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Re: Free Credit Report

http://www.annualcreditreport.com You can get one report free from each of the 3 agencies once every 12 months. (so some people get all 3 at once, and others get one report from a different agency every 4 months) And, if you have a spouse, you each can get 3 reports a year, and space them so that y...
by Sheepdog
Tue Mar 24, 2015 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 815

Re: One Level or Two Level House

Our son purchased a new 2 level home and moved in on Thursday. He is located about 200 miles away. I helped him move in that day and am disappointed that he purchased that instead of a single story. He didn't think about it. We can't visit him now as all 4 bedrooms are on the second level. There is ...
by Sheepdog
Sat Mar 21, 2015 11:56 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5557

Re: Reduced Spending thru Retirement? Models or Data

There are studies, but individuals seldom match a study. Mine doesn't. All retires are not the same. Spending, of course, relates to how much has been saved and how much other income you may have. What is your lifestyle? We bought cars on a scheduled basis before retiring. We traveled domestically a...
by Sheepdog
Sat Mar 21, 2015 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Reduced Spending thru Retirement? Models or Data
Replies: 6
Views: 702

Re: New washing machine won't fit down basement steps.

From Walmart : Danby 1.7 Cu Ft portable washer (21.44 " wide, 21.63'' long, 33.88 high) http://www.walmart.com/ip/19424150?wmlspartner=wlpa&selectedSellerId=0&adid=22222222227015530951&wl0=&wl1=g&wl2=c&wl3=40344098432&wl4=&wl5=pla&wl6=78307695752&veh=sem ...
by Sheepdog
Fri Mar 20, 2015 3:37 pm
 
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 2805

Re: An inspiring message for Bogleheads

Peter's story is wonderful and a tribute to all of the Bogleheads and it's predecessor, Morningstar's Vanguard Diehard forum. The latter had it's 17th anniversary yesterday (started 3/19/98). Imagine how many people are succeeding because of that start and the succeeding Boglehead founding. I found ...
by Sheepdog
Fri Mar 20, 2015 11:21 am
 
Forum: Investing - Theory, News & General
Topic: An inspiring message for Bogleheads
Replies: 56
Views: 4169

Re: how often do you check performance?

Curiosity says daily for me, but I know not to panic. I "stay the course". Besides, my wife always asks "How did we do today." I lie sometimes.
by Sheepdog
Tue Mar 17, 2015 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 50
Views: 2622

Re: What to look for in an income fund?

I know you will get advice based on your personal circumstances. Give more information, please. However, in the meantime, you asked What makes them income funds? High yield? Couldn't any fund with a high yield be used for income? What other factors should be considered when choosing a fund for gener...
by Sheepdog
Tue Mar 17, 2015 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: What to look for in an income fund?
Replies: 11
Views: 985

Re: Medicare Card and Medicare Advantage

I was told emphatically (written and verbal) to never show my Medicare card....only show the MA card. That is because I am insured by the MA now, not Medicare. She could ask her MA customer service about the request and take their advice.
by Sheepdog
Tue Mar 17, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 779

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

Sheepdog: Thank you for your comments. What worries me with a rate rise is a drop in NAV of the bond holdings which may not go back up for many years. Being forced to sell the fund shares at a lower price (due to the NAV drop) to meet the RMD requirements annually is not pleasant. Lower equity pric...
by Sheepdog
Tue Mar 17, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2677

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

It is a good choice for many, if not most, octogenarians. However, for me, also in my 80s and living off of my savings (+ SS), I would not want it as a sole holding. At my age, 30% stock would be too much in a period like 2008, and I don't know when that will again be. Now, if I wasn't living off of...
by Sheepdog
Tue Mar 17, 2015 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2677

Re: Credit Report Very Low For No Reason? Fixing it?

annualcreditreport.com is the one you want to go to for your credit report. Does this site actually work? I used it a few times and ONCE managed to get access online.... every other time it's fill out these 300 forms and mail them in. You can tell they are not wanting to provide this info and just ...
by Sheepdog
Mon Mar 16, 2015 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 56
Views: 2858

Re: Credit Report Very Low For No Reason? Fixing it?

I am another one adding on. Check your free credit reports. You will not be hassled to buy anything. Do it! And do it every year You may be surprised what you find. Several years ago when checking my wife's report (Yes, check these reports annually for all persons in your family. Each can be differe...
by Sheepdog
Mon Mar 16, 2015 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 56
Views: 2858

Watch out for this email scam (robbed in another country)

I have received scam emails in the last week as have others. They are supposedly sent from a friend. Have you? This one came this morning. Greetings, how are doing today? I don't know if you're aware that am presently in (Manila) Philippines,I was robbed of my cash, phones and credit cards last nigh...
by Sheepdog
Mon Mar 16, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: Watch out for this email scam (robbed in another country)
Replies: 5
Views: 1140

Re: Cleaning my back yard?

westie wrote:Bleach and water 50/50. Once dry, TSP and hot water with stiff brush. Rinse, done in 2 hours.

Agree. You need the bleach to kill the algae. After cleaning, repeat the bleach/water spray. again in mid summer..
by Sheepdog
Sat Mar 14, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 35
Views: 3772

Re: Poll: Are you happy after retirement?

Happy before and happy after, but different pressures which could affect happiness in some people. Before retiring there was pressure from my position in factory management...meeting schedules, employee leading...union dealings and negotiating....discipline issues...hiring decisions....layoff decisi...
by Sheepdog
Mon Mar 09, 2015 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Are you happy after retirement?
Replies: 24
Views: 2230

Re: What is your fixed income mix?

Long Time Retired
Total fixed income assets is 76% of total investment with the total broken down to:
40.8% Bonds within Wellesley Income fund
34.7% I Bonds
18.1% Short term investment grade bond fund
6.4% Cds
100.0% Total fixed income
by Sheepdog
Mon Mar 09, 2015 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your fixed income mix?
Replies: 33
Views: 2381

Re: High Cost of Fruits and Vegetables

I eat a lot of fruit and vegetables....especially a lot of fruit over the day for snacks...always have. I find that Aldi's fresh fruit, vegetables, and packaged salads are much lower cost than most other stores....including supposedly low cost Walmart and Sams (not on fresh stuff). I don't buy organ...
by Sheepdog
Sun Mar 08, 2015 11:39 am
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6974

Re: Bear Market strategies, if any

I was living off of my investments in 2000-02. I didn't lose any money on investments in 2000 (I wasn't heavy in tech stocks though), but my investment total dropped because I was spending. I did lose in 2001 and 2002. Because I was taking out for expenses monthly, my net worth dropped even more.. M...
by Sheepdog
Sun Mar 08, 2015 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Bear Market strategies, if any
Replies: 43
Views: 2997

Re: I hate the new Vanguard Web navigation!!!

KlangFool wrote:
Sheepdog,

May I know which version of window that you are running?? In my case, the pull down menu keep on disappearing...

Thanks.

KlangFool

Still using Windows XP on Desktop and 7 on laptop.
by Sheepdog
Sun Mar 08, 2015 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4519

Re: I hate the new Vanguard Web navigation!!!

I found no problem with the navigation with my Windows computer using Firefox. The new site was simple to explore, in my opinion.
by Sheepdog
Sun Mar 08, 2015 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4519

Re: How Many Credit Cards Do You Actually Use?

I have 6 cards and I use 4 of those regularly according to rewards. 1 card I use only for travel expenses because it awards 3% for travel. And, 1 card is just filed away. It once was my main card, but the reward makeup changed to make it useless for me.
by Sheepdog
Sun Mar 08, 2015 2:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 4444

Re: Retires: How much do you rely on investment income?

In 2013 and 2014
57% SS and SPIA
43% investments

However, funding SPIAs really came from investments. So, if I were to count SPIAs as part of my investment pool (which I do) then it would be
43% SS
57% investments
by Sheepdog
Sun Mar 08, 2015 1:52 am
 
Forum: Investing - Theory, News & General
Topic: Retirees: How much do you rely on investment income?
Replies: 31
Views: 4063

Re: Traits of Happiest Retirees

Since I am a happy retiree, I will check out the list with comments, if you don't mind. I imagine the dollar quotes are in near present dollars, so I will have to back some of it to my period of retirement (retired 1998). 1. Peak year earnings were close. What made that great is that I could sock aw...
by Sheepdog
Sat Mar 07, 2015 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 29
Views: 3888

Re: How long did you stay in your starter home?

18 months. I was transferred out.
by Sheepdog
Sat Mar 07, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4596

Re: How do you decide when to buy car?

When? Ours is a timed cycle. Our last New car was in 1999, a special present for my wife in my first year of my retirement. That ended our New car era. Since then our purchases have been 1 to 2 year old pre-owned cars with around 10 to12,000 miles. For no special reason, we purchase each on an 8 yea...
by Sheepdog
Sat Mar 07, 2015 9:19 am
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3294

Re: Follow-up: What % of net worth was your home at purchase

If you mean my first home purchased 53 years ago, I don't know. At that time I had very little and I bought that one on the GI Bill with Zero down payment.
If you meant my present home, purchased with a mortgage 43 years ago, I guess it would be, I still don't know.
by Sheepdog
Wed Mar 04, 2015 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Follow-up: What % of net worth was your home at purchase?
Replies: 14
Views: 1496

Re: Is Yahoo Mail working very slowly???

Until yesterday, during the last couple of weeks or so, Yahoo mail has been verrrrry slow on my Windows computer using Firefox. It seemed to be the slowest as Yahoo mails advertising was loading. It could take several minutes to load the mail, but it was slow otherwise as well. I also ran scans from...
by Sheepdog
Tue Mar 03, 2015 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1359

Re: Riding Snoblower

How to turn your lawn tractor to a riding snow blower http://www.snowblowersdirect.com/storie ... lower.html
by Sheepdog
Tue Mar 03, 2015 7:58 am
 
Forum: Personal Consumer Issues
Topic: Riding Snoblower
Replies: 13
Views: 1240

Re: Taylor Larimore Honored

Fallible wrote:Congratulations Taylor! Yet one more deserved honor for a member of "The greatest generation."

Thanks Mel for posting.

Yes, indeed.
by Sheepdog
Tue Mar 03, 2015 7:37 am
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 4874

Re: Retiree Poll: Satisfaction with retirement

Very Satisfied. Retired 16 years plus...Travel and/or cruise annually....Attend at least twice monthly a theater, symphony, or other arts performance....Attend sporting events regularly....Eat in nice restaurants weekly....Reasonably healthy at 81....Able to walk 4 to 8 miles easily....Able to have ...
by Sheepdog
Mon Mar 02, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 3989

Re: Favorite Vacation/Trip

There are many cruises with airfare, including the Mediterranean, available for well under that figure and especially low with inside staterooms. And, even lower in off season.
by Sheepdog
Sun Mar 01, 2015 3:03 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4438

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

1055 have signed the petition to date. Keep it going. There are over 43000 registered Bogleheads and untold watchers and friends. Time for all to join up.
by Sheepdog
Sat Feb 28, 2015 11:37 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11541

Re: Guns for hunting/defense

I can't help you. The only weapon I have ever owned or wanted, and I still have it, is a 22 caliber Remington single shot rifle, wood stock and all, purchased at age 16 from a Woolworth 5&10 toy department (Jacksonville Florida) in 1949. 22 cartridges were sold in the toy department also.
by Sheepdog
Thu Feb 26, 2015 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 7957

Re: Should you tip when picking up takeout food?

I do most times from takeouts from regular restaurants, not 15% or more though.. From fast foods...No. If delivered to my home...yes.
by Sheepdog
Thu Feb 26, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3867

Re: How much did you have saved up for retirement at age 30?

For retirement? None. I was trying to start an emergency fund.
by Sheepdog
Tue Feb 24, 2015 3:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 12995

Re: How much has Bogleheads contributed to your net worth?

Threads like this serve to convince me we are at a market top. In a quick search I wasn't able to find any similar threads around the March of 2009 timeframe. If you had asked this question in March 2009, I would have been even more positive. Yes, I was down at that time, but I shudder thinking of ...
by Sheepdog
Mon Feb 23, 2015 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4258

Re: how best to supplement heat with heat pump

My former lake cottage had a heat pump. My backup was a freestanding propane gas fireplace fed from bottle gas. It was attractive and a great backup at a place where electricity failed too often. For a rental? It should work okay as well as a supplemental heat source. If you do use gas, be sure to i...
by Sheepdog
Sun Feb 22, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 2519

Re: How much has Bogleheads contributed to your net worth?

That is difficult to quantify.. Between M* Diehards (which started in the year I retired) and Bogleheads, it has to be considerable. I know I would have gone downhill instead of of our net worth growing in retirement. I will put down 50%, but it could be even more.
by Sheepdog
Sun Feb 22, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4258

Re: Is is OK to directly download 1099's in TurbTax?

Even banks are hacked. Turbo tax could be ,as well I would be very skeptical. No, I would not let my password go to a third party, even if it is Turbo Tax. I don't find it too much effort or too time consuming to enter the 1099 information myself. In addition, if you use the same tax software system...
by Sheepdog
Sat Feb 21, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is is OK to directly download 1099's in TurbTax?
Replies: 9
Views: 738

Re: where to put excess cash

Thoughts: Traditional balanced and TR funds could cause you to pay more taxes in a taxable account. The Vanguard tax managed balanced fund, however, may fit your needs. I Bonds would give you some inflation protection and would give you more tax deferment. Muni funds might fit your needs, at least p...
by Sheepdog
Thu Feb 19, 2015 3:47 am
 
Forum: Investing - Help with Personal Investments
Topic: where to put excess cash
Replies: 18
Views: 2991

Re: New Credit Card Promo For AARP Members

I wonder if the 3% cash backs are the "Great introductory rate" mentioned on the upper right of the web page, and how long they will last. Regardless, it will take more than that to persuade me to return to AARP. Good question, but I can say that my 3% travel card has been in effect for o...
by Sheepdog
Wed Feb 18, 2015 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Promo.
Replies: 6
Views: 674

New Credit Card Promo.

I have an AARP Chase Visa credit card offering 3% back on travel related purchases(transportation, hotel, auto rental, cruises, etc) and 1% back on everything else. I have enjoyed the returns for several years. I use this one only for travel purchases AARP Chase is now offering a no fee credit card ...
by Sheepdog
Wed Feb 18, 2015 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Promo.
Replies: 6
Views: 674

Re: TreasuryDirect.gov is down Huh?

Most Washington government offices are weather related closed today, so that may be an effect.
by Sheepdog
Tue Feb 17, 2015 11:05 am
 
Forum: Investing - Theory, News & General
Topic: TreasuryDirect.gov is down Huh?
Replies: 4
Views: 563

Re: Projecting “Increasing Withdrawal Rates” and not SWR

I have no problems with the variable spending, if you can afford it. If the withdrawals are from taxable savings, or a Roth, then again no problem. The problem that can arise is if the withdrawals are from tax sheltered accounts, then the changing marginal tax rates of high versus low withdrawals m...
by Sheepdog
Tue Feb 17, 2015 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Projecting “Increasing Withdrawal Rates” and not SWR
Replies: 35
Views: 2662

Re: What 3 MATERIAL things would you take with you?

Fountain of Youth...that's all
by Sheepdog
Mon Feb 16, 2015 11:28 am
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1357

Re: Did you overestimate your retirement spending?

I went into retirement not expecting any changes in spending. Why would we? That was the plan to be the same. We were already traveling domestically and internationally on occasion. We were still going to buy autos on a regular basis, and maintain our home. We were going to continue to eat out, atte...
by Sheepdog
Sun Feb 15, 2015 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you overestimate your retirement spending?
Replies: 17
Views: 2327

Re: Your car repair/parts expenses for 2014

(not including tire rotation , oil change, oil filter, or wiper blades)
2010 Ford Edge
2014 $0
2013 $0

2007 Mercury Montego
2014 $0
2013 Tires $556, Brakes $325
by Sheepdog
Sat Feb 14, 2015 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1865

Re: Projecting “Increasing Withdrawal Rates” and not SWR

Repeating my message ad nauseam....It does not make sense to me to set a beginning withdrawal figure and increase that automatically by that year's inflation each year regardless of investment performance and/or needs. Instead, a planned average percentage withdrawal rate based on the previous year ...
by Sheepdog
Sat Feb 14, 2015 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Projecting “Increasing Withdrawal Rates” and not SWR
Replies: 35
Views: 2662

Re: Rooting for stock to go down to sell?

If you will ever have to live off of your savings, you will not root for stock to go down. At least, I would not.
by Sheepdog
Fri Feb 13, 2015 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Rooting for stock to go down to sell?
Replies: 22
Views: 1734
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