Search found 2146 matches

by tennisplyr
Sun May 19, 2019 4:44 pm
Forum: Personal Investments
Topic: Asset allocation when you don't expect to need the money
Replies: 13
Views: 1217

Re: Asset allocation when you don't expect to need the money

How about 70-80% in low cost equity index fund.
by tennisplyr
Sun May 19, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 179
Views: 10278

Re: FIRE - What am I missing in the News Stories

Some people--even highly paid ones--really hate their jobs!
by tennisplyr
Sat May 18, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1005
Views: 143640

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

So, if one really wants a new CRV with the 1.5l engine (I’m not currently looking for any vehicle), isn’t a possible answer to lease rather than buy? Yes, it will be more expensive to lease 3 vehicles over 9 years than buying one, but Honda will bear all the risk of the faulty engine assuming all s...
by tennisplyr
Fri May 17, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 72
Views: 6695

Re: We’ve won the game...but how do we stop playing?

Shift to a more conservative, capital preservation portfolio if that is her desire.
by tennisplyr
Fri May 17, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3904

Re: Instant Coffee?

Abe wrote:
Tue May 14, 2019 4:59 pm
Nescafe Taster's Choice Freeze Dried Coffee
+1
by tennisplyr
Thu May 16, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 66
Views: 5065

Honda CRV or Toyota RAV4 ?

Long time Honda owner thinking about getting a new CRV. Was wondering how a RAV4 would compare especially on price and reliability. Your thoughts?
by tennisplyr
Thu May 16, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4152

Re: Worth Fighting a Speeding Ticket?

If you were wrong, what's your point?
by tennisplyr
Wed May 15, 2019 7:10 am
Forum: Investing - Theory, News & General
Topic: Nobody knows nothing and AA
Replies: 19
Views: 2199

Re: Nobody knows nothing and AA

One can try lots of things that seem to make sense at the moment but who knows. It's not how you start, it's how you finish.
by tennisplyr
Wed May 15, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Retirement home property - select good, better, best?
Replies: 23
Views: 2287

Re: Retirement home location, good, better, best

Where I live not only is coastal property much more expensive, it's much more crowded with people and cars...not for me.
by tennisplyr
Tue May 14, 2019 6:01 pm
Forum: Personal Investments
Topic: Inheritance at 62 yrs old
Replies: 12
Views: 1974

Re: Inheritance at 62 yrs old

Read up in target retirement funds, maybe hold some ($20-$30k) in a savings account for emergencies. Here's info on Vanguard funds:

https://investor.vanguard.com/retiremen ... ment-funds
by tennisplyr
Tue May 14, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 68
Views: 4334

Re: Buying a "new" car - Advice pls

Check out leasing a car, as a relative of mine said, "why would you want to buy a depreciating asset?" You could get a brand new car (3 year warranty), no money down for $200-$300/month. If you lease, you're still paying for the depreciation. And if you swap to a new vehicle every few years, you're...
by tennisplyr
Tue May 14, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Booking a cruise - any differences in how/where?
Replies: 36
Views: 3050

Re: Booking a cruise - any differences in how/where?

We just booked an Alaskan Celebrity Cruise in July through Crucon. We received a free drink package, all gratuities and a few hundred dollars of on board credit. We used them for a cruise to the Western Meditteranean last year and loved it.

www.crucon.com
by tennisplyr
Tue May 14, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 68
Views: 4334

Re: Buying a "new" car - Advice pls

Check out leasing a car, as a relative of mine said, "why would you want to buy a depreciating asset?" You could get a brand new car (3 year warranty), no money down for $200-$300/month. I've been doing this since 1995. If you like the car after 3 years, you can buy/finance it. I know a lot of my br...
by tennisplyr
Tue May 14, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation in 60s
Replies: 17
Views: 1852

Re: Asset Allocation in 60s

I believe current thinking is that bonds should cover roughly 10 years of expenses. We're retired, in late 60s and are at 50/50.
by tennisplyr
Sat May 11, 2019 6:31 am
Forum: Investing - Theory, News & General
Topic: Balance Finds
Replies: 17
Views: 1281

Re: Balance Finds

Similarly, when one wants to withdraw from a balanced fund you cannot target an asset class to withdraw from.
by tennisplyr
Thu May 09, 2019 5:37 pm
Forum: Personal Investments
Topic: tech funds
Replies: 29
Views: 2313

Re: tech funds

Deleted
by tennisplyr
Thu May 09, 2019 5:34 pm
Forum: Personal Investments
Topic: tech funds
Replies: 29
Views: 2313

Re: tech funds

I've held this Fidelity fund for years and have no complaints. https://fundresearch.fidelity.com/mutual-funds/summary/316390822 No Apple, no Amazon, no Facebook. Maybe one can live without those, but no Alphabet (Google)? That's not really a "technology" play in the way people probably mean it here...
by tennisplyr
Thu May 09, 2019 7:27 am
Forum: Personal Investments
Topic: tech funds
Replies: 29
Views: 2313

Re: tech funds

I've held this Fidelity fund for years and have no complaints.

https://fundresearch.fidelity.com/mutua ... /316390822
by tennisplyr
Wed May 08, 2019 4:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Wellington and Wellsley over the last 20 years
Replies: 60
Views: 6678

Re: Vanguard Wellington and Wellsley over the last 20 years

Have held both of these funds for the last 10 years....no regrets.
by tennisplyr
Wed May 08, 2019 6:44 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6401

Re: The 4% rule

Rudedog wrote:
Wed May 08, 2019 6:37 am
25 years of retirement........4% withdrawals per year. 4% x 25 = 100%. Just a rough guess or rough guideline to follow.
+1. Exactly
by tennisplyr
Tue May 07, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7341

Re: Walk away from my auto lease?

Walking will negatively impact your credit score.
by tennisplyr
Tue May 07, 2019 4:38 pm
Forum: Personal Investments
Topic: A more moderate fund
Replies: 6
Views: 673

Re: A more moderate fund

Grt2bOutdoors wrote:
Sun May 05, 2019 1:14 pm
VBIAX - Vanguard Balanced Index Fund - 60/40. It costs .07, but it holds no international stock.

+1
by tennisplyr
Mon May 06, 2019 7:33 am
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 36
Views: 3652

Re: Boglehead investing through a major downturn

DW and I were both working then, so we didn't panic...we stayed the course at 50/50. Retired in 2011 and stayed the course with no changes (50/50). Things are good 8 years later :happy
by tennisplyr
Sun May 05, 2019 7:11 am
Forum: Investing - Theory, News & General
Topic: What worst case scenario should bonds cover?
Replies: 47
Views: 2314

Re: What worst case scenario should bonds cover?

Retired 8 years; I basically withdraw from the asset class that will roughly keep my AA at my target over time.
by tennisplyr
Sat May 04, 2019 6:04 pm
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 130
Views: 27027

Re: How and when did you do it - to get to 1 Million

Never reached the number and probably never will but I ain't complaining. Life is good and I am grateful for what I have :sharebeer
by tennisplyr
Sat May 04, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Countdown - sanity check
Replies: 19
Views: 2623

Re: Retirement Countdown - sanity check

Live your life. Just hit my eighth year in retirement and things are good. We've lost some relatives and friends and really feel it's stupid to obsess over financials with numbers like yours. Enjoy...before you know it, you'll be looking back and saying "What me worry"?
by tennisplyr
Sat May 04, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Move to South Florida or Baltimore?
Replies: 29
Views: 2826

Re: Move to South Florida or Baltimore?

Moved to gulf coast of FL two years ago and are very happy. Cost of living is much less than what I was used to on Long Island. Today I played 2 hours of tennis went out for a small lunch and just spent a couple of hours at the pool. Life is good :)
by tennisplyr
Thu May 02, 2019 1:30 pm
Forum: Personal Investments
Topic: Where to put extra savings to be accessible?
Replies: 14
Views: 1946

Re: Where to put extra savings to be accessible?

I have an Ally online savings account that currently pays 2.2% APR.
by tennisplyr
Thu May 02, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 30
Views: 1616

Re: Reviews on Honda Insight

I have a 2017 Civic Hatchback 4 door/4 cylinder and love the way it drives...very sporty with turbo engine; ~35 mph. Can't speak for the Insight but have owned Hondas since 1983 and have no major issues.
by tennisplyr
Thu May 02, 2019 1:22 pm
Forum: Investing - Theory, News & General
Topic: Three things you should never do with your investments
Replies: 13
Views: 2461

Three things you should never do with your investments

There are lots of myths and mistakes about investing, was wondering what are the key things you should not do if you expect to be successful.
by tennisplyr
Thu May 02, 2019 1:15 pm
Forum: Investing - Theory, News & General
Topic: "10 year bull market": By what measure?
Replies: 22
Views: 1920

Re: "10 year bull market": By what measure?

AlohaJoe wrote:
Thu May 02, 2019 10:18 am
tennisplyr wrote:
Thu May 02, 2019 6:37 am
Weird: bear market has a measurable definition but bull market doesn't?
A bull market's measurable definition is "not a bear market".

So if the market declines 5%/year for 3 years that's a bull market...doesn't seem right :(
by tennisplyr
Thu May 02, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: My silly question: what $20-50 gift should I ask for?
Replies: 20
Views: 1404

Re: My silly question: what $20-50 gift should I ask for?

If there are hobbies or sports that you are interested in...maybe a related book?
by tennisplyr
Thu May 02, 2019 6:37 am
Forum: Investing - Theory, News & General
Topic: "10 year bull market": By what measure?
Replies: 22
Views: 1920

Re: "10 year bull market": By what measure?

Weird: bear market has a measurable definition but bull market doesn't?
by tennisplyr
Thu May 02, 2019 6:32 am
Forum: Personal Investments
Topic: Too late to start over with nothing?
Replies: 40
Views: 6024

Re: Too late to start over with nothing?

You should be able to work part time now without it affecting your SSDI. Look into this as a few hundred a month can make a big difference in your budget. It sounds like your household income is above average for a LCOL area yet you are struggling to pay your bills. Can you reduce your expenses? Is...
by tennisplyr
Mon Apr 29, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 8501

Retirees: I'm not going to run out

For those of you retired, what age were/are you when you came to the realization that it's highly unlikely you would ever run out of money? How many years were you into retirement?
by tennisplyr
Mon Apr 29, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Dental visit
Replies: 3
Views: 560

Re: Dental visit

Nothing is perfect, if it feels right stay, if not, change. Doesn't sound like he's scaring you into doing elaborate dental work...maybe ask for a different hygienist.
by tennisplyr
Sat Apr 27, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: weber grills
Replies: 34
Views: 2776

Re: weber grills

I'm thinking of buying a weber propane grill to be able to cook for a family of 5 and occasional guests. There are way too many options so I wanted your input on how you guys went about purchases a specific model. I looked at the sprit line vs. the genesis line and even within those lines of grills...
by tennisplyr
Thu Apr 25, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Eggs in One Basket?
Replies: 22
Views: 2916

Re: Eggs in One Basket?

I hold my investments at Fidelity and Vanguard (largely). This evolved mainly from companies that I worked for not with any particular goal in mind. Since I have no compelling reason to change--I'm a slice and dicer--I'll probably keep both.
by tennisplyr
Wed Apr 24, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3283

Re: Teeth Whitening

I found that sloshing some hydrogen peroxide in my mouth has made my teeth noticeably whiter....very cheap also.
by tennisplyr
Wed Apr 24, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: When is it worth it, and not, to live in a (very) high COL region?
Replies: 31
Views: 2584

Re: When is it worth it, and not, to live in a (very) high COL region?

Was born in Brooklyn, lived much of my childhood in Queens and bought/lived in a North Shore Long Island home for over 35 years. Now retired, when I was younger I loved the area, lots of opportunities, good schools and plenty to do. My home appreciated many fold over the years. I have no regrets for...
by tennisplyr
Wed Apr 24, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: What is the Magic Formula for when One can RETIRE ?
Replies: 26
Views: 4107

Re: What is the Magic Formula for when One can RETIRE ?

Having a plan/vision for what you want to do in retirement, having a lot more time on your hands is a major challenge for many.
by tennisplyr
Wed Apr 24, 2019 7:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 902
Views: 86827

Re: "S&P 500 Index closes at record high"

Nice....rather have a record high than a record low. :thumbsup :thumbsup
by tennisplyr
Tue Apr 23, 2019 6:46 am
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 95
Views: 10999

Re: Re-Examining an assumption: 45% bonds in retirement?

I'm in my late 60s and retired 8 years; am at 50-55% bonds and have been so for a while...but then again I was lucky enough to have retired during the bull market. No major changes planned.
by tennisplyr
Mon Apr 22, 2019 6:57 am
Forum: Personal Investments
Topic: Feedback on Retirement Asset Allocation
Replies: 4
Views: 768

Re: Feedback on Retirement Asset Allocation

Retired 8 years with a 50/50 AA. After having a health scare last year and seeing some close ones pass away we've decided to focus on living life and not on net worth. IMHO anything +/- 50/50 is just fine.
by tennisplyr
Sun Apr 21, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3609

Re: update 70s kitchen or nah?

I was in this situation a couple of years ago. We chose not to update anything. We decluttered big time, added a couple of lights to stand alone brighten the house and added some plants for curb appeal. We sold our house in about a month at a satisfactory price. So, so glad we didn't waste time, mon...
by tennisplyr
Sun Apr 21, 2019 7:42 am
Forum: Personal Investments
Topic: Muni Bond Fund Help (FHIGX)
Replies: 17
Views: 1475

Re: Muni Bond Fund Help (FHIGX)

I've held Fidelity Municipal Income Fund as a very small portion of taxable bonds for years and have no complaints.
by tennisplyr
Sun Apr 21, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4062

Re: Tips for getting the most out of your cruise?

Don't be cheap...pick a good cruise line, the right destinations, the right type of room you want, etc. We just booked a cruise to Alaska for this summer, should be great fun! Enjoy
by tennisplyr
Fri Apr 19, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4754

Re: How far would you commute?

When I lived outside of NYC I had various long commutes. -when I worked in the city I routinely took mass transit for upwards of 1 1/2 hrs each way, 5 days a week -one job I had in the northern suburbs that required driving 40-50 miles each way, 5 days a week. This ultimately burned both me and my c...
by tennisplyr
Fri Apr 19, 2019 6:58 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8479

Re: This could be the biggest risk that retirees face?

The vast, vast majority of us will not live to 100....worry if you wish.