Search found 2838 matches

by tennisplyr
Sun Apr 18, 2021 4:24 pm
Forum: Investing - Theory, News & General
Topic: “Take risk on equity side”
Replies: 37
Views: 2828

Re: “Take risk on equity side”

Random Walker wrote: Sat Apr 17, 2021 1:01 pm I agree with everyone above who believes “take risk on the equity side” means avoid credit risk. As one slides down the credit spectrum, the bonds take on more equity type risk. And the goal of bonds is to diversify away from equity risk.

Dave
+1
by tennisplyr
Sat Apr 17, 2021 5:45 pm
Forum: Investing - Theory, News & General
Topic: Ideal Bond allocation by age
Replies: 34
Views: 2394

Re: Ideal Bond allocation by age

This Vanguard tool will give you some AA guidance.

https://retirementplans.vanguard.com/VG ... -YYA4-CW3H
by tennisplyr
Tue Apr 13, 2021 10:56 am
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 101
Views: 7361

Re: Multiple years of expenses in cash when starting retirement

Retired 10 years and have ~5% in an Ally savings account. Feels good having a small amount for whatever...not a big deal.
by tennisplyr
Sun Apr 11, 2021 12:58 pm
Forum: Personal Consumer Issues
Topic: buying laptop
Replies: 15
Views: 1514

Re: buying laptop

We bought a Lenovo SSD at Costco about a year ago....on sale for about $350. No major complaints.
by tennisplyr
Sun Apr 11, 2021 12:26 pm
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 59
Views: 4381

Re: Comfortable Men's Flip Flops?

At Costco I bought Flojos for $12.99...good in between type of flip flops.
by tennisplyr
Sun Apr 11, 2021 12:00 pm
Forum: Personal Consumer Issues
Topic: Planning to travel to New York.
Replies: 18
Views: 1567

Re: Planning to travel to New York.

Just fly into NY from FL the other day. Everyone still in masks, some outdoor dining, far less crowded. Follows the protocols and enjoy your trip. Check ahead for planning activities so to be sure things are open.
by tennisplyr
Thu Apr 08, 2021 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Questions for 10+ year retirees
Replies: 21
Views: 2936

Re: Questions for 10+ year retirees

Just hit the 10 year mark. Our expenses have generally gone down over time....downsized to a LCOL, traveling less, buying less clothes. The link below will show you government data on expenditures. I do not have a pension. https://www.bls.gov/opub/btn/volume-4/pdf/consumer-expenditures-vary-by-age.pdf
by tennisplyr
Thu Apr 08, 2021 1:03 pm
Forum: Personal Consumer Issues
Topic: COVID airline travel
Replies: 9
Views: 903

COVID airline travel

As I type this, I’m on a JetBlue flight to NYC. Plane about 75% full, everyone wearing a mask and behaving. We’ve gotten both vaccine shots and feel safe enough. Airline offered food service...pay for snack or free soda, chips, cookies. Flight staff pleasant enough. What have been your experiences a...
by tennisplyr
Wed Apr 07, 2021 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Better to buy a new vs used car these days??
Replies: 21
Views: 1994

Re: Better to buy a new vs used car these days??

I was just web browsing around yesterday for a Mazda CX-5 and noticed the small price difference between new and slightly used models. If I were to purchase this month, I'd buy new. I was surprised. For the cash vs. loan - Negotiate the loan and then find out if they offer any better pricing for pa...
by tennisplyr
Tue Apr 06, 2021 1:30 pm
Forum: Investing - Theory, News & General
Topic: The Emotional Side of Investing
Replies: 28
Views: 2613

The Emotional Side of Investing

There certainly seems to be an emotional component to investing for many. How would you describe what it feels like to make an especially good (or bad) investment decision? How deep does it get??
by tennisplyr
Tue Apr 06, 2021 6:58 am
Forum: Personal Consumer Issues
Topic: LG Washing Machine Issues
Replies: 10
Views: 1588

Re: LG Washing Machine Issues

Have you tried LG’s troubleshooting ideas or YouTube videos on the problem?
by tennisplyr
Mon Apr 05, 2021 6:23 am
Forum: Personal Investments
Topic: AA for someone 2 years from retirement
Replies: 47
Views: 4783

Re: AA for someone 2 years from retirement

Here’s a Vanguard tool for some broad guidance.

https://retirementplans.vanguard.com/VG ... -YYA4-CW3H
by tennisplyr
Sun Apr 04, 2021 6:49 am
Forum: Personal Consumer Issues
Topic: Amtrak online discussion forums
Replies: 8
Views: 1298

Re: Amtrak online discussion forums

You may want to try TripAdvisor’s website, here’s a link to Amtrak Boston.

https://www.tripadvisor.com/Attraction_ ... ml?m=19905
by tennisplyr
Sat Apr 03, 2021 7:01 am
Forum: Forum Issues and Administration
Topic: Posting asset allocation in signature
Replies: 8
Views: 1082

Re: Posting asset allocation in signature

I think it give readers a snippet of a poster...like mine :happy
by tennisplyr
Fri Apr 02, 2021 1:20 pm
Forum: Personal Investments
Topic: Required Minimum Distribution???
Replies: 20
Views: 2927

Re: Required Minimum Distribution???

The 2021 RMD is based on your account balances at the end of year 2020. The 2022 RMD is based on your account balances at the end of year 2021. I had not thought about that, but if you take the 2021 RMD in 2021, the RMD for 2022 will be just a little bit smaller. Hmmm. 2022 RMD might be just a litt...
by tennisplyr
Fri Apr 02, 2021 8:15 am
Forum: Personal Investments
Topic: Required Minimum Distribution???
Replies: 20
Views: 2927

Required Minimum Distribution???

Not sure why I’m confused but here goes. I will be turning 72 in November, 2021. So it seems that I don’t have to take a distribution until April, 2022? If so...
-is that for 2021 (and for what year end)?
-do I need to take another in 2022?

Thanks
by tennisplyr
Thu Apr 01, 2021 4:24 pm
Forum: Personal Investments
Topic: Starting with nothing.
Replies: 28
Views: 7740

Re: Starting with nothing.

Stay positive and work at it...save as much as possible and cut expenses. At 40 I was in a small business not making much, had a house with a mortgage, a wife at home with our daughter, not much in the bank...lots of reasons to give up. But I went back to work in my field and sold my business. Fast ...
by tennisplyr
Sat Mar 27, 2021 7:03 am
Forum: Personal Investments
Topic: Question to current retirees
Replies: 14
Views: 2124

Re: Question to current retirees

Retired 10 years and loving it. We downsized from a home in NY to an active adult community in FL. Spend most of my time outdoors...tennis, pickleball, swimming, beach, etc. Before Covid we spent time on shows and concerts. Finances are fine, we probably have less than most on this forum. Free time ...
by tennisplyr
Thu Mar 25, 2021 6:58 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5809

Re: TV size question

We have a 50" which is ~10' from couch. Been thinking myself to upgrade to 60"...not sure if it's necessary. Also, not sure if I like it taking over our great room.
by tennisplyr
Wed Mar 24, 2021 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Retirement target of age, nest-egg or either, or both?
Replies: 20
Views: 2198

Re: Retirement target of age, nest-egg or either, or both?

When I retired DW was still working with medical covered. By the time she retired we both took SS at 62. Nest egg seemed decent relative to expenses. Been retired a while and thankfully enjoying it!
by tennisplyr
Wed Mar 24, 2021 6:53 am
Forum: Personal Consumer Issues
Topic: Apple iPad, 8th generation (10.2)
Replies: 8
Views: 932

Re: Apple iPad, 8th generation (10.2)

I replaced an Ipad 2 (purchased 2011) this year with the 8th Gen 10.2 I am thrilled with it. It is so incredibly fast. It integrates a lot of my google/apple/megacorp life together. It can pick up my cell phone signal as a hot spot with one click. Part of me wishes I would have purchased it sooner ...
by tennisplyr
Tue Mar 23, 2021 1:38 pm
Forum: Personal Consumer Issues
Topic: Apple iPad, 8th generation (10.2)
Replies: 8
Views: 932

Apple iPad, 8th generation (10.2)

Current older iPad owner who just ordered a new one after years of delaying the purchase, what do I have to look forward to?
by tennisplyr
Tue Mar 23, 2021 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Advice to friend?
Replies: 23
Views: 2048

Re: Advice to friend?

Without influencing his decision, you can point out some valuable resources that might help home make that decision. I retired @61 and things have been going great on a lot of levels. Encouragement is better than discouragement.
by tennisplyr
Fri Mar 19, 2021 6:41 am
Forum: Personal Consumer Issues
Topic: Live on a lake in Florida?
Replies: 40
Views: 5401

Re: Live on a lake in Florida?

Live on a lake now and enjoy it...generally prime real estate here. Ours is pleasant, free of mosquitos and loud frogs. Screened in lanai keeps out nuisance bugs. Lovely wildlife, private...only saw 1 small alligator in ours but others have big ones. PS, our HOA takes excellent care of our waters......
by tennisplyr
Wed Mar 17, 2021 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Any long term early retirees here?
Replies: 41
Views: 6610

Re: Any long term early retirees here?

I've been retired for 10 years and with the exception of some health issues, things have been good. Anyone who's ever read my posts will recognize that I'm not a huge numbers cruncher. That said, I've made withdrawals when I needed them and portfolio is higher than when I first retired...of course, ...
by tennisplyr
Wed Mar 17, 2021 8:25 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 364
Views: 26133

Re: Received 3rd stimulus check 3/12/21

Just got our payment this morning, as promised :dollar
by tennisplyr
Wed Mar 17, 2021 7:19 am
Forum: Non-US Investing
Topic: Help with asset allocation
Replies: 3
Views: 1002

Re: Help with asset allocation

This Vanguard tool should provide general AA guidance:

https://retirementplans.vanguard.com/VG ... -YYA4-CW3H
by tennisplyr
Mon Mar 15, 2021 8:00 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 364
Views: 26133

Re: Received 3rd stimulus check 3/12/21

CalcHP12c wrote: Sat Mar 13, 2021 2:50 pm IRS has released its 3rd stimulus payment tracking tool. It does require significant personal information to be entered.

https://www.irs.gov/coronavirus-tax-rel ... t-payments
I used it, will be getting my payment on 3/17.
by tennisplyr
Sat Mar 13, 2021 8:34 am
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate Mechanics
Replies: 17
Views: 1336

Re: Safe Withdrawal Rate Mechanics

Retired 10 years here. I've always looked at SWR as a very general guideline. I withdraw what I want when I need it.
by tennisplyr
Fri Mar 12, 2021 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Relocation conundrum
Replies: 26
Views: 1928

Re: Relocation conundrum

This site might help you:

www.city-data.com/forum
by tennisplyr
Thu Mar 04, 2021 7:06 pm
Forum: Personal Consumer Issues
Topic: Digital COVID passport for travel
Replies: 32
Views: 1773

Re: Digital COVID passport for travel

NY just abolished quarantine requirements for travelers that have been vaccinated for 2 weeks. I keep my card and all associated appointment docs in a manila folder for an upcoming trip to NY. That's great news, I'm going to NY next month from our home (both of us have been vaccinated for several w...
by tennisplyr
Sat Feb 27, 2021 11:53 am
Forum: Personal Consumer Issues
Topic: Which car to sell?
Replies: 16
Views: 1273

Re: Which car to sell?

This site might have some useful information.

https://www.carcomplaints.com/
by tennisplyr
Sat Feb 27, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 160
Views: 8967

Re: Car suggestion for 70+ year-old mom

My wife is 69 and she loves the Mazda CX-5 that we got for her after years of owning Hondas.
by tennisplyr
Sat Feb 27, 2021 11:49 am
Forum: Personal Investments
Topic: Stick with Bond AA or 10 Years Living Expenses?
Replies: 31
Views: 1769

Re: Stick with Bond AA or 10 Years Living Expenses?

Retired 10 years and at 45/55...been close to that for decades, no reason to change.
by tennisplyr
Wed Feb 24, 2021 8:09 am
Forum: Personal Investments
Topic: All One's Eggs in One Basket?
Replies: 44
Views: 5068

Re: All One's Eggs in One Basket?

It's a personal decision...I would think if you were with a major fund company you'd be ok.
by tennisplyr
Tue Feb 23, 2021 8:20 am
Forum: Personal Investments
Topic: newly retire
Replies: 20
Views: 4046

Re: newly retire

This Vanguard website tool might be useful in developing an AA:

https://retirementplans.vanguard.com/VG ... -YYA4-CW3H
by tennisplyr
Mon Feb 22, 2021 7:49 am
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7104

Re: Retiring to Vermont/New Hampshire area

This forum might be worth checking out:

http://www.city-data.com/forum/
by tennisplyr
Sun Feb 21, 2021 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Cash: a survey
Replies: 95
Views: 6325

Re: Cash: a survey

Retired 10 years and have ~5% of my investable assets in cash.
by tennisplyr
Sun Feb 21, 2021 7:18 am
Forum: Personal Investments
Topic: Why do I never see a 50/50 split on this site or other sites?
Replies: 45
Views: 4275

Re: Why do I never see a 50/50 split on this site or other sites?

I've been at ~50/50 for decades and run simulations...outcomes don't change appreciably til you get far from it.
by tennisplyr
Sat Feb 20, 2021 8:07 am
Forum: Personal Investments
Topic: retirement target fund or individual funds ?
Replies: 32
Views: 2698

Re: retirement target fund or individual funds ?

One minor drawback for me a retiree in withdrawal phase...when selling funds you cannot earmark the segment (equity, bond) of interest.
by tennisplyr
Fri Feb 19, 2021 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you spend $1 million on a home in SW Florida?
Replies: 75
Views: 4916

Re: Where would you spend $1 million on a home in SW Florida?

dollarsansense wrote: Fri Feb 19, 2021 5:14 pm Lakewood Ranch or the Lake Club in Sarasota
+1
by tennisplyr
Thu Feb 18, 2021 8:25 am
Forum: Personal Investments
Topic: Withdrawing in retirement
Replies: 22
Views: 3281

Re: Withdrawing in retirement

Retired 10 years here. I keep ~5% of my investable assets in cash. When I want to withdraw, sometimes it's from the cash component and other times it's from a fund. Often my withdrawals are made with an eye towards where do I stand vs. my desired AA.
by tennisplyr
Wed Feb 17, 2021 5:40 pm
Forum: Personal Investments
Topic: Is there a conservative fund?
Replies: 27
Views: 2683

Re: Is there a conservative fund?

In case you are not aware, there are market simulators which will "test" different AAs based on your inputs. Here is one of them:

www.portfoliovisualizer.com
by tennisplyr
Wed Feb 17, 2021 8:48 am
Forum: Personal Investments
Topic: CASH versus BONDS
Replies: 56
Views: 6356

Re: CASH versus BONDS

Of my 55% fixed income, 5% is cash...retired 10 years.