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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: 1123

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: 17
Views: 1156

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: 17
Views: 1156

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: 997

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: 997

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: 4505

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: 597

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: 4505

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: 2101

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: 41
Views: 2724

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: 3679

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: 3222

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: 2172

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: 1896

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: 4360

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: 3186

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: 3186

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: 4612

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: 2599

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: 1592

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: 4993

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: 4707

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: 3010

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: 3212

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: 3949

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: 3010

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: 2069

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: 6364

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: 2778

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: 5052

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: 3702

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: 4131

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: 14044

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: 6457

Re: Est. medical costs early retirement.

In planning your retirement finances you need to have a plan not only for normal medical costs, but for the unforeseen whether it be medical costs, home disaster, etc. An example I can give was within a year of my retiring, my wife, not retired, had a serious illness. Even with her medical insurance...
by Sheepdog
Fri Aug 01, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Est. medical costs early retirement.
Replies: 19
Views: 1653

Re: How Much Did You Lose Today?

John3754 wrote: Even if it is down, I lost nothing because I sold nothing.

Ditto

Besides, if yesterday bothered you, then you are investing too aggressively. What happens to your psyche when it drops 10% or 20% or more? It will.
by Sheepdog
Fri Aug 01, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14044

Re: How old are you?

Crow Hunter wrote:
GerryL wrote:Old enough to know better -- as my mom used to say.

Birthday in Sept will put me in the next higher band.


Me too.

Me three :)
by Sheepdog
Wed Jul 30, 2014 7:50 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6457

Re: Gardening 2014 mid summer update

I am having the same results a little farther south of you in Indiana. Excellent raspberries this year, poor tomatoes and peppers, but good beans, cucumbers and squash, not all in my garden, but in mine and friends. Those with sweet corn are having mixed results. All flowers, though, are beautiful t...
by Sheepdog
Wed Jul 30, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2014 mid summer update
Replies: 8
Views: 613

Re: Help with a new $5m portfolio for an old lady

Agingkid, First, please don't call an 82 year old an old lady. I can't imagine your mother would like that. A bunch of us here are in our 80s and 90s. I am 81 and I would not want to be called an old man, because I am not. To me that is derogatory. You can change your title by substituting "my ...
by Sheepdog
Tue Jul 29, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4464

Re: POLL: Wills vs. Living Trusts

I am surprised that at this point of the survey, 20% of the responders do not have a will. For those of you who say that they haven't got around to making a will, get around to it. You can die today. If you do, then what? Three weeks ago a close friend was eating dinner with his wife. He just fell f...
by Sheepdog
Tue Jul 29, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Wills vs. Living Trusts
Replies: 35
Views: 3101

Re: I-bond purchasing strategy

Sorry, the best purchasing strategy is taking a time machine back to 2000 when Mel could tell you how to best buy I Bonds with 3.6% fixed plus inflation. When you find that time machine, please let us know.
by Sheepdog
Mon Jul 28, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: I-bond purchasing strategy
Replies: 16
Views: 2204

Re: Do Bogleheads Feel Wealthier?

I have more in my savings, but not nearly so much as many here have, but I feel more wealthy, so at my 80+ year age I feel I can spend a little more on enjoyable pursuits, not for things, but to enrich my life and for others. After all, I don't have to worry about my future needs as much as at an ea...
by Sheepdog
Mon Jul 28, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4638

Re: Public Speaking-help

Strangely, I have no trouble with impromptu speaking. This has always been my "trick". Every presentation I do is at least semi-impromptu. I have a PowerPoint presentation to guide the overall flow (and I like to use very few words and some humorous pictures mixed in), but I don't rehears...
by Sheepdog
Sun Jul 27, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 4956

Re: RMD's

There was a conversation here about a week ago titled "How exactly does Vanguard's RMD service work". viewtopic.php?f=1&t=138966. You should find pointers there.
by Sheepdog
Sat Jul 26, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD's [Required Minimum Distributions]
Replies: 11
Views: 1085

Re: Public Speaking-help

Oh my.....this sounds so familiar. Fear, panic attack even. Being a project engineer, factory manager, Rotary Club President, charity group president, requires getting up there. I once even brought along some vodka to chug a lug in the restroom before speaking. I still have fear, but I get though wi...
by Sheepdog
Sat Jul 26, 2014 5:30 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 4956

Re: How to cash in Savings bonds (from 80s)

If you live in one of those states which do not tax savings bond earnings, you are free from paying them, at least.
by Sheepdog
Fri Jul 25, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How to cash in Savings bonds (from 80s)
Replies: 14
Views: 1636

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

My wife always says I am a pessimist, so I voted 14,000, just because I wouldn't want to go against her belief.
by Sheepdog
Wed Jul 23, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3159

Re: So how long will I live? How long do I plan for?

This conversation is now a year old. If you are still here, you are a year older. Plan for many more!!
I never expected to reach 70. I am now approaching 81.
How long do I plan for? I don't. What God gives me, I will take.
I love life as long as it lasts.
by Sheepdog
Tue Jul 22, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: So how long will I live? How long do I plan for?
Replies: 55
Views: 4364

Re: What to do in a market correction

Maybe it is time to resubmit history: From John Merrill, "Outperforming the Market". Mr. Merrill's excellent book has a table showing that a diversifed portfolio of stocks, bonds, and cash, and held for approximately five years, would have enabled an investor to survive and eventually pros...
by Sheepdog
Tue Jul 22, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3135

Re: Portfolio Withdrawal 4% rate with Ceiling and Floor

Alan, I did not like the "Ceiling and Floor" method. It is too confining for me. And, I don't understand why you would write I know Vanguard goes to 100 in their simulations but, although healthy, I'm quite certain I won't make it to 100! And, regardless, I know my money won't last that lo...
by Sheepdog
Mon Jul 21, 2014 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Withdrawal 4% rate with Ceiling and Floor
Replies: 8
Views: 1029
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