Search found 3612 matches

Return to advanced search

Re: Should elderly play it safe & risk not having enough or

Well, the problem with selling investments was that the premise of my question was what do you do if you're not convinced you have enough money to outlive you? Meaning, if you keep selling investments you might run out. abyan, Selling investments in retirement is why you have investments in retirem...
by Sheepdog
Sat Aug 30, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Should elderly play it safe & risk not having enough or no?
Replies: 13
Views: 1413

Re: Should elderly play it safe & risk not having enough or

abyan, For an older person living off of his/her savings, asset allocation is important, expenses are important, percent withdrawal needed is important. but so is maintaining health and exercising regularly which can be the best way to live longer and reduce medical needs. What do you mean "pla...
by Sheepdog
Sat Aug 30, 2014 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Should elderly play it safe & risk not having enough or no?
Replies: 13
Views: 1413

Re: If you had an extra $100,000

I don't need it, but I would hold it for possible long term care needs, but if long term care is not needed, it would be given to my local Children's Museum as an inheritance.
by Sheepdog
Thu Aug 28, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 53
Views: 4412

Re: What are you up YTD?

81 year old retiree, 24% stocks, 4.6% YTD
by Sheepdog
Tue Aug 26, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6267

Re: did I damage my fridge by leaving the door open for a we

I have a small refrigerator in my garage which I use to keep water, soft drinks and Gatorade. It has been in use for 32 years. The rubber door seals are old, The door has been partially left open many times in summer heat, perhaps for days...I don't know how much. It keeps going and going and going...
by Sheepdog
Tue Aug 26, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2690

Re: S&P500 over 2000

js12337 wrote:So who is selling equities and buying bonds to re-balance their portfolio?

My target fund is so that means I am.
by Sheepdog
Tue Aug 26, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5322

Re: did I damage my fridge by leaving the door open for a we

I have a small refrigerator in my garage which I use to keep water, soft drinks and Gatorade. It has been in use for 32 years. The rubber door seals are old, The door has been partially left open many times in summer heat, perhaps for days...I don't know how much. It keeps going and going and going ...
by Sheepdog
Tue Aug 26, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2690

Re: Earthquake Preparedness

I live in Indiana on the Wabash Valley Fault which connects to the larger New Madrid Fault which had a 7.2 earthquake in 1811. It rang the bells in Boston. This link shows the location of the fault: http://showme.net/~fkeller/quake/images/mapnaturecom.jpg I have earthquake insurance, 10% deductible,...
by Sheepdog
Mon Aug 25, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1999

Re: Tipping tradespeople

We keep nice cold Gatorade, bottled iced tea or lemonade, or just ice cold water, for any workpeople, especially when the weather is hot (or if they look tired, hot, stressed), and hand it out, insist that they ask if they want more (we assume, however, that they won't ask, so we keep offering for ...
by Sheepdog
Sun Aug 24, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Tipping tradespeople [rain gutter installers]
Replies: 27
Views: 2334

Re: Paper I/EE Savings Bonds are only reissued electronicall

I didn't know that either. It shows that same information on the Reissue form, revised May 2014, http://www.treasurydirect.gov/forms/sav4000.pdf PD F 4000 R EISSUES OF SERIES EE AND SERIES I BONDS NOTES: 1) When we reissue a Series EE or Series I savings bond, we no longer provide a paper bond. The ...
by Sheepdog
Sun Aug 24, 2014 2:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Paper I/EE Savings Bonds are only reissued electronically
Replies: 4
Views: 733

Re: POLL: Age for Collecting Social Security Benefits

Three months before my 65th birthday, I had a heart attack, with an angioplasty, etc. so I took my SS at 65. Then, when my wife reached 62 three years later, she started hers. Why not, I thought, I am unlikely to live much longer..especially because of the heart attack and that my father died at 61,...
by Sheepdog
Sat Aug 23, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7364

Re: Do you tip on the tax?

Let's see...I may go to a resort restaurant next month where the "Prix Fixe" is $135 a person with wine pairings at $65 a person, if you wish to partake 6 to 7 wines during 6 to 7 courses. Tacked on to that $400 tab for 2 will be the 6% state and maybe a county tax. The gratuity will then ...
by Sheepdog
Fri Aug 22, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4976

Re: Retiree Poll: Do you do any volunteer work?

I have always volunteered in organizations during my working years, probably as much as now. In retirement, I volunteer weekly at a Children's Museum. My Rotary Club has several service projects every year in which I assist. I assist the United Way in being a member of a fund allocation panel. Every...
by Sheepdog
Fri Aug 22, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you do any volunteer work?
Replies: 32
Views: 2308

Do you take all of your allowed paid vacation time?

Americans Only Take Half Of Their Paid Vacation Please take this "Vacation" poll. From MarketWatch http://www.marketwatch.com/story/americans-only-take-half-of-their-paid-vacation-2014-04-03?siteid=rss&rss=1 Americans are so busy looking over their shoulders at work, they only take ha...
by Sheepdog
Fri Aug 22, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5620

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

Simplegift wrote:
Source: 2014 Investment Company Fact Book


Thank you for that link. That is very interesting reading on stock, bond and target mutual fund investing trends
by Sheepdog
Thu Aug 21, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6601

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

MarketWatch has a short version of the WSJ aticle http://www.marketwatch.com/story/investors-flock-to-vanguard-turning-away-from-stock-pickers-2014-08-21?siteid=rss&rss=1 What concerns me with the Vanguard growth is not the money as much but will Vanguard's customer service (facilities and staff...
by Sheepdog
Thu Aug 21, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6601

Re: Roth Conversion - Old Age

Because I did, I agree that your parents should consider converting part of their IRAs. They don't have to convert all to have some advantage when they get old (They aren't old now and they may never be, if they consider old as only being a state of mind.) or for their heirs to have the advantage of...
by Sheepdog
Tue Aug 19, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion - Old Age
Replies: 31
Views: 1181

Re: Questions about fertilizing and seeding lawn

Sunnyday, Google North Carolina lawn rejuvenation or similar and you may get some good ideas for your area. I planted a lawn in the Atlanta, Ga area on red clay, so I understand the problems. There are positives though as the clay has more iron than many which helps plantings, and once it is moist i...
by Sheepdog
Tue Aug 19, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1521

Re: Questions about fertilizing and seeding lawn

Yes, cut the lawn before applying the lime but don't overcut it. 1.5 to 2 inches is ideal. If you cut it too much, that would cause stress with the chemicals added. The best time to add lime is in the mid to late fall, but since you want to reseed also, do it in early fall, around Labor Day. For the...
by Sheepdog
Tue Aug 19, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1521

Re: POLL: Uninsured/Underinsured Motorists Coverage?

My wife was involved with a serious accident in 2009 at which an inattentive driver crashed into her at high speed, near a stop light, from the rear resulting in her car being destroyed and the 3 cars in front of my wife damaged. The total damages totaled over $500K. The at-fault driver was well co...
by Sheepdog
Mon Aug 18, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Uninsured/Underinsured Motorists Coverage?
Replies: 17
Views: 1032

Re: POLL: Uninsured/Underinsured Motorists Coverage?

My wife was involved with a serious accident in 2009 at which an inattentive driver crashed into her at high speed, near a stop light, from the rear resulting in her car being destroyed and the 3 cars in front of my wife damaged. The total damages totaled over $500K. The at-fault driver was well cov...
by Sheepdog
Mon Aug 18, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Uninsured/Underinsured Motorists Coverage?
Replies: 17
Views: 1032

Re: What was Underestimated\Overestimated in Retirement

How does ~$1000 per month sound for the two of us when you put it all together? Possibly even more if you have expensive dental work done. Obviously, singles can cut that estimate in half. Mel, It looks like mine is the same also. (2 retirees) Our medical expenses averaged $12,160 a year for the la...
by Sheepdog
Sun Aug 17, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 4663

Re: When did you officially "retire"?

At 65 and 1 month.

Here is a similar survey taken in 2008. viewtopic.php?t=12457&mrr=1202321762 . At that time, of 129 responders, the result was a near perfect bell curve...1/3 before 54; 1/3 after 60; and 1/3 in the median 55 to 59 age range.
by Sheepdog
Sun Aug 17, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you officially "retire"?
Replies: 2
Views: 621

Re: What was Underestimated\Overestimated in Retirement

19 years retired. Overall expenses are what I estimated as my spending was close to what I was spending my last 5 years of working and I expected it not to change. We were already traveling, so that was not a surprise. We were buying autos, so that did not change. Medical costs including insurance i...
by Sheepdog
Sun Aug 17, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 4663

Re: How to value house with unwanted tennis court

You could make an offer with the seller removing the court, filling the area with clean top soil, and planting grass prior to final closing. If they want to sell it, they will. If they don't, you can look elsewhere. It really isn't unlike buyers making conditions such as the seller replacing a drive...
by Sheepdog
Sat Aug 16, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2122

Re: Pressure Cookers?

We used to have one years ago, like 1970 or so and my parents had one in the 50s. They are wonderful for fast cooking. Wonderful stews and roasts can be made in a relatively few minutes. (About 1 hour for a pot roast) They are great for a working couple. Years ago, many people stopped using them whe...
by Sheepdog
Sat Aug 16, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3282

Re: USAA Changes effective 6 Aug 14

After 30+ years, I am clearing out of USAA after an auto accident claim was vastly under reimbursed. Their auto claims department was a nightmare to deal with and they did manage to under reimburse in the thousands and for that I am actively withdrawing umbrella, homeowners, auto for 6, all investm...
by Sheepdog
Sat Aug 16, 2014 3:04 am
 
Forum: Investing - Help with Personal Investments
Topic: USAA Changes effective 6 Aug 14
Replies: 28
Views: 3800

Re: When did you downsize?

I never upsized....didn't need to. It was not that I didn't want to..just that I didn't need to.
by Sheepdog
Thu Aug 14, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3263

Re: Would you tip this tour guide?

I would have tipped the guide. It wasn't his fault as he got what he got. It sounds like he had no choice. You aren't tippling the company, you are tipping the driver. However, I would have complained to the tour operator. Maybe they didn't know either before hand. Some tours do have limitations pos...
by Sheepdog
Thu Aug 14, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2187

Re: Kids getting older, thoughts on the future

Yes, many of us with children go through changes in life as they move on with their lives. I also passed away from the little leagues and playing catch in the backyard. However, all of us don't think about life changes, some of us just let things occur. We may join the LIons or similar service organ...
by Sheepdog
Thu Aug 14, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Kids getting older, thoughts on the future
Replies: 10
Views: 1973

Re: I-bonds have doubled !!! thanx mel/taylor

A little change in the direction of this conversation, but on-subject in regards to I Bonds. I have a good amount of those 3.0 to 3.6% I Bonds. (I didn't back up the truck, but I hitched up my wheelbarrow.) I have begun to think about the day of reckoning when them must be redeemed at their 30 year ...
by Sheepdog
Wed Aug 13, 2014 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4392

Re: Where do you store your important documents?

whadyaknow wrote:Folks storing their original will in a bank safe deposit box, aren't you worried that your executor might not get immediate access to your will, delaying execution?

Our trust and will executor's signature is registered to gain access to the safety deposit box, so there will be no delay.
by Sheepdog
Tue Aug 12, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3254

Re: Where do you store your important documents?

I use a bank safety deposit box to store important papers which could be lost, stolen, or even destroyed in a home fireproof safe (extreme fire, tornado, etc.) Stored there are our original revocable trust, auto titles, I Bonds, SPIA, birth certificates, military discharge papers, marriage certifica...
by Sheepdog
Tue Aug 12, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3254

Re: Robin Williams

Why ? Why? I loved that man. I watched "Dead Poet's Society" just last night... What a loss. He gave so much joy. He had so much more to give.
by Sheepdog
Mon Aug 11, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4630

Re: So where's that inflation many forecasted?

Inflation really has been very low for me Comparing my wife and my personal select category expenses for the last 3 years year-to-date (1/1 to 8/11/2012-2013-2014) I use Money 2002 for record keeping. Expenses as of 8/11....... 2014 ....... .2013 ........ 2012 Groceries....................3002.........
by Sheepdog
Mon Aug 11, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 2660

Re: Carry on Luggage Restrictions

The airline I will fly next month, US Airways has this carry on luggage restriction. You're allowed 1 carry-on bag and 1 personal item. Your carry-on bag can be up to 45 inches (22 x 14 x 9 in) or 115 centimeters (23 x 36 x 56 cm) Your personal item needs to be smaller than your carry-on item and mu...
by Sheepdog
Sat Aug 09, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Carry on Luggage Restrictions
Replies: 24
Views: 1631

Re: Poll - Do you use Quicken?

I still use Money 2002 on Windows for everything financial with all investment and spending records recorded and analyzed since 1996. I use it's future cash flow analysis religiously. I will be lost when I can't use it any longer.
by Sheepdog
Sat Aug 09, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5099

Re: How do you address your inlaws and being addressed?

The custom may be in what area of the country you live. When I grew up in the 30s and 40s in the South, adults were called Mr. or Mrs. Through college, I called teachers and profs Mr. or Miss, for example. I called my aunts and uncles, "Aunt Lucile" or "Uncle Lovic" You never cal...
by Sheepdog
Sat Aug 09, 2014 1:30 am
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4737

Re: Neighbor's Tree

Your neighbor is not responsible to clean up leaves and limbs from their trees if and when they fall on your property, or even the tree itself if it falls on your property, except if the tree was diseased and not maintained.. Are you sure about that? Wouldn't that give the property owner who does n...
by Sheepdog
Sat Aug 09, 2014 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3022

Re: your eye doctor; your eyes....

I visit an ophthalmologist, not only for normal eye exams, but he has performed cataract surgery in both eyes and treated eye diseases. Also covered are annual eye exams because of diabetes. All visits are covered by Medicare (except for new eyeglasses)
by Sheepdog
Fri Aug 08, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3282

Re: Your Favorite charity organization...? please

Different strokes for different folks My wife and I have these organizations in our wills, but our wills are not the same. Nature Conservancy Local Community Foundation which help fund many organizations Rotary Intl. Foundation Local Humane Society We give annually to the above and also annually to ...
by Sheepdog
Fri Aug 08, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4213

Re: Neighbor's Tree

That is part of owning a property. You are responsible for your property. Your neighbor is not responsible to clean up leaves and limbs from their trees if and when they fall on your property, or even the tree itself if it falls on your property, except if the tree was diseased and not maintained..
by Sheepdog
Thu Aug 07, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3022

Re: [If over 50] Do you prepare for long term care

I would have purchased LTC insurance, but was turned down at age 65 and 68. (If you want LTC insurance, don't wait too long). My wife does have one, however. I don't have a long term plan, but I could handle 4 years in a nursing home okay,($75,000 a year) but longer than that in a nursing home would...
by Sheepdog
Wed Aug 06, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2111

Re: average American eats out 203 times per year

Close to the average for me.
by Sheepdog
Wed Aug 06, 2014 6:35 am
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6428

Re: Why should a portfolio get safer as one ages?

If the market dropped a significant amount, say 10% or more, would you only sell bonds in order to have cash (assuming you're retired and liquidating investments for your living expenses) until some amount of recovery? It seems to me that if you sold equities after a sharp drop, you're really impai...
by Sheepdog
Mon Aug 04, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Why should a portfolio get safer as one ages?
Replies: 30
Views: 2796

Re: High School Reunions--Have you attended?

The first reunion which I attended was my 35th (Lee High School, Jacksonville Florida class of 1951) I had lost touch with the class before that one. I received a letter from my mother and my sister with a newspaper ad and a photograph of large bill boards which were put up over and around the city ...
by Sheepdog
Mon Aug 04, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5082

Re: How often do you replace bath towels?

For our use, the towels are not replaced until they look scruffy. However, we do have special towels for guests. Sometimes if those become less attractive, we inherit them and we buy new ones for guests My guess is that we buy guest towels about every 5 to 7 years or so. There was a time, maybe some...
by Sheepdog
Sat Aug 02, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3745

Re: Is Medigap insurance really needed?

In 2008, due to an auto accident, my wife had big expenses. For that year, her Medigap policy paid $23,000. At that time her annual Medigap premium was $1880; however, in most years the premium is more than the payout. She still has Medigap. I had it also, but switched over to an Advantage plan this...
by Sheepdog
Sat Aug 02, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4162

Re: How Much Did You Lose Today?

sscritic wrote:I am confused. Which today are we talking about today?

I don't have time to answer. Ask me tomorrow if today is tomorrow, or yesterday or day before yesterday
by Sheepdog
Fri Aug 01, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14173

Re: How old are you?

Nice survey. Thanks.
An interesting statistic is that only 15% of the respondents are in the normal retirement ages of 66 plus. That surprises me. Yes, we have additional early retirees here also, but this is still interesting.
by Sheepdog
Fri Aug 01, 2014 10:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6599
Next

Return to advanced search