Search found 1378 matches

by tennisplyr
Mon Jan 22, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 36
Views: 3369

Re: Am I being greedy?

Ahh the fear and greed in the market. When the drop came in 2008, I was happy I was @50/50 but then again I was in my fifties. You do have time on your side which many don't have.
by tennisplyr
Mon Jan 22, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 39
Views: 3758

Re: 50/50 AA recommended by Benjamin Graham

Retired for 7 years, in mid sixties. Am at 45/55 which works for us since we've achieved our goals.
by tennisplyr
Mon Jan 22, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard chief says "You will never see a bitcoin fund from us"
Replies: 15
Views: 911

Re: Vanguard chief says "You will never see a bitcoin fund from us"

According to Wikipedia: "Bitcoins are created as a reward for a process known as mining. They can be exchanged for other currencies, products, and services. As of February 2015, over 100,000 merchants and vendors accepted bitcoin as payment. Research produced by the University of Cambridge estimates...
by tennisplyr
Sat Jan 20, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18954

Re: Anyone disenchanted with retirement?

I have a slightly tangential question, somewhat dark. I’m late 30s, but on track for a pretty early retirement if I want it (maybe 42?). I recently came across the story of a colleague who past away very young from a sudden disease after doing everything right in life (given under a year to live :/...
by tennisplyr
Fri Jan 19, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1114

Re: Which tax software for 2017?

Does anyone know if TT Deluxe automatically uploads data from Vanguard or Fidelity?
by tennisplyr
Fri Jan 19, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1114

Which tax software for 2017?

Both DW and I are retired and moved to a state with no income tax. We both collect SS and have typical interest and dividend income. In the past we lived in NY and had significant itemized deductions and I filed with Turbotax Premier. Going forward, I think using that software would be overkill and ...
by tennisplyr
Thu Jan 18, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4421

Re: Anyone pondering moving to a cheaper place and downsizing?

Just did this over the past year. Sold in NY and moved to FL. Bigger house, taxes 1/6 of NY property taxes, no heating bill, no state income tax, low utility bills, low insurance costs, etc etc. one of the best decisions eva!! Just got back from a trip to Tampa for the New Year. Sarasota is a great...
by tennisplyr
Wed Jan 17, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington or Target Retirement 2025
Replies: 9
Views: 824

Re: Wellington or Target Retirement 2025

I'm not your typical BH, but I've had both for a number of years and am satisfied....retired 7 years.
by tennisplyr
Wed Jan 17, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18954

Re: Anyone disenchanted with retirement? -- Not me.

Just hit 7 years in retirement and things seem to be going fast, but well for me. Was wondering if anyone has been disappointed with retirement and maybe went back to work, and went did that hit? tennisplyr: I retired 36 years ago at the age of 57. Unquestionably one of the best decisions of my lif...
by tennisplyr
Wed Jan 17, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18954

Re: Anyone disenchanted with retirement?

akblizzard wrote:
Wed Jan 17, 2018 9:39 am
I’m in the “every night is Friday night and every day is “Saturday” mindset. Retired 8 months now.

It’s interesting to note a neighbor down the road retired about the same time and he told me recently he’s bored out of his skull.
Yep, there are challenges no doubt
by tennisplyr
Tue Jan 16, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4421

Re: Anyone pondering moving to a cheaper place and downsizing?

Just did this over the past year. Sold in NY and moved to FL. Bigger house, taxes 1/6 of NY property taxes, no heating bill, no state income tax, low utility bills, low insurance costs, etc etc. one of the best decisions eva!!
by tennisplyr
Tue Jan 16, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 39
Views: 4554

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

whodidntante wrote:
Mon Jan 15, 2018 8:56 pm
Remember kids, the stock market only goes up.
Except for when it goes down.
by tennisplyr
Sun Jan 14, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18954

Re: Anyone disenchanted with retirement?

Retired at 58 because I could when I ran the numbers, that was 2.5 years ago.....work is sooooo over rated...lol Do not know how I would fit work into the schedule! Me too, except started 1 year ago. One thing I was well aware of before retiring was that the happiest retirees consistently have a pa...
by tennisplyr
Sat Jan 13, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Retirement Checklist.
Replies: 16
Views: 2638

Re: 2018 Retirement Checklist.

From a non-financial perspective, you will tons more free time which many find a huge challenge. It would be helpful to have passions, hobbies, etc to enjoy. Good luck!
by tennisplyr
Fri Jan 12, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18954

Re: Anyone disenchanted with retirement?

Great feedback....life is what you make of it both in retirement or not.
by tennisplyr
Wed Jan 10, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18954

Re: Anyone disenchanted with retirement?

Working2notWork wrote:
Tue Jan 09, 2018 3:50 pm
Hey all -

As I'm reading through all the replies, it seems as though many are staying busy with their daily, non working, lives. As I think about early retirement, would you mind shedding some light on what exactly keeps you busy all day long?

Thanks,

Working (for now)

Whatever you want!
by tennisplyr
Tue Jan 09, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 33587

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Willthrill, The problem I have with this whole conversation is: I' am 23 years old. My mortality is age 100 - age 23 = 77 more years. I cannot wrap my head around the 4% Trinity (guideline) of selling off my portfolio & making it last 40, 50, 60 years & then be able to pass down wealth to my childr...
by tennisplyr
Tue Jan 09, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 33587

Re: Year 2000 retirees using the '4% rule' - Where are they now?

rgs92 wrote:
Mon Jan 08, 2018 10:45 pm
The S&P went from 1500 to over 2700 in those 18 years. Along with dividends, isn't that a decent-enough return to support a retirement withdrawal program? And inflation has been very tame all this time.
+1
by tennisplyr
Tue Jan 09, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: New York City Restaurant Week Suggestions
Replies: 15
Views: 870

Re: New York City Restaurant Week Suggestions

Becco, Frankie & Johnnies, Nobu.
by tennisplyr
Tue Jan 09, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18954

Re: Anyone disenchanted with retirement?

TLC1957 wrote:
Mon Jan 08, 2018 5:29 pm
Retired at 58 because I could when I ran the numbers, that was 2.5 years ago.....work is sooooo over rated...lol

Do not know how I would fit work into the schedule!
+1
by tennisplyr
Mon Jan 08, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18954

Anyone disenchanted with retirement?

Just hit 7 years in retirement and things seem to be going fast, but well for me. Was wondering if anyone has been disappointed with retirement and maybe went back to work, and went did that hit?
by tennisplyr
Thu Jan 04, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 2741

Re: Airbnb - Guide a beginner

Used VRBO a couple of times and was satisfied. Not sure this was said but try to pick properties that have a lot of positive reviews, this is usually a good sign. Daughter has used Airbnb and likes it. Give them a try.
by tennisplyr
Wed Jan 03, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 23
Views: 1761

Re: Online High yield savings account for emergency funds

Have Ally savings and have had no issues with them.
by tennisplyr
Mon Jan 01, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 7058

Re: So, how was the year ? Gains made and Lessons learnt ?

I learned that it is very good fortune indeed to retire into two good market years . Expenses were high again this year, as our version of retirement included relocation and other transitional costs. Total portfolio this year was up 11%. Net portfolio appreciation, accounting for spending, was 8%. ...
by tennisplyr
Sun Dec 31, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 7058

Re: So, how was the year ? Gains made and Lessons learnt ?

Downsized to FL from a HCOL area and love it! Banked a bunch of money while ongoing expenses are lower. Health is good as is the weather, off to play some tennis 🌞
by tennisplyr
Fri Dec 29, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: The Growing Peril of Index Funds: Too Much Tech
Replies: 67
Views: 5725

Re: The Growing Peril of Index Funds: Too Much Tech

If the goal is to life happily ever after, "there's more than one way to skin a cat."
by tennisplyr
Fri Dec 29, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23471

Re: What frugal thing did you do today?

Refilled my Poland Springs water bottle with tap water.
by tennisplyr
Mon Dec 25, 2017 8:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8211

Re: My Christmas Present to You

Thank you Taylor, God bless!
by tennisplyr
Sun Dec 24, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: Worked to death [A preview of the US without pensions]
Replies: 15
Views: 2489

Re: Worked to death

Retired in my sixties. If it weren't for my 401k, I'd still be working. Take control of your life and create your own destiny!
by tennisplyr
Sat Dec 23, 2017 8:17 am
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4234

The extended bull market

Since we're in one of the longest bull markets in US history, I was wondering if it has influenced the way any of you are currently investing? Is there anything you are doing more/less of or have changed what you were doing in the past?
by tennisplyr
Wed Dec 20, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 4780

Re: Downsizing - How much to invest in a house before selling?

I sold my house last year and essentially spending nothing to upgrade. Here are a few things I did do: -decluttered -mowed the lawn and put in a few flowers -removed weeds from my driveway -painted the outside I was determined not to spend huge amounts of money to make changes. We got what the house...
by tennisplyr
Tue Dec 19, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Florida trip - do rooms on west side get too hot?
Replies: 16
Views: 998

Re: Florida trip - do rooms on west side get too hot?

Gill wrote:
Tue Dec 19, 2017 7:09 pm
We now have blinds and air conditioning in Florida :happy
Gill
...and automobiles
by tennisplyr
Tue Dec 19, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Florida trip - do rooms on west side get too hot?
Replies: 16
Views: 998

Re: Florida trip - do rooms on west side get too hot?

The sunset views will be fabulous. February may not get out of the sixties but can get to low 70s, so it's not hot. Anyway we all have air conditioning. Enjoy and make sure you visit nearby St Armonds Circle. Today it was sunny and 80 water in mid 60s.
by tennisplyr
Tue Dec 19, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for young investors
Replies: 10
Views: 867

Re: Advice for young investors

Retired in my sixties and have been saving/investing since my 20s. Invest as much as you can in a simple target retirement fund and don't overspend. Don't worry about market ups and downs. You have time on your side.
by tennisplyr
Mon Dec 18, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 47
Views: 7182

Re: For those retired at least 10 years, what about the money?

Retired almost 7 years and in my mid-sixties. Just starting to think about "will I really need all of this". Since I'm a cheapskate, it's really difficult for me to spend in general. I think I'm going to try to pick up speed on using it, it's going to be a challenge!
by tennisplyr
Wed Dec 13, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 3167

Re: WHO IS RIGHT ME or SPOUSE

WildBill wrote:
Wed Dec 13, 2017 4:37 pm
Howdy

In general, your wife is always right.

Happy holidays.

W B
My wife is always right except when she's wrong 😉
by tennisplyr
Wed Dec 13, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 43
Views: 2509

Re: NYC restaurant suggestion

Marta in the Flatiron district of NY. Great Italian food...especially known for their pizzas made in wood-burning ovens. Be sure to make a reservation.

https://www.martamanhattan.com/
by tennisplyr
Tue Dec 12, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I put 50k I don't need?
Replies: 25
Views: 2934

Re: Where do I put 50k I don't need?

I want the 50k back someday of course, but I'm not sure when. It's not for retirement or emergency but maybe I'll buy something frivolous in 5-7 years. I don't want to simply put it in a bank nor do I want 100% stock index where it may be down 50%. Perhaps a 50/50 blend between equity and bonds. An...
by tennisplyr
Sun Dec 10, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2168

Re: December 22 - Jan 1 vacation

How about a fly-drive vacation to the west coast. Fly to LA and take Pacific Coast Highway/US 1 up to San Francisco. Beautiful coastline, sites to visit and weather should be fine though not hot.
by tennisplyr
Sun Dec 10, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2920

Re: Europe Suggestions

We love Italy! Rome, Florence, Venice was great for us during the summer, or the Amalfi Coast Great weather, historic cities and wonderful food. Been to many places and Italy remains one of our favorites, been back many times.
by tennisplyr
Sun Dec 10, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3759

Re: Please suggest a dry hands product

I used to get dry cracks in my fingers which were very painful. My doc recommended Gold Bond ultimate healing with aloe....can't say enough good things about it...no more cracks or pain and hands stay soft.
by tennisplyr
Sat Dec 09, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 16819

Re: Save all this money, what do you splurge on?

Vacations
Child
Charity
by tennisplyr
Thu Dec 07, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 5095

Re: Just downsized at age 60...input appreciated

Unless the thought of doing it on your own causes you to have sleepless nights, IMHO, do it on your own. Absorbing advice from this site is all you need.
by tennisplyr
Mon Dec 04, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6025

Re: It's that time of year again... buying christmas gifts

Agree with you totally, hate feeling obligated to give gifts. Where appropriate, try a secret Santa where you buy 1 gift and everyone chooses one wrapped. We're doing this year at a big family gathering, saves time and $
by tennisplyr
Sat Dec 02, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5450

Re: How do I convince my employees to invest more?

You could tell them about me. Had I not invested more 10 to 20 years ago, I'd still be working. Instead I'm retired for 7 years and living in paradise where I play tennis, swim, travel, eat out....pretty much do whatever I want!
by tennisplyr
Sat Dec 02, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305491

Re: What are you up YTD? [Year To Date]

My AA is 50/50....been up since retiring 7 years ago, don't know how much. I consider myself to be one lucky guy!