Search found 3690 matches

by tennisplyr
Sun Mar 17, 2024 6:18 am
Forum: Personal Consumer Issues
Topic: Moving in retirement.
Replies: 25
Views: 2776

Re: Moving in retirement.

We moved out of our home of 35 years. The community had changed and it was time to move on. Looked for an area that had more appealing elements...better weather, lower cost of living, more activities..sports, culture. So far, so good.
by tennisplyr
Fri Mar 15, 2024 6:44 am
Forum: Personal Consumer Issues
Topic: How to find reasonably priced contractors?
Replies: 30
Views: 3017

Re: How to find reasonably priced contractors?

You may want to give this site a try.

www.nextdoor.com
by tennisplyr
Thu Mar 14, 2024 7:19 am
Forum: Investing - Theory, News & General
Topic: Where does your [investing] inspiration come from?
Replies: 31
Views: 2912

Re: Where does your inspiration come from?

My grandparents...came to this country, left their family there, had no education. Worked hard here...24/7, bought a house, saved their money, raised a great family, enjoyed the little things. That's it!!
by tennisplyr
Sat Mar 09, 2024 4:32 pm
Forum: Investing - Theory, News & General
Topic: "When" do you sell equities during Retirement?
Replies: 29
Views: 4402

Re: "When" do you sell equities during Retirement?

retired@50 wrote: Fri Mar 08, 2024 5:19 pm I would sell equity when I need some money, and my equity is over my target percentage in my asset allocation.

If I needed money and my equity wasn't over its target percentage, then I'd sell some of my bond fund shares.

Since one of the two of them is typically over its target percentage, I just let my portfolio tell me what to sell.

It's really just as simple as answering the question "What do I have too much of?" - then sell some of that.

Regards,
+1
by tennisplyr
Fri Mar 08, 2024 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Online savings account options
Replies: 11
Views: 923

Re: Online savings account options

Most of our cash is at Ally Savings now @ 4.35%
by tennisplyr
Fri Mar 01, 2024 6:55 am
Forum: Investing - Theory, News & General
Topic: Retirees: at what age...?
Replies: 48
Views: 5172

Re: Retirees: at what age...?

ROIGuy wrote: Thu Feb 29, 2024 4:19 pm A friend of mine recently passed away (early 60's) and he left a message on his Instagram page. Basically he reminded everyone how experience has taught him that life can go from 100 - 0 miles per hour in a moment, and don't waste life on trivial stuff. Good reminder that the greatest thing about being able to retire (or just enjoying your life) is to do what ever makes you happy; and that doesn't mean you have to spend a lot of money to achieve that.
👍👍
by tennisplyr
Thu Feb 29, 2024 8:17 am
Forum: Investing - Theory, News & General
Topic: Retirees: at what age...?
Replies: 48
Views: 5172

Retirees: at what age...?

I was thinking at what age do retirees plan to or have removed their shackles on spending? That is, you feel you are at a point/age in life that the clock is ticking and it's time to ramp up the spending.
by tennisplyr
Wed Feb 28, 2024 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Recommendation Needed
Replies: 7
Views: 1250

Re: Online Savings Account Recommendation Needed

We've been using Ally for several years and are satisfied. You may want to check this site.

www.bankrate.com
by tennisplyr
Mon Feb 26, 2024 6:15 am
Forum: Personal Investments
Topic: [Withdraw from high performing assets or dividends?] IRA distrubutions
Replies: 12
Views: 817

Re: [Withdraw from high performing assets or dividends?] IRA distrubutions

Wiggums wrote: Sun Feb 25, 2024 11:42 am We withdraw money in whatever combination helps us to maintain our asset allocation.
+1
by tennisplyr
Fri Feb 23, 2024 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Funding a New Vehicle
Replies: 33
Views: 3295

Re: Funding a New Vehicle

Personally, I've been leasing cars every 3 years since 1995, no money down...bought a few after lease expired. It may not be the best way financially, but it works for us.
by tennisplyr
Fri Feb 23, 2024 7:21 am
Forum: Personal Consumer Issues
Topic: How do you live healthy?
Replies: 107
Views: 8114

Re: How do you live healthy?

Lots of exercise is my main way...tennis, pickleball, biking, swimming, walking. Stay positive!
by tennisplyr
Thu Feb 15, 2024 4:54 pm
Forum: Personal Consumer Issues
Topic: What inferior good do you love?
Replies: 232
Views: 25531

Re: What inferior good do you love?

Costco hot dogs and pizza slices.
by tennisplyr
Mon Feb 12, 2024 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Both spouses taking Social Security at 62
Replies: 9
Views: 2559

Re: Both spouses taking Social Security at 62

Silk McCue wrote: Sat Feb 10, 2024 5:23 pm
tennisplyr wrote: Sat Feb 10, 2024 5:11 pm Both DW and I took SS at 62...never looked back
Do you believe that everyone should do that or should it be based on the couples unique financial and personal circumstances? None of us should assume that what is right for us is right for others.

Cheers
Of course everyone should do what's right for themselves!
by tennisplyr
Sat Feb 10, 2024 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Both spouses taking Social Security at 62
Replies: 9
Views: 2559

Re: Both spouses taking Social Security at 62

Both DW and I took SS at 62...never looked back
by tennisplyr
Sat Feb 10, 2024 4:53 pm
Forum: Personal Consumer Issues
Topic: Is it foolish to keep driving my old car?
Replies: 138
Views: 12249

Re: Is it foolish to keep driving my old car?

Very personal decision, only you know what you should do.
by tennisplyr
Fri Feb 09, 2024 7:30 am
Forum: Personal Consumer Issues
Topic: Lagoon communities in Florida - Thoughts/personal experiences?
Replies: 58
Views: 6362

Re: Lagoon communities in Florida - Thoughts/personal experiences?

While this site has received some knocks, you may want to check it out.

http://www.city-data.com/forum/
by tennisplyr
Wed Feb 07, 2024 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Online bank vs brick and mortar (considering Fidelity)
Replies: 20
Views: 1726

Re: Online bank vs brick and mortar (considering Fidelity)

I've moved to Ally Bank a few years ago and have no complaints
by tennisplyr
Sun Feb 04, 2024 8:23 am
Forum: Personal Consumer Issues
Topic: Are there any reliable refrigirators with water dispenser on door?
Replies: 58
Views: 4707

Re: Are there any reliable refrigirators with water dispenser on door?

We've had an LG for a few years and like it...icemaker, water, crushed ice.
by tennisplyr
Fri Feb 02, 2024 6:34 am
Forum: Personal Consumer Issues
Topic: Products for white hair
Replies: 52
Views: 6538

Re: Products for white hair

For touchups I use Roux hair stick...years ago it helped me get a new job!
by tennisplyr
Wed Jan 31, 2024 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Should we buyout my lease?
Replies: 10
Views: 1282

Re: Should we buyout my lease?

We just bought out our 2020 Civic Hatchback. I like the car, am the original owner and it only has 17,000 miles on it...I can always sell it if I want to.
by tennisplyr
Sat Jan 27, 2024 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Averages in different professions
Replies: 91
Views: 11542

Re: Net Worth Averages in different professions

Here are some resources that provide data on average net worth across professions: Wealth-X: Provides information on high-net-worth individuals (HNWIs) by profession and industry. While it focuses on wealthy individuals, it can offer insights into net worth trends in certain professions. PayScale: Offers salary data by profession and location, which can be used to estimate potential income and wealth accumulation over time. Bureau of Labor Statistics: Provides a wealth of data on earnings and occupations, including median annual wages, which can be used to compare relative income disparities across professions. Federal Reserve Survey of Consumer Finances: Offers a comprehensive picture of U.S. household wealth and debt, including breakdowns...
by tennisplyr
Sat Jan 27, 2024 6:48 am
Forum: Personal Consumer Issues
Topic: Do we need a new car?
Replies: 70
Views: 8642

Re: Do we need a new car?

kinaokole wrote: Sat Jan 27, 2024 2:17 am
tennisplyr wrote: Mon Jan 08, 2024 3:31 pm New cars have some terrific safety features that can be life saving.
People keep mentioning safety as a selling point. While I don't object to cameras/blind spot monitors/extra airbags/etc., are we really sure these features are making us safer?

Motor vehicle fatality rates have actually increased the last few years, after being stable since ~2009. https://en.wikipedia.org/wiki/Motor_veh ... S._by_year
I hear you, what about non-fatal accidents, in general. I like the new safety features.
by tennisplyr
Fri Jan 26, 2024 7:40 am
Forum: Personal Consumer Issues
Topic: Rome - Florence - Venice
Replies: 49
Views: 3795

Re: Rome - Florence - Venice

Great cities, check this out.

https://www.ricksteves.com/
by tennisplyr
Thu Jan 25, 2024 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Most popular boglehead withdrawal strategy
Replies: 117
Views: 12896

Re: Most popular boglehead withdrawal strategy

fortunefavored wrote: Tue Jan 23, 2024 11:57 am I think if you ask Bogleheads who are actually retired and spending from their portfolio, the answer is "they spend whatever they feel like spending."

Withdrawal strategies are more fun to talk about before you retire - it passes the time, helps you hone in on your number, etc.

Once you retire, you tend to just keep on doing what you've always been doing. I am entering year 4, and my withdrawals have ranged from <1% to 6%. At no point did I think "huh, I should spend an extra 2%" or "huh, I should really spend less than 6%."
Agree...retired 12 years... I take out what I want when I need it, never in enormous amounts. Not alot of variability in my portfolio over the years due to withdrawals.
by tennisplyr
Mon Jan 22, 2024 5:58 am
Forum: Personal Consumer Issues
Topic: Decent Pinot Noir < $20 possible?
Replies: 31
Views: 3659

Re: Decent Pinot Noir < $20 possible?

Here's a few.

California:
Hahn Pinot Noir
Benziger Pinot Noir
Kosta Brown Pinot Noir
by tennisplyr
Mon Jan 22, 2024 5:54 am
Forum: US Chapters
Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Replies: 429
Views: 41910

Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂

Congratulations and happy birthday Taylor, you are truly an inspiration to us all👏👏👏
by tennisplyr
Fri Jan 19, 2024 7:16 am
Forum: Personal Consumer Issues
Topic: Honda CRV alternatives
Replies: 22
Views: 1979

Re: Honda CRV alternatives

We really like our Mazda CX5...comfortable, easy to drive, smart looking.
by tennisplyr
Fri Jan 19, 2024 7:09 am
Forum: Personal Consumer Issues
Topic: Favorite Easy Meal?
Replies: 127
Views: 14348

Re: Favorite Easy Meal?

Pasta with butter and cheese, english muffin pizza, hot dogs 😄
by tennisplyr
Thu Jan 18, 2024 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Resignation Letter
Replies: 70
Views: 6945

Re: Resignation Letter

Maybe if you'd really love to stay, try setting up one more conversation with them and touch on compensation. Otherwise, just resign and keep it positive...you never know.
by tennisplyr
Wed Jan 17, 2024 7:13 am
Forum: Personal Consumer Issues
Topic: "Unsubscribe" to Emails
Replies: 37
Views: 4357

Re: "Unsubscribe" to Emails

nisiprius wrote: Tue Jan 16, 2024 2:02 pm If it a well-known company, if you actually remember interacting with them over the Internet, and if--when you hover over the "unsubscribe" link it has a sensible URL, then it will probably work.

If it is genuine spam from a sender you've never heard of, then the "unsubscribe" link is a trap to trick you into revealing that the email account is live and that a human is reading it.
+1
by tennisplyr
Wed Jan 17, 2024 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Am i doing ok for my age?
Replies: 44
Views: 5963

Re: Am i doing ok for my age?

You're ahead of where I was at your age...retired 12 years.
by tennisplyr
Tue Jan 16, 2024 6:59 am
Forum: Investing - Theory, News & General
Topic: Bucket Withdrawal Strategy
Replies: 20
Views: 2446

Re: Bucket Withdrawal Strategy

I've been at ~50/50 for a long time...retired 12 years and withdraw accordingly along the way. No need to chase perfection.
by tennisplyr
Fri Jan 12, 2024 7:18 am
Forum: Personal Consumer Issues
Topic: How to record phonecall on Iphone?
Replies: 5
Views: 949

Re: How to record phonecall on Iphone?

Why not try the Apple site.

https://www.apple.com/
by tennisplyr
Tue Jan 09, 2024 12:59 pm
Forum: Personal Consumer Issues
Topic: Where Should We Travel & Vacation To?
Replies: 47
Views: 9644

Re: Where Should We Travel & Vacation To?

Watty wrote: Tue Jan 09, 2024 8:42 am
tennisplyr wrote: Tue Jan 09, 2024 7:57 am Remember this guy:

https://www.ricksteves.com/
His books are great but he is clear that he only tries to cover travel in Europe.
Was thinking you may want to join his forum
by tennisplyr
Mon Jan 08, 2024 3:31 pm
Forum: Personal Consumer Issues
Topic: Do we need a new car?
Replies: 70
Views: 8642

Re: Do we need a new car?

New cars have some terrific safety features that can be life saving.
by tennisplyr
Mon Jan 08, 2024 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Which Turbo Tax version?
Replies: 15
Views: 2063

Re: Which Turbo Tax version?

sycamore wrote: Sun Jan 07, 2024 8:38 am
tennisplyr wrote: Sun Jan 07, 2024 7:01 am
sycamore wrote: Sat Jan 06, 2024 10:20 am
tennisplyr wrote: Sat Jan 06, 2024 10:13 am I've been using the Premier version for several years...think I've been fooled into it. Could I use the Deluxe version...am retired, not working, take standard deduction, Vanguard investment type income, bank interest...I think basic stuff.
Do you use the download/CD version or the online version?
I use the online version
What kind of forms?
Any 1099-B for selling mutual fund or ETF shares?
Yes
by tennisplyr
Sun Jan 07, 2024 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Which Turbo Tax version?
Replies: 15
Views: 2063

Re: Which Turbo Tax version?

sycamore wrote: Sat Jan 06, 2024 10:20 am
tennisplyr wrote: Sat Jan 06, 2024 10:13 am I've been using the Premier version for several years...think I've been fooled into it. Could I use the Deluxe version...am retired, not working, take standard deduction, Vanguard investment type income, bank interest...I think basic stuff.
Do you use the download/CD version or the online version?
I use the online version
by tennisplyr
Sat Jan 06, 2024 10:16 am
Forum: Personal Finance (Not Investing)
Topic: HELOC Rates in 2024
Replies: 7
Views: 1385

Re: HELOC Rates in 2024

My Chase banker recommended Rocket mortgage...never looked into it.
by tennisplyr
Sat Jan 06, 2024 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Which Turbo Tax version?
Replies: 15
Views: 2063

Re: Which Turbo Tax version?

I've been using the Premier version for several years...think I've been fooled into it. Could I use the Deluxe version...am retired, not working, take standard deduction, Vanguard investment type income, bank interest...I think basic stuff.
by tennisplyr
Thu Jan 04, 2024 6:13 pm
Forum: Investing - Theory, News & General
Topic: How did you make your first $1M?
Replies: 148
Views: 33570

Re: How did you make your first $1M?

College education>white collar jobs+investing+home purchase
by tennisplyr
Thu Jan 04, 2024 8:03 am
Forum: Personal Investments
Topic: Boglehead's remorse?
Replies: 102
Views: 19560

Re: Boglehead's remorse?

I try not to worry about "poor decisions or happenings" in my life...there's always tomorrow to start over again.
by tennisplyr
Wed Jan 03, 2024 7:08 am
Forum: Investing - Theory, News & General
Topic: If you retired using the 4% rule and the market crashed 50% a week later?
Replies: 100
Views: 15957

Re: If you retired using the 4% rule and the market crashed 50% a week later?

Be flexible...cut your expenses, get a job...all things end, both the good and the bad.
by tennisplyr
Sat Dec 30, 2023 6:04 pm
Forum: Personal Consumer Issues
Topic: love your tablet?
Replies: 63
Views: 5960

Re: love your tablet?

Use my ipad way more than my iphone.
by tennisplyr
Sat Dec 30, 2023 7:36 am
Forum: Personal Consumer Issues
Topic: Best way to sign up for Uber as a new rider
Replies: 8
Views: 1417

Re: Best way to sign up for Uber as a new rider

On a related subject, here's a cool site to help you decide on car services.

https://ride.guru/#home-hero
by tennisplyr
Fri Dec 29, 2023 7:29 am
Forum: Investing - Theory, News & General
Topic: What was the investment climate like in the bull market 10 years ago?
Replies: 55
Views: 7256

Re: What was the investment climate like in the bull market 10 years ago?

I retired in 2011 and remember thinking that everything was going smoothly with a 50/50 AA...no complaints.