Search found 1652 matches

by tennisplyr
Wed Jul 18, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 18
Views: 1702

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: 18
Views: 1702

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: 4394

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: 4394

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: 1576

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: 13
Views: 1446

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: 2048

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: 9448

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: 10000

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: 658

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: 673

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: 4340

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

Sometimes pizza/coke, sometimes ham sandwich, sometimes Costco sausage and pepper sandwich. I'm bad!
by tennisplyr
Sun Jul 08, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3226

Re: Trying to hit grand slam with small % portfolio?

I don’t see why people here object to say 10-20k allowance (from low 7 figure portfolio in mid 40s) to some speculative high risk high reward investments like individual stocks, small cap biotech funds, cryptos, etc. The 10-20k would hardly be noticed if lost, but the upside could pay for a nice va...
by tennisplyr
Sun Jul 08, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3226

Re: Trying to hit grand slam with small % portfolio?

Have a tiny portion in a Fidelity tech sector for a bunch of years...more like going for a double. It adds an element of fun and excitement to the mundane. Am satisfied with what I've done.
by tennisplyr
Sun Jul 08, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5360

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

These prices are beefed up for labor charges, try DIY if you can. Recently had a rear light assembly changed for $500!! Light itself was ~$300 and got hosed for $200 in labor. I tried to do it myself but needed to remove fender. THEY ARE IN THE BUSINESS TO MAKE MONEY....pure and simple.
by tennisplyr
Sat Jul 07, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Which is the best calculator?
Replies: 8
Views: 1198

Which is the best calculator?

As I am 7 years into retirement and presumably over the 'sequence of return risk' I was wondering what retirement calculator is better for taking this in account. I'm in my late 60s.
by tennisplyr
Sat Jul 07, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Selling a car - How to verify funds
Replies: 22
Views: 2162

Re: Selling a car - How to verify funds

Though not as expensive as yours, I've only accepted cold cash.
by tennisplyr
Fri Jul 06, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12085

Re: Expected returns for 80/20 stock bond for next 10 years.

I disagree that predicting 10 year returns is a random event. There is no randomness in a the expected return of a 10-year zero coupon bond. It is 2.87%. That’s an absolute number which all other expect returns can be derived by adding expected risk premiums. He's talking 80% equities, do you know ...
by tennisplyr
Fri Jul 06, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12085

Re: Expected returns for 80/20 stock bond for next 10 years.

I disagree that predicting 10 year returns is a random event. There is no randomness in a the expected return of a 10-year zero coupon bond. It is 2.87%. That’s an absolute number which all other expect returns can be derived by adding expected risk premiums. He's talking 80% equities, do you know ...
by tennisplyr
Fri Jul 06, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 3955

Re: Monthly Water Usage

Hot showers are good for the soul.
by tennisplyr
Thu Jul 05, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to invest in bonds?
Replies: 39
Views: 4814

Re: Is it ok to invest in bonds?

... I would be interested in which would likely provide a better return over time. As I wrote in my first response that is precisely the question we cannot answer. It's unknown and unknowable. PJW Ahh! You want the high return of the riskier asset without the risk. Got it! No....never said I was un...
by tennisplyr
Thu Jul 05, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6206

Re: Older Women Lifting Weights

Am in the right age group but wrong gender. Just started a bit of weights, trying to look buff to scare off my tennis opponents ;-)
by tennisplyr
Thu Jul 05, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to invest in bonds?
Replies: 39
Views: 4814

Re: Is it ok to invest in bonds?

Let's say your time horizon is 5 to 10 years, would it be better to hold CDs or a bond index fund ? It depends on what you mean by better . If you mean will end up having had a higher return , even if you'll tell us which bond index fund you're talking about, the answer is unknown and unknowable. W...
by tennisplyr
Mon Jul 02, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: A thought exercise
Replies: 11
Views: 1555

Re: A thought exercise

I beg to differ, we do know 2 things. The market will go up and the market will go down....we just don't when when.
by tennisplyr
Sat Jun 30, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to invest in bonds?
Replies: 39
Views: 4814

Re: Is it ok to invest in bonds?

Let's say your time horizon is 5 to 10 years, would it be better to hold CDs or a bond index fund?
by tennisplyr
Sat Jun 30, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4021

Re: Any Reason to Keep My "Landline" Phone?

I have one that was part of my Comcast package. Never give it out to anyone and rarely use it to make calls.
by tennisplyr
Fri Jun 29, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 58
Views: 4486

Re: What is your one favorite Fidelity Fund??

As I am not a pure BH, I've held Fidelity Select Software & IT Services for a number of years.

https://fundresearch.fidelity.com/mutua ... /316390822
by tennisplyr
Fri Jun 29, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32191

Re: ALLY BANK savings account RATE increase 1.75%

Longdog wrote:
Fri Jun 29, 2018 5:01 pm
I suspect Ally is seeing a lot of outflows and is trying to stem the tide
They're just keeping up with competition.
by tennisplyr
Fri Jun 29, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: YOUR rate of return
Replies: 15
Views: 1910

Re: YOUR rate of return

Don't you need to know one's AA and how long they've been investing :confused
by tennisplyr
Thu Jun 28, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4575

Re: Is there a way to avoid bad companies in S&P 500?

I believe Fidelity allows you to create a fund made of a market basket of individual stocks.
by tennisplyr
Thu Jun 28, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Opinion: Betterment Thinks We're Stupid
Replies: 17
Views: 3601

Re: Opinion: Betterment Thinks We're Stupid

Betterment's customers don't have the time, interest and perhaps the wherewithal to deal with investing.
by tennisplyr
Thu Jun 28, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Heavy in equities?
Replies: 46
Views: 4694

Re: Heavy in equities?

So many factors go into an individual's AA selection and I'll bet a good portion of people use no historical data for that. For this retiree, 50/50 works just fine.
by tennisplyr
Thu Jun 28, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1182

Re: Vanguard's Investment Research

Read very little of it. If one catches my attention, I might browse it or read conclusions.
by tennisplyr
Wed Jun 27, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4555

Re: 60/40 or 40/60?

stemikger wrote:
Tue Jun 26, 2018 1:49 pm
50/50 and you'd have something in common with Jack Bogle.
+1
by tennisplyr
Tue Jun 26, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Best Online Bank for parking cash?
Replies: 13
Views: 1508

Re: Best Online Bank for parking cash?

Been with Ally for a couple of years....no problems.
by tennisplyr
Tue Jun 26, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4555

Re: 60/40 or 40/60?

I'm roughly your age and at 50/50....the other two are probably more psychological than functional.
by tennisplyr
Tue Jun 26, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2730

Re: Cheap simple tablets?

How about refurbished Apple iPads, I noticed Walmart offers some.
by tennisplyr
Mon Jun 25, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: How to spend it all
Replies: 14
Views: 2108

Re: How to spend it all

That is pretty much my plan, to spend it all. There's no one particular to leave it to. The real trick is that you don't know how long your funds need to last. Could be 2 weeks. Could be until your late 90's. I myself have used the ORP planner quite heavily for planning. As I am retiring on Friday ...
by tennisplyr
Mon Jun 25, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: FIRE thought experiment
Replies: 24
Views: 2580

Re: FIRE thought experiment

It's your life to do with what you choose. My guess is if you're worried about others' opinions you're probably not ready.
by tennisplyr
Mon Jun 25, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: How to spend it all
Replies: 14
Views: 2108

How to spend it all

What is the rough withdrawal rate for someone who wants to leave nothing behind when they pass. Let's say the people are currently in their late 60s, retired with an AA of 50/50. I'm guessing about 5-7% might get you there.
by tennisplyr
Fri Jun 22, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 12186

Re: Retire at 50: Should I?

To some retirement is a dream, to others it's a nightmare. Having enough resources is one part of it, make sure you some ideas about what you'll do with all the free time. Retirement is just another stage of life with its challenges, joys and sorrows.
by tennisplyr
Thu Jun 21, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Senior discounts to look out for
Replies: 12
Views: 1609

Re: Senior discounts to look out for

Here's a comprehensive list of senior discounts.

www.seniorcitizenjournal.com/senior-fin ... unts-list/
by tennisplyr
Wed Jun 20, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8403

Re: how to make friends in new location?

Many cities have "meetup" groups via online to get together with people with common interests. Check out their website:

https://www.meetup.com/
by tennisplyr
Tue Jun 19, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 1977

Re: Italy Trip Questions

Ten days is a good amount....I did Rome, Florence, Venice in 10 days some time ago. We liked Sienna, Chianti, Lucca in Tuscany.
by tennisplyr
Tue Jun 19, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8444

Re: gray hair

The hair on my head is salt and pepper and I kinda like it. When I was in my fifties, my moustache was turning gray and I think it got in the way of my getting a job. So I started using a temporary color for it called Tween Time, still are using it. PS I got good job offers after coloring :wink:
by tennisplyr
Tue Jun 19, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Air conditioner compressor replacement cost
Replies: 31
Views: 2867

Re: Air conditioner compressor replacement cost

Try to get multiple bids.
by tennisplyr
Sun Jun 17, 2018 6:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Father's Day 2018
Replies: 6
Views: 680

Re: Happy Father's Day 2018

Wonderful sentiments on such an important day of recognition. I miss my dad after over 30 years, it's one of life's miracles to have such a treasured relationship.
by tennisplyr
Sun Jun 17, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32191

Re: Ally online savings now at 1.60%

Arinbjorn wrote:
Sat Jun 16, 2018 11:18 am
Mine now shows 1.65%.
+1