap wrote:
Tue Aug 14, 2018 4:25 pm
1. Move from a HCOL area to a LCOL area.
2. Downsize.
3. America has some great places in the world as well.
(grandchildren, family, medical, shared culture).
j
May I add:
-weather
-relevant activities
-peer group?
by tennisplyr
Sat Aug 11, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2352

Re: Buying used car - advice requested

Maybe consider leasing a car. I know many here would argue against the financials of leasing but I've been doing do since 1995. Hey people rent places that they live in, why not a car? Thank you @tennisplyr for the suggestion. The renting a house analogy is an interesting one - could you give addit...
by tennisplyr
Fri Aug 10, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2352

Re: Buying used car - advice requested

Maybe consider leasing a car. I know many here would argue against the financials of leasing but I've been doing do since 1995. Hey people rent places that they live in, why not a car?
by tennisplyr
Fri Aug 10, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Tablet?
Replies: 16
Views: 1264

Re: Should I Buy a Tablet?

Love my iPad2. Virtually no use of a desktop or laptop anymore. Retired 7 years and basically start my day on my iPad.
by tennisplyr
Fri Aug 10, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4908

Re: Air Conditioning? [How to finance?]

I lived in a NY home for 35 years with no central A/C...thought to be too much of a luxury. A couple of well placed right-sized window units did the job. To me, if it's only a summer issue, central air is a bit much. It'll require regular maintenance and they don't last forever.
by tennisplyr
Tue Aug 07, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6411

Re: "Dollar Tree Store" favorites

toothpaste, deodorant, tooth picks, floss, sunglasses, towels for a quick home project so I can toss them later, kids toys, kids reward stickers, batteries, etc... This is my single favorite store. My wife hates me going there, but gotta love the price point on stuff I am not going to be keeping. B...
by tennisplyr
Tue Aug 07, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2140

Re: Best Counter Depth Side by Side refrigerator

We like our Samsung side by side with freezer draws on bottom. Water dispenser on the fritz but don't use it.
by tennisplyr
Mon Aug 06, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6411

Re: "Dollar Store" favorites

I buy lots of reading glasses there and some car cleaning supplies.
by tennisplyr
Mon Aug 06, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6411

"Dollar Tree Store" favorites

For those of you familiar with the Dollar Store where all items are $1, what do you buy there most often?
by tennisplyr
Mon Aug 06, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: February warm weather vacation
Replies: 19
Views: 1478

Re: February warm weather vacation

How about a Caribbean Island (or cruise to), we did that a lot when we were younger.
by tennisplyr
Sun Aug 05, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 21
Views: 2332

Re: Yogi said it. It must be true.

"Nobody goes to that restaurant anymore, it's too crowded"
by tennisplyr
Sat Aug 04, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24068

Re: most compelling TV character ever

Ray Romano (Everyone Loves Raymond)
by tennisplyr
Fri Aug 03, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: HELOC
Replies: 20
Views: 1343

Re: HELOC

Had one in the past and used it for a wedding, pay off car and home repairs. I don't have a mortgage now so am thinking of getting a HELOC to access my home's equity. When I got one a bunch of years ago there were no fees to open one.
by tennisplyr
Fri Aug 03, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4207

Re: Gated communities pros and cons? (Atlanta or anywhere.)

My wife really likes it, for me it's not that important. We're paying for it in higher HOA fees. It doesn't protect you from negative issues within the community. We've seen people get in the gate and use our facilities through slipshod gate keeping. If the overall area is suspect, I guess it's a go...
by tennisplyr
Fri Aug 03, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4435

Re: Which diet soda pop do you enjoy?

For very credible health reasons, I have stopped drinking any kind of soda/pop - whether with sugar or artificial sweeteners. On some occasions, I do have sparking water - such as Perrier or store brands. It's only took 7 replies for the self righteous to ignore the OP and talk about why they don't...
by tennisplyr
Thu Aug 02, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Honda Roadside Assistance any good?
Replies: 5
Views: 577

Re: Honda Roadside Assistance any good?

I had to use them a couple of years ago and it was fine.
by tennisplyr
Thu Aug 02, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4435

Re: Which diet soda pop do you enjoy?

Diet Coke, Diet Sprite, Diet Dr Brown Cream, Diet Mug Cream
by tennisplyr
Wed Aug 01, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Two Days on Long Island
Replies: 16
Views: 1478

Re: Two Days on Long Island

Here's a few things:

-Jones Beach (South Shore)
-Old Westbury Gardens
-Tour of wineries (a number are on the North Fork)
by tennisplyr
Wed Aug 01, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3206

Re: What’s your Value Colombian coffee?

Give Seattles Best a try....very reasonable...I love it!
by tennisplyr
Wed Aug 01, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2055

Re: How to Learn Italian (a little) Before Trip to Italy

How about a little pocket translator, English is widely spoken there. Ciao!
by tennisplyr
Mon Jul 30, 2018 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Firecalc Says No Benefit to a Higher Equity Asset Allocation??
Replies: 47
Views: 4505

Re: Firecalc Says No Benefit to a Higher Equity Asset Allocation??

b) all failure cases are treated equally. The 50/50 person might run out of money in year 29. The 100/0 person might run out in year 20. Here's the historical data for the US, the UK, and a global portfolio. I've highlighted the 100/0 and 50/50 portfolios but you can look at the others as well. htt...
by tennisplyr
Sun Jul 29, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3654
Views: 1038580

Re: What Movie Have You Recently Watched?

Just saw "Won't you be my neighbor".....what a guy Mr Rogers was...a genius, a humanitarian and a selfless man. You've got to see it!
by tennisplyr
Sun Jul 29, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: The Villages Florida
Replies: 14
Views: 4457

Re: The Villages Florida

Don't know anything about the Villages but here are some sites that might be useful.

www.nextdoor.com
www.city-data.com/forum/
by tennisplyr
Sun Jul 29, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 6340

Re: Retirees: how much cash?

But were you really selling stock in a down market? if you had bonds you were likely selling stock in your taxable account and then rebalancing into stock from bonds in your tax-sheltered accounts. Government and investment-grade bonds held their own during the 2008-2009 crisis, and even had positi...
by tennisplyr
Sat Jul 28, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 6340

Retirees: how much cash?

For those already retired, how much/what percent of your portfolio is cash (savings, checking, MM, CDs). How do you decide how much is cash? Do you expect to hold more/less as you age? Currently I'm holding ~7%, it seems a tad high.
by tennisplyr
Fri Jul 27, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9337

Re: Tips for staying active / injury-free into older age

From this retiree, keep doing what you're doing. Walking, running, jogging playing sports. Keep moving, just because you're aging doesn't mean you can't be active and do the things you've always done. I play tennis with people of all ages, sure I'm a bit slower but still compete and have fun. Injuri...
by tennisplyr
Wed Jul 25, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: indoor houseplants--your advice?
Replies: 19
Views: 1396

Re: indoor houseplants--your advice?

Succulents are pretty popular and relatively easy to keep.

https://www.thespruce.com/grow-healthy- ... ts-1902806
by tennisplyr
Wed Jul 25, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Invest in guaranteed return or stock market?
Replies: 73
Views: 3266

Re: Invest in guaranteed return or stock market?

JoeRetire wrote:
Wed Jul 25, 2018 11:55 am
RickBoglehead wrote:
Wed Jul 25, 2018 11:50 am
But if you expect more than 4% in the stock market over the long term, why accept 4%?
Because the 4% is guaranteed, while the market is not?
Some people in here can be so cynical and nasty, they should do something about it!
by tennisplyr
Tue Jul 24, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6780

Re: Daughter wants to travel on her own to Montreal

I spent a month in Italy with my cousin when I was around 20 and didn't speak with my parents til I got back....many years ago. If she's mature and responsible and is aware of dangers, I think it's fine. Montreal is fine with English speakers. With today's technology, it's very easy to keep in touch.
by tennisplyr
Mon Jul 23, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 65
Views: 6231

Re: I want to sell my home, but I don't want to fix it up

I was in a similar situation last year and did not do major work, the house sold in roughly 4 weeks in NY. The time and cost involved was not worth it. I would suggest the following: -paint the outside -ensure good curb appeal...nice lawn, flowers, etc -remove all clutter inside...less is more -make...
by tennisplyr
Fri Jul 20, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: do i need a lawyer when applying for a HELOC?
Replies: 12
Views: 1184

Re: do i need a lawyer when applying for a HELOC?

I've had them in the past with no attorney.
by tennisplyr
Wed Jul 18, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 23
Views: 2885

Re: The joys of investing

I like the challenge of using my smarts, temperament and what I've learned to make my finances work for us in retirement.
by tennisplyr
Wed Jul 18, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 23
Views: 2885

The joys of investing

Besides the obvious joy of making money by investing, what other things do you personally enjoy about investing your money in the market?
by tennisplyr
Sun Jul 15, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4707

Re: FireCalc: How big a grain of salt?

Reading through this thread, I am beginning to wonder how anyone retires without a constant fear of running out of money. Then that makes me wonder if anyone voluntarily retires or is everyone just forced out to live out their days in fear of financial calamity. No, no, no.....many in this forum ar...
by tennisplyr
Sun Jul 15, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4707

Re: FireCalc: How big a grain of salt?

I look at a few of the more well known calculators and see what their saying. Since I am retired, the more important question is what can/will I do when/if things get dicey. Life is good 😀
by tennisplyr
Sun Jul 15, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Spending profile in retirement
Replies: 19
Views: 1686

Re: Spending profile in retirement

I'm 7 years into retirement. Have said this many times, I spend what I need when I need it with an eye on my total portfolio. There are way too many moving parts and unknowns to worry about, but that's me.
by tennisplyr
Sat Jul 14, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Take 5% of Folio age 75 Onward?
Replies: 14
Views: 1783

Re: Take 5% of Folio age 75 Onward?

Do it, you only come this way once. Don't let fear rule you life.
by tennisplyr
Sat Jul 14, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2149

Re: How much does your accountant cost?

Dumped my accountant who was charging $250 for a simple return....do it myself now.
by tennisplyr
Fri Jul 13, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10032

Re: When does frugal cross the line to cheapskate?

When you've deprived yourself or others of something you could readily afford and would prefer just to not spend the money. When the goal is to not spend rather than to save money.
by tennisplyr
Wed Jul 11, 2018 6:42 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 10599

Re: Six stocks make up 98% of S&P 500 gains in 2018

Ron Scott wrote:
Tue Jul 10, 2018 3:53 pm
Isn’t it true that a handful of stocks have explained most of the growth in the market for most of history?
Rule of 80/20
by tennisplyr
Tue Jul 10, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Resume Question
Replies: 10
Views: 698

Re: Resume Question

To the extent that the jobs were different I would show that. Resumes are a summary of your work life and I have presented the things in it that show my experiences, strengths, uniqueness and fit with the job opportunity.
by tennisplyr
Mon Jul 09, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Beach Chair Recommendations
Replies: 6
Views: 709

Re: Beach Chair Recommendations

Rupert wrote:
Mon Jul 09, 2018 8:12 am
The Tommy Bahama ones bought at Costco (the ones with straps that you can wear like backpacks) are best. Mine don't have those sayings on them. They do have a Hawaiian-shirt-type pattern though along with "Tommy Bahama" written in large letters.
+1
by tennisplyr
Mon Jul 09, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4555

Re: Retirees...what’s your lunch menus?

Sometimes pizza/coke, sometimes ham sandwich, sometimes Costco sausage and pepper sandwich. I'm bad!