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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: 103
Views: 4398

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: 45
Views: 2329

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: 146
Views: 8824

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: 4024

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: 2306

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: 4024

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: 704

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: 14
Views: 2053

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: 650

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: 650

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: 533

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: 2504

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: 1246

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: 2242

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: 1733

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: 2504

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: 1681

Re: How many have a membership in AARP?

I have it and have found it useful and have saved money on AARP Hartford auto insurance (yes, I get quotes every year from GEICO, and a half dozen others etc. and it is still the lowest). I have used AARP travel reservations on hotels, cruises and air. (yes, it has been lower than other travel agenc...
by Sheepdog
Thu Feb 12, 2015 11:56 pm
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3947

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

Would it be proper or not proper to send a private message to all members to ask them to consider signing the petition?
by Sheepdog
Thu Feb 12, 2015 1:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 8930

Re: Using online tax software

Well, I have been using online tax software for myself and several friends since the 2005 tax year (10 years) just fine.
by Sheepdog
Wed Feb 11, 2015 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Using online tax software
Replies: 14
Views: 999

Re: Be wary of potential scam messages

surfstar wrote:Who uses an AOL account now-a-days? That would be the first tip off ;)

Interesting comment. I checked my address book and found that 8 people on it use AOL. Yes, that is surprising.
by Sheepdog
Fri Feb 06, 2015 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Be wary of potential scam messages
Replies: 9
Views: 827

Be wary of potential scam messages

I received the below message this morning from a service club colleague. The supposed sender's AOL address was correct but the requested reply address was to have gone to a Hotmail address. AOL is presently working on this with my colleague. Be safe...not sorry. Am sorry for not informing you about ...
by Sheepdog
Fri Feb 06, 2015 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Be wary of potential scam messages
Replies: 9
Views: 827

Re: Do retired Bogleheads have rising net assets?

I retired 12/31/1998 and began taking RMDs 2 years later. My withdrawal rate has varied between 4.3% and 6.5% with higher percentages in recent years as a result of higher RMDs. The average withdrawal over 16 years is 5% The value of my IRA is now 4.1% more than the day I retired. In addition I hav...
by Sheepdog
Tue Feb 03, 2015 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4437

Re: Do retired Bogleheads have rising net assets?

I have been retired since 1998 (16 years) so I have gone thru 2 major downturns. I have taken out an average of 4.56% a year. The total of my invested assets has risen 7%

edit: Calculated the growth of total assets.
by Sheepdog
Mon Feb 02, 2015 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4437

Re: Semi-annual Furnace/AC Inspection

I have my furnace checked annually in Nov/Dec and the AC in July/Aug. Once they found the furnace heat box cracked which perhaps saved our lives from CO....then I installed a CO detector.... should have had one earlier. The furnace is cleaned each time and the electrical system checked. Of course, t...
by Sheepdog
Sat Jan 31, 2015 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 1189

Re: POLL: How Will You Complete Your 2014 Taxes?

Tax Slayer thru Free E File for several years (free federal and state).
by Sheepdog
Sat Jan 31, 2015 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4748

Re: Birthday idea for fiancée (investment)?

I know my fiancee would not have appreciated that....not romantic. Maybe I would have thought of it as practical, but she wouldn't have. She would have thought of the gift like giving her a vacuum cleaner. Sorry, I just know what mine would have thought. Show her two tickets to a romantic location l...
by Sheepdog
Sat Jan 31, 2015 9:56 am
 
Forum: Personal Consumer Issues
Topic: Birthday idea for fiancée (investment)?
Replies: 15
Views: 1580

Re: Filed your 2014 Federal Taxes yet?

No. i won't receive my last form needed to file until around March 15 (a charitable pooled income fund). Other than that, it is ready to go.
by Sheepdog
Sat Jan 31, 2015 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4037

Re: Your Minimum Annual Expenses

Let's see, looking at our 2 retired person's expenses ($70,001) in 2014 there were many expenses which we didn't need. We ate out regularly and didn't need to buy alcohol, attend sporting and theater events, remodel a bath, donate to charities, feed birds, spend on landscaping, have cable,take a vac...
by Sheepdog
Sat Jan 31, 2015 5:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 3677

Re: "Retiring in a Low-Return Environment"

Inquiring Minds want to know : How many of the Posters who are in decumulation have Pensions, Pensions with COLA, Annuities not annuitized, SPIAs, or passive income as rentals? Or are they doing their decumulation, solely on an sufficiently large retirement pile of securities? Disclaimer: We have a...
by Sheepdog
Fri Jan 30, 2015 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 7320

Re: POLL: Prepay car loan (1.75%)

Williams Shakespeare Neither a borrower nor a lender be; For loan oft loses both itself and friend, And borrowing dulls the edge of husbandry. This above all: to thine own self be true, And it must follow, as the night the day, Thou canst not then be false to any man. Thank you, Bill. Good advice. ...
by Sheepdog
Fri Jan 30, 2015 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1455

Re: The lowest stock allocation you plan to stay with

My stock allocation has been 100 minus my age since I was 66. (34% at 66). (I was at 55% at 65.) I continued that formula until I was 78 (22%). I have remained at 22% since. I will be 82 this year. I have lived off my investments and SS only. My investment value has grown since retiring at 65, so I ...
by Sheepdog
Fri Jan 30, 2015 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4323

Re: Cashing a Series EE Paper Savings Bond

Did you have an account at that local bank? Also, from the treasury website: Have a certifying officer at a bank where you have an account certify your signature in the request for payment on the back of each bond. USAA does not have any local branches and I'd rather not pay a notary if I don't hav...
by Sheepdog
Fri Jan 30, 2015 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cashing a Series EE Paper Savings Bond
Replies: 3
Views: 354

Re: Cashing a Series EE Paper Savings Bond

I have cashed EE and I Bonds over $1000 at my local bank several times. I have read that some banks will not, however. I suggest that you telephone your bank to ask. This is written at the Treasury Direct website: Y ou can cash paper EE and E bonds at many local financial institutions. Or, you can c...
by Sheepdog
Fri Jan 30, 2015 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cashing a Series EE Paper Savings Bond
Replies: 3
Views: 354

Re: Many Thanks, Sheepdog

It's also amazing that your investments have grown while you've been withdrawing, even with your stock portion as low as 22%! Congratulations on your success. It's very inspiring! :beer Thanks for the comment. When I reached retirement, I was nervous. I thought, "Would I have enough to last?&q...
by Sheepdog
Fri Jan 30, 2015 12:43 am
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 7320

Re: How to respond when someone asks how much money you make

I would never tell someone what I made. It can do no good to anyone for them to know. If such a question came up, I would say, "it is best that we don't know what we each earn. It is private, in my opinion."

Actually, my company frowned on sharing what we made. That is a good idea.
by Sheepdog
Thu Jan 29, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10320

Re: "Retiring in a Low-Return Environment"

Sheepdog, do you do variable percentage withdrawals? Sorry, I haven't seen your previous posts on this. (I'm not that familiar with VPW, so I'll check the wiki.) I said my goal was to take out an average of 4.5% and not adjust for inflation. I have taken out as low as 3.11%, but as high as 7.52%, b...
by Sheepdog
Thu Jan 29, 2015 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 7320

Re: "Retiring in a Low-Return Environment"

Sorry, I have to write this again. If you don't automatically increase your annual withdrawals by some inflation rate, but instead take your scheduled percentage withdrawals based on your portfolio balance at the end of each year, you will not run out. In fact your portfolio can grow. If your portfo...
by Sheepdog
Thu Jan 29, 2015 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 7320

Re: Vanguard Low Cost Actively Managed Funds

You may appreciate this 2013 article by Paul Merriman titled "Fidelity vs Vanguard" http://www.marketwatch.com/story/fideli ... nt_popular .
My major stock containing fund is Wellesley, by the way.
by Sheepdog
Mon Jan 26, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Low Cost Actively Managed Funds
Replies: 8
Views: 1443

Re: Android or iPhone? Which do you like, and why?

I'm happy that I never wanted either one.
by Sheepdog
Sun Jan 25, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1906

Re: Downside to eDelivery?

One benefit to paper statements that I think gets overlooked If the account holder were to pass away suddenly, the paper statements in the mail are an easy reminder for the family, "Hey, There is an account at XYZ firm..." That is one reason I keep paper. That, and my wife won't use a com...
by Sheepdog
Sun Jan 25, 2015 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2202

Re: WHAT EXPERTS SAY

Thank you, Taylor, for your wisdom. Thank you for caring for us. Thank you for your birthday present to us. God bless you.

HAPPY BIRTHDAY
by Sheepdog
Sun Jan 25, 2015 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3594

Re: 400ft Driveway - How do I plow the snow?

My driveway is not as long as yours, but it is 180 feet long and 16 feet wide. Until I reached about 65, I did it by hand even after a blizzard in 1979. (masochistic, I guess). Since then I am able to clean it quite well with an electric start Toro snow blower. Well, that blower still works, but it ...
by Sheepdog
Sun Jan 25, 2015 2:01 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 5308

Re: Time to stop driving for 85 yo MIL

"For better or for worse, our current culture is very car-dependent; in many places, cars are the only convenient link to the outside world. Unfortunately, as people age, driving can become more difficult and more dangerous. The elderly drive less, but have more accidents per mile than younger ...
by Sheepdog
Sun Jan 25, 2015 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 5737

Re: Where do you think the stock market heading this year?

Hmmmm. January effect you say? Well, my investments have earned 3 times more year to date compared to the same 1/1 to 1/24 last year and is virtually the same as during the same dates in 2013. (I get those figures from my Microsoft Money.) I'll take that. Where's the market heading? No one...No one ...
by Sheepdog
Sun Jan 25, 2015 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1583

Re: Poll: Principles of Boglehead Philosopy

Several of the choices are important, but a person's choices may be best for their stage in life, so they may be different.. As a retiree living off of his life's accumulation, my 3 are,
Keep investment costs low
Manage investment risk carefully
Stay the course
by Sheepdog
Sat Jan 24, 2015 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3818

Re: Need Income-Wellesley & Wellington or just Wellesley

Wellesley has provided a good percentage of our investment dividend and capital gain income for the last 15 years. All of it is within our tax deferred accounts, traditional and Roth IRAs.
I did have Wellington in my younger years, long before retiring.
by Sheepdog
Fri Jan 23, 2015 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Income-Wellesley & Wellington or just Wellesley
Replies: 24
Views: 4069

Re: Fairmark: Free Tax Filing

I didn't see any reference to VITA or AARP TaxAide(TCE) or completing paper forms by hand for that matter. I agree. Until a dozen years or so ago I always completed my returns by hand on paper by following filing instructions and studying tax codes. And, they included tax shelters, stock trading, e...
by Sheepdog
Fri Jan 23, 2015 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fairmark: Free Tax Filing
Replies: 5
Views: 573

Re: Credit card FICO, is it a gimmick? EMV+sign, useful?

Out of curiosity I checked 3 of my credit card offering FICO scores Barclay Card 798 (pulled on 1/21 from TransUnion) It shows my 12 mos history as being from 785 to 813.. Discover Card 815 (pulled on 12/28 from TransUnion) PenFed Card 807 (pulled on 12/2 from??) As expected, they vary by time. I al...
by Sheepdog
Fri Jan 23, 2015 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card FICO, is it a gimmick? EMV+sign, useful?
Replies: 20
Views: 2389
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