Search found 2539 matches

by tennisplyr
Mon Jun 01, 2020 7:29 am
Forum: Investing - Theory, News & General
Topic: Best Diversification Portfolio For Different Asset Allocations
Replies: 11
Views: 747

Re: Best Diversification Portfolio For Different Asset Allocations

Retired 9 years and have been a slicer and dicer at ~50/50 for decades and sleep well at night. Could I have made more, sure...could I have made less, sure.
by tennisplyr
Sun May 31, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal
Replies: 68
Views: 5850

Re: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal

We snowbirded for a few winters in FL while owning in NY. We decided for a variety of reasons that we'd sell in NY and move to FL. So far, after 3 years, things are going well. Having 2 places just didn't work for us.
by tennisplyr
Sat May 30, 2020 7:04 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 88
Views: 4604

Re: does anyone have a subscription to youtube tv?

I have a Samsung smart tv that I bought about 2 years ago, will I need a firestick for it?
by tennisplyr
Fri May 29, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: 55+ communities - with or without golf course?
Replies: 13
Views: 1304

Re: 55+ communities - with or without golf course?

I think it varies. I've heard people say they've had to pay big fees even though they don't play. Be sure to check out cost implications if you find a community that has one. Ours doesn't have one...find by me, I don't play, HOA fees are fair for what we get.
by tennisplyr
Thu May 28, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Online bank recommendations
Replies: 32
Views: 2721

Re: Online bank recommendations

Lyra wrote:
Wed May 27, 2020 4:19 pm
I want to thank everyone for all these answers. I went with Ally and I'm really, really happy with them. The customer service is outstanding.
Have been with Ally for a few years now and are satisfied as well.
by tennisplyr
Wed May 27, 2020 6:53 am
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 45
Views: 2787

Re: Update current laptop or buy new one?

I have your Dell and got tired of it freezing and crashing. Got a nice Lenovo SSD laptop at Costco on sale for ~$400.
by tennisplyr
Mon May 25, 2020 4:35 pm
Forum: Investing - Theory, News & General
Topic: My Road to Investment Success
Replies: 30
Views: 4036

Re: My Road to Investment Success

As always, thank you for your generous advice. If you would, what would you say surprised you the most about your success as an investor?
by tennisplyr
Sun May 24, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Does software play a role in choosing TV
Replies: 28
Views: 1323

Re: Does software play a role in choosing TV

I've heard good things about YouTube tv.
by tennisplyr
Sat May 23, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I go to grad school?
Replies: 24
Views: 1612

Re: Should I go to grad school?

FWIW, I earned an MBA many years ago and always felt it gave me a leg up over my competition. I've worked for several Fortune 500 companies and glad I went to grad school...it wasn't that difficult. Only you know what it's worth in your field.
by tennisplyr
Sat May 23, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Civic Air Conditioning issues
Replies: 16
Views: 890

Re: 2016 Honda Civic Air Conditioning issues

My story...have a 2017 Civic Hatchback, a/c compressor and condenser went about a year ago. Luckily it was covered under warranty but the bill would have been ~$1,700. I would get it fixed.
by tennisplyr
Sat May 23, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 27
Views: 4289

Re: Del Webb 55+ communities?

While not Del Webb, we live in a beautiful gated community in Sarasota and love it. It has it all--tennis, pickleball, basketball, bocce, gym, 2 pools, cafe, etc and I don't have to do any landscaping. Since we don't have golf (which works for us), the HOA fees aren't bad. A major plus for us is the...
by tennisplyr
Tue May 19, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Opinion on Relocating from IL to FL Central Gulf Coast Condo
Replies: 46
Views: 3304

Re: Opinion on Relocating from IL to FL Condo

Originally from NY and wintered in FL for a few years before deciding to sell up north and move here permanently. We're happy here, sure it's hot in the summer but I continue to play tennis all year long here. NY was certainly no bargain for weather...snowstorms, Nor'easters, hurricanes, ice storms,...
by tennisplyr
Mon May 18, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Beach Vacation Suggestions
Replies: 31
Views: 2400

Re: Beach Vacation Suggestions

I think Virginia Beach is a hidden Gem. There is a very family friendly section along the southern tip of the beach by the NC border called Sandbridge. It's fantastic. I lived there for 8 years (2003-2011) and continue to go back each year to vacation. I added a link to the house we rent every year...
by tennisplyr
Sun May 17, 2020 7:07 am
Forum: Personal Consumer Issues
Topic: June vacation
Replies: 21
Views: 2292

Re: June vacation

This is a very personal decision. If you are allowed to travel there and you really want to, then do it. Personally I would not especially where my grandchildren were involved, surely there are less risky things to do. Good luck.
by tennisplyr
Sat May 16, 2020 5:30 pm
Forum: Personal Investments
Topic: Starting from Scratch
Replies: 7
Views: 872

Re: Starting from Scratch

FiveK wrote:
Sat May 16, 2020 4:25 pm
Friendofthelambily, welcome to the forum.

Believe it or not, memorization of fund symbols is not a universal skill. ;)

See Asking Portfolio Questions - Bogleheads.org.

I've been wanting to say that for a long time :shock:
by tennisplyr
Thu May 14, 2020 6:50 am
Forum: Personal Investments
Topic: Target Retirement or 3 Fund Portfolio?
Replies: 15
Views: 1162

Re: Target Retirement or 3 Fund Portfolio?

A small point to remember, when withdrawing or depositing funds you cannot earmark asset classes if using a target retirement account. It's something that's bothered me a bit.
by tennisplyr
Wed May 13, 2020 6:37 am
Forum: Personal Consumer Issues
Topic: Internet Device for Elder Parent
Replies: 24
Views: 1646

Re: Internet Device for Elder Parent

Does he really want it? How about a nice big TV with some form of "on demand"...he might feel more comfortable with that.
by tennisplyr
Tue May 12, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: Adjust Asset Allocation when 90 or older?
Replies: 21
Views: 1426

Re: Adjust Asset Allocation when 90 or older?

I think it's fine for some to go with "what feels comfortable" for them especially at that stage of life.
by tennisplyr
Tue May 12, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Credit card chargeback
Replies: 6
Views: 821

Re: Credit card chargeback

Work with the credit card company.
by tennisplyr
Mon May 11, 2020 5:58 pm
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 79
Views: 9090

Ally lowers APR on savings from 1.5% to 1.25%

Got an email from Ally Bank today saying they are lowering their interest rate to 1.25% from 1.5% on savings accounts. Anyone doing anything because of this?
by tennisplyr
Mon May 11, 2020 7:21 am
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4101

Re: What age do you use for retirement end date?

I'm 70, retired 9 years and not wildly conservative. At my age, expectancy is ~85...for general planning purposes, I use 80-85. This is not about being optimistic or pessimistic, it's about being realistic about the elements of life that are important to me.
by tennisplyr
Fri May 08, 2020 7:33 am
Forum: Personal Consumer Issues
Topic: iPad.. worth it?
Replies: 49
Views: 3078

Re: iPad.. worth it?

I've had an iPad2 for a number of years and love it. The size is perfect...had no significant issues with it...essentially no viruses or malware. Yes, worth it!
by tennisplyr
Thu May 07, 2020 8:58 am
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5342

Re: Do you keep moving your cash around chasing yield?

No...I'm ok with keeping cash at Ally. Also, more interest = more taxes.
by tennisplyr
Thu May 07, 2020 7:35 am
Forum: Personal Investments
Topic: Best online savings bank
Replies: 21
Views: 2864

Re: Best online savings bank

I've been using Ally savings for a few years and have been satisfied....no experience with any other online. Also have Chase for brick and mortar type activities.
by tennisplyr
Wed May 06, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: Target Date Question
Replies: 6
Views: 435

Re: Target Date Question

One minor nuisance for me as a retiree in the drawdown phase, you cannot pinpoint deposits or withdrawals to/from an asset class. In other words, if I want to withdraw from the bond portion of a target fund you cannot do it.
by tennisplyr
Wed May 06, 2020 6:52 am
Forum: Investing - Theory, News & General
Topic: Asset allocation vs portfolio size?
Replies: 5
Views: 730

Re: Asset allocation vs portfolio size?

Here's a common belief: if you've won the game why play on.
by tennisplyr
Wed May 06, 2020 6:49 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24341

Re: IRS Get My Payment up and running

We were able to enter our banking information last Friday April 24th. This morning we finally received a deposit date. “We scheduled your payment to be deposited on May 06, 2020 to the bank account below” Cheers Ditto! Cha ching! Payment deposited today as indicated. Hang in there everybody!
by tennisplyr
Mon May 04, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6281

Re: Best [BBQ grill] for the money?

I bought a 3 burner Char Broil gas grill 3 years ago and have no complaints....think I spent under $200 @Lowes fully assembled and delivered.
by tennisplyr
Mon May 04, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Recommend best free or cheap tax software for a friend please
Replies: 10
Views: 588

Re: Recommend best free or cheap tax software for a friend please

Tell him to look into the cheaper, less sophisticated versions of TurboTax.
by tennisplyr
Sun May 03, 2020 6:59 am
Forum: Investing - Theory, News & General
Topic: Do you invest based on historical performance?
Replies: 13
Views: 810

Re: Do you invest based on historical performance?

Not any more, after lots of reading, I invest based on my age, risk tolerance, costs and asset quality. Most importantly, I stay the course...retired 9 years, no complaints.
by tennisplyr
Sat May 02, 2020 6:46 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24341

Re: IRS Get My Payment up and running

Got my notice...payment to be direct deposited on May 6! Stay hopeful.
by tennisplyr
Fri May 01, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 93
Views: 14573

Re: Your Favorite Vanguard Fund

montanagirl wrote:
Sat Jun 24, 2017 7:43 pm
I like Balanced index. I'd like move everything to for my rmd a couple years hence.
+1
by tennisplyr
Fri May 01, 2020 7:20 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri: "You have to stick with that plan for the rest of your life."
Replies: 61
Views: 8679

Re: Rick Ferri: "You have to stick with that plan for the rest of your life."

"The rest of your life" is a very, very long time. Investing during life is not a theoretical experiment for most...my life is different than yours and his.
by tennisplyr
Mon Apr 27, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: iPhone for Grandparents
Replies: 25
Views: 1576

Re: iPhone for Grandparents

DW and I are grandparents. We both have iPhones. I also have an iPad and DW has an iPad mini. The iPads are great for FaceTime and we both use all devices for a variety of things...pay bills, games, email, etc. If they're largely interested in FaceTiming, an iPad is really good.
by tennisplyr
Sun Apr 26, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Finding a contractor
Replies: 10
Views: 813

Re: Finding a contractor

by tennisplyr
Sun Apr 26, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2533

Re: File tax return electronically

I've used Turbo tax for a few years now, reasonably straightforward.
by tennisplyr
Sun Apr 26, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24341

Re: IRS Get My Payment up and running

Finally was able to enter bank account information using 0 for tax refund. Apparently, bug was fixed overnight. 0 worked for me too------------------finally :dollar Did you enter owed 0 or refund 0? IRS doesn't give more than one or two bites of the apple before locking you out. 😟 I entered: receiv...
by tennisplyr
Sun Apr 26, 2020 7:49 am
Forum: Personal Investments
Topic: Is it time for us to get out?
Replies: 20
Views: 2542

Re: Is it time for us to get out?

Finances notwithstanding, don't forget the challenge of having all that time on your hands. What are your plans/goals?
by tennisplyr
Sun Apr 26, 2020 6:47 am
Forum: Personal Consumer Issues
Topic: Weather Similarity Website?
Replies: 8
Views: 713

Re: Weather Similarity Website?

How about just googling the question.
by tennisplyr
Sat Apr 25, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6976

Re: Go or no go on Carnival cruise

Only my opinion but July seems too soon for large crowds in close spaces.
by tennisplyr
Sat Apr 25, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Anyone plans to drive to the beachs in Florida in May?
Replies: 12
Views: 1528

Re: Anyone plans to drive to the beachs in Florida in May?

Things are still very shuttered. Next week Sarasota county plans to open beaches on a very restricted basis: limited hours, no parking, no chairs/towels/coolers.
by tennisplyr
Sat Apr 25, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24341

Re: IRS Get My Payment up and running

Finally accepted my bank info. Checked received refund, amount 0
by tennisplyr
Fri Apr 24, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24341

Re: IRS Get My Payment up and running

A question: I receive SS via direct deposit and filed taxes 2018. Apparently they need bank info to deposit stimulus. On inputting my info a question seemed to hang things up: Q. Please indicate if you: a) received a tax refund b) made a tax payment I have done neither, it doesn't accept my situatio...
by tennisplyr
Fri Apr 24, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24341

Re: IRS Get My Payment up and running

Yep, after last night's maintenance, it now recognizes that my mother (social security recipient, files taxes each year, but didn't have any direct deposit info with the IRS) is eligible for the payment. Prior to today, it was not able to confirm her eligibility. It let me enter her direct deposit ...
by tennisplyr
Fri Apr 24, 2020 8:53 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24341

Re: IRS Get My Payment up and running

Yep, after last night's maintenance, it now recognizes that my mother (social security recipient, files taxes each year, but didn't have any direct deposit info with the IRS) is eligible for the payment. Prior to today, it was not able to confirm her eligibility. It let me enter her direct deposit ...
by tennisplyr
Thu Apr 23, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2320

Re: House Cleaning and Covid

We passed this month on having the house cleaner...no pay. DW is thinking about May, in the meantime it's she and I. Lots and lots of unknowns about various prior contacts. We cancelled an electrician last week and basically have no one in our home.
by tennisplyr
Thu Apr 23, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Flip from 60/40 to 40/60
Replies: 42
Views: 3558

Re: Flip from 60/40 to 40/60

averagedude wrote:
Wed Apr 22, 2020 8:42 pm
60/40, 40/60, or 50/50? It probably doesn't matter. The most important thing is choosing one and sticking with it.

Yes. My guess is that someone 65 years of age with 40/60 when he turns 75 he probably doesn't say "wonder where I'd be if I did 60/40 when I was 65"
by tennisplyr
Tue Apr 21, 2020 6:40 pm
Forum: Personal Investments
Topic: Asset Allocation at 56
Replies: 12
Views: 1419

Re: Asset Allocation at 56

Well, at a withdrawal rate of 4% you'll get your $80,000/year. A lot of it depends on your aversion to risk. I'm retired 9 years and am 70 yo and have been at 50/50 for a number of years and things have been fine. As long as you're flexible, you always have options.
by tennisplyr
Tue Apr 21, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus check - Help?!
Replies: 17
Views: 2094

Re: Stimulus check - Help?!

Also getting message "Payment Status Not Available. According to information that we have on file, we cannot determine your eligibility for a payment at this time". We're retired, filed 2018 taxes (no payment/no refund) and get our monthly SS payments direct deposited in our checking account. How ca...
by tennisplyr
Mon Apr 20, 2020 7:47 am
Forum: Investing - Theory, News & General
Topic: A downside to target retirement funds?
Replies: 47
Views: 5269

Re: A downside to target retirement funds?

I have found that with owning target funds I cannot pinpoint withdrawals, eg, if I want to sell only bonds. Minor drawback but one nonetheless.