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Re: What Is The Worst Car You Have Ever Owned?

1958 Simca Aronde, a French made auto. I purchased it used in about 1966. What makes it the worst? Besides being noisy, poor steering and pickup, the engine mounts collapsed as I turned a corner and the engine fell to the ground! Sold for scrap.
by Sheepdog
Sat Apr 18, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1460

Re: Do you wish you retired earlier?

No. Why wish for something which cannot be changed. No regrets ever.
by Sheepdog
Thu Apr 16, 2015 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you wish you retired earlier?
Replies: 28
Views: 3505

Re: Does your family know about your net worth (ball park)?

1. Parents and sibling long gone, but they never knew my earnings or net worth. 2. I didn't know my parent's or sibling's actual net worth either, but I knew it was not much......less than $100k My wife's sibling does not know either, nor we theirs. I suspect they would be very surprised of ours. As...
by Sheepdog
Tue Apr 14, 2015 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 91
Views: 9060

Re: Engineering as a career for a graduating HS student ?

My son, a 1987 Purdue graduate mechanical engineer, advanced within a large conglomerate as an engineer in their aircraft divison, to their medical division, then as manager for a special corporate "Black Belt" trainer division, then became global director in their medical division and the...
by Sheepdog
Mon Apr 13, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 4312

Re: How does this site make money?

Actually, PayPal charges the nonprofit 2.2% to 2.9% + transaction fee to process donations. From their site: How can my charity or nonprofit use PayPal to collect donations? . . . There are no monthly or set-up fees with donation button transactions. Your organization only pays processing fees when...
by Sheepdog
Sat Apr 11, 2015 2:22 pm
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5348

Re: How does this site make money?

It says they take donations by pay pal or check. How much of a cut does Pay Pal take? It is at least $5 or $10 worth of trouble to write a check, put it in an envelope, address it and mail it. Does Pay Pal take a percent or a fixed amount? There is no fee to use PayPal to transfer money from your c...
by Sheepdog
Sat Apr 11, 2015 9:27 am
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5348

Re: How does this site make money?

Thanks for the reminder. I am sending my annual donation now. How about you?
by Sheepdog
Sat Apr 11, 2015 9:15 am
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5348

Re: Would you use your neighbor's son for yard service?

My two sons mowed lawns, cleaned leaves, etc. over about 12 years total for 2 kids. They put out flyers, were interviewed and they did enough to pay almost all of their out of pocket expenses, including gas money and auto insurance when they started driving, They did that, plus other odd jobs, in mi...
by Sheepdog
Sat Apr 11, 2015 9:08 am
 
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 2141

Re: Has Anyone had a Credit Card Cancelled for not Using It

I also have had several cards (Visa, Mastercard, store and gas) cancelled because of non use. I, in effect, cancelled them by non use.
by Sheepdog
Fri Apr 10, 2015 9:27 am
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 49
Views: 3391

Re: Target Retirement 2015 has Bonds = Age - 15%?

Target 2015 will gradually change to Target Income's 30% stock allocation over the next 7 years. It is generally recommended that the target date retirement fund stock allocation may not meet an individual's risk tolerance. (Vanguard's Target funds do have too high of a stock allocation for some peo...
by Sheepdog
Fri Apr 10, 2015 5:33 am
 
Forum: Investing - Theory, News & General
Topic: Target Retirement 2015 has Bonds = Age - 15%?
Replies: 3
Views: 526

Re: How does a retired person mitigate a Bond Bubble?

Fortunately your mother has enough income to pay her expenses without touching her IRA. How will she mitigate a bond bubble? First, she has stocks within her Target Income Fund. Second, the bond's earned interest will grow as interest rates increase. If she keeps the bond containing investments for ...
by Sheepdog
Fri Apr 10, 2015 5:02 am
 
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5676

Re: Your homeowner and auto insurance annual rate increases?

Following up my comment above, I am now in the process of obtaining new quotes from several companies on both auto and homeowner's insurance. So far, GEICO is higher on both. (No. They don't save me 15% or more!!) State Farm is higher on both as well AARP Hartford, although their rates are still sta...
by Sheepdog
Wed Apr 08, 2015 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 23
Views: 2517

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

Sublime8700 wrote:BTW is there any good way to get your FICO score without spending $50 on Experian?
If you have a credit card, check them. Many will give your FICO score for free. 4 of 5 of my cards do.
by Sheepdog
Tue Apr 07, 2015 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3299

Re: What are you up YTD?

2015---+1.24%
From conservative investments containing 65.9% Wellesley, 10.2% Short term investment grade, 20.2% I Bonds and 3.7% Cds.
This is calculated ongoing by my Money 2002.
by Sheepdog
Mon Apr 06, 2015 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 317
Views: 37569

Re: LOL how long do you keep old tax returns

There was a Bogleheads poll last January. See this: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=155756&newpost=2337465 I wrote then " I am 81 and I have my 1040s since 1962. (1962 return...total wages $7,445 and total federal taxes $1,092.18) I don't have many supporting docume...
by Sheepdog
Sat Apr 04, 2015 7:18 pm
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3117

Your homeowner and auto insurance annual rate increases?

What is a respectable increase on insurance rates for auto and homeowner's insurance? My recent history: Homeowner insurance. I changed my insurance company in 2012 to Selective Insurance . They were the best quote that year. However, their rates increased 19% in 2013, 24.3% in 2014 and 15.5% in 201...
by Sheepdog
Sat Apr 04, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 23
Views: 2517

Re: Did you learn anything from 2008?

There will be a time when the market crashes and doesn't recover. I would caution against the "I knew all along it would come right back" line of thinking. No one knew at the time anything of the sort. Well, I did, or maybe you would rather I say I believed it would recover because the ov...
by Sheepdog
Tue Mar 31, 2015 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8404

Re: Recurring utility bills - How do you pay?

I auto pay from checking for some since all of our utility companies do not accept credit cards. Those recurring bills such as cable and telephone which will accept CCs are on CC auto pay.
by Sheepdog
Sat Mar 28, 2015 4:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3064

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: 857

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: 5786

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: 733

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: 2956

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: 4294

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: 70
Views: 4815

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: 1013

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: 799

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: 2787

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: 2787

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: 60
Views: 3299

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: 60
Views: 3299

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: 1160

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: 39
Views: 4573

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: 2290

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: 2434

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: 7114

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: 3159

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: 4654

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: 4654

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: 4888

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: 4237

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: 4042

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: 4751

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: 3469

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: 1536

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: 1431

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: 1291

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: 5349

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: 4084

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: 4663
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