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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: 32
Views: 2519

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: 4236

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: 3026

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: 968

Re: Hw many credit cards to own?

I have two credit cards and one debit card in my wallet, probably have a few at home. For most people on this board, house is paid off, car is paid with cash, why do you care about your credit scores? For me, although I think I have a very good credit score (I do not even bother to check), I really...
by Sheepdog
Mon Jul 21, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 68
Views: 3751

Re: Hw many credit cards to own?

Number of credit cards is not what is important. What is important is length of credit history and low debt. Read from myFICO for credit education http://www.myfico.com/CreditEducation/ImproveYourScore.aspx. Here is just part of the education, Amounts Owed Tips This category contributes 30% to your ...
by Sheepdog
Mon Jul 21, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 68
Views: 3751

Re: If you own a car, do you have a car payment?

Our last car loan was in 1969. We haven't had a loan of any kind beyond a mortgage since then.
I have been offered those zero percent loans, but have always received a lower price by negotiating cash in place of that.
by Sheepdog
Mon Jul 21, 2014 7:51 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6344

Re: Stop Loss on stocks/ ETFs

Does "your number" mean that you don't need or want any more growth in your lifetime? Fantastic.
Even at my age, I haven't hit that one.
I could put through a "stop loss", but I can't put through a "stop gain". Selling might just mean that.
by Sheepdog
Sun Jul 20, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stop Loss on stocks/ ETFs
Replies: 12
Views: 881

Re: Favorite Athlete

livesoft wrote:Philip Noel-Baker

I had to look him up. Interesting selection.
by Sheepdog
Sun Jul 20, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 813

Re: Favorite Athlete

Over my lifetime....Stan Musial or Hank Aaron. I can't decide which one.
Prior to them, before my birth, Jim Thorpe
More modern...Peyton Manning, someday he may be my favorite over my lifetime.
by Sheepdog
Sun Jul 20, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 813

Re: How much do you spend on your hobby annually?

Landscaping is a hobby. Presently spend $500 to $2000 annually according to the year. Labor costs nothing. When I had a greenhouse, it was more. Taking care of our Sheepdog and cat plus feeding the birds and pond gold fish averages about $2500 a year. Is that a hobby? I guess it is. Entertainment is...
by Sheepdog
Sun Jul 20, 2014 4:50 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6940

Re: Social Security Taxes?

85% of our SS is taxable. Our SS in 2013 totaled $32,458, but only $1,614 was taxable. That was because of tax planed investing at retirement (conversion to Roths, I Bonds, tax exempt income, eliminating taxable investments, etc). After deductions, no federal income tax was due(state,yes). We spend ...
by Sheepdog
Sat Jul 19, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2262

Re: USPS Shipping Problem Again

In many years of shipping many packages via USPS, domestic and international, I have never lost one. I use them for packages almost exclusively. However, one that was coming to me was lost. It was minor.
by Sheepdog
Sat Jul 19, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 858

Re: How exactly does Vanguard's RMD service work? Rebalancin

During the year I reinvest the dividends and capital gains within the TIRA to a short term bond fund (or MM) within the IRA and from that fund I have the RMD automatically distributed to a taxable account each year. I find that simpler than picking from which funds to take it every year. If there ha...
by Sheepdog
Fri Jul 18, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3563

Re: Old Vanguard Annual Reports?

You could telephone Vanguard this morning to ask them.
by Sheepdog
Tue Jul 15, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Old Vanguard Annual Reports?
Replies: 2
Views: 539

Re: Neighbor's ugly overgrown bushes and fence

If I was bothered by a fence I'd either put up my own or work out a deal to tear down the old one. I'd also offer to prune the bushes if they bothered me. I think your neighbor feels that the bushes don't bother him so why should he do anything? It might actually be your fence. Where I live there i...
by Sheepdog
Mon Jul 14, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3197

Re: POLL: Walmart vs Amazon

Average spending at Walmart. less than $100 a year Average spending at Amazon about $500 a year. Neither one would stay in business with us.. So, I didn't vote. I wish there was a vote "neither one" I don't like Walmart, except for something like tires and auto batteries. I like Amazon for...
by Sheepdog
Mon Jul 14, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8021

Re: [Poll] How often do you re-balance?

I don't re-balance at all as I have balanced funds only. They do it.
by Sheepdog
Mon Jul 14, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How often do you re-balance?
Replies: 25
Views: 2190

Re: [Poll] Are you more risk averse than average?

I have always been risk averse, even in my 40s and 50s. I didn't invest much in stocks then, some, but very little. I actually became less risk averse when I reached 55 or so, after I finally learned and believed that the stock market as a whole had always recovered. Because I did become less risk a...
by Sheepdog
Mon Jul 14, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2597

Re: Birthday gift for a 10 year old girl

A strong hug and a "I love you so very much".
by Sheepdog
Sun Jul 13, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 1435

Re: Retiring soon setting aside 3 years living expenses

In retirement, I need distributions from my investments to go along with my Social Security to meet expenses. Because I don't want to have to sell investments when markets are down, I have kept up to 5 years of normal investment distributions in money market and short term bond funds (presently in ...
by Sheepdog
Sat Jul 12, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5197

Re: Retiring soon setting aside 3 years living expenses

In retirement, I need distributions from my investments to go along with my Social Security to meet expenses. Because I don't want to have to sell investments when markets are down, I have kept up to 5 years of normal investment distributions in money market and short term bond funds (presently in t...
by Sheepdog
Sat Jul 12, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5197

Re: What after-tax income could you live on today?

I am going to estimate that...after tax income which I could live on. I won't let us do without everything. What I come up with would not be the bare minimum and live. I will keep 1 auto, instead of 2. I will cancel my Colts, college basketball and theater season tickets. I will eat out much less an...
by Sheepdog
Fri Jul 11, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4910

Re: Repair or replace old Taurus?

I liked the Taurus of that era, but I would not put more into yours. I looked at the April 2014 Consumer Reports to look at cars which they recommend under $10,000 2004-07 Toyota Prius 2004-06 ScionxB 2005-08 Pontiac Vibe 2005-07 Toyota Matrix 2007-08 Hyundai Sonata 2004 Acura TSX 2004 Toyota Highla...
by Sheepdog
Fri Jul 11, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2742

Re: Experience with Snapfon?

Trac Fone I think is cheaper and very easy to use. Take a look at it. It is an excellent emergency phone. She has had 2 Tracfones over the years and won't use them. She will only call on land phones :annoyed I am trying to get one she can use in emergencies, especially the emergency button to call ...
by Sheepdog
Thu Jul 10, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Snapfon?
Replies: 3
Views: 719

Experience with Snapfon?

I am looking for a simple non-smart phone for my wife, big numbers, easy to use.. Does anyone have experience with Snapfon? https://www.snapfon.com/, a phone for seniors. She has never liked other standard cell phones, so they were not used. She presently doesn't have one. It looks perfect for her. ...
by Sheepdog
Thu Jul 10, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Snapfon?
Replies: 3
Views: 719

Re: Wife was hit by car while riding on bicyle. Next Step?

Absolutely concur that you need an attorney. Late developing consequences of traumatic injury are a real problem. Good personal injury attorneys are specialists. Put the bike whole not disassembled in a big plastic bike bag or bike box do not touch it otherwise . It is evidence. cases have been los...
by Sheepdog
Wed Jul 09, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5538

Re: Wife was hit by car while riding on bicyle. Next Step?

Find a good attorney as soon as you can. In my opinion, it is not overkill where personal injury is involved. (The ambulance chasing attorneys will be calling you very soon, but don't pick the first one. Get a good one.) Obtain a copy of the investigating police report. Hopefully it will have the na...
by Sheepdog
Wed Jul 09, 2014 6:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5538

Windows 7 free support will be ending in 2015

http://finance.yahoo.com/news/six-months-microsoft-pull-plug-153937286.html Microsoft is warning customers that the end is soon coming for free Windows 7 support. Microsoft will end free mainstream support for Windows 7 on January 13, 2015. The end of support generally means no more updated features...
by Sheepdog
Tue Jul 08, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 2185

Re: Take the money and run? (Pension Buyout Offer)

At the top of my old bald head, I estimated that the $20,000 would be worth maybe $200,000 in 30 years, if rolled over into an IRA earning 8%. I may likely be way off. Anyway, I would take that lump sum, roll it over to an IRA, invest it aggressively, expecting to earn an average over 10% for the 30...
by Sheepdog
Tue Jul 08, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take the money and run? (Pension Buyout Offer)
Replies: 15
Views: 1998

Re: POLL: How Old is Your Newest Motor Vehicle?

4 and 7 years. We each normally purchase 1-2 year old pre-owned cars about every 8 to 9 years.
by Sheepdog
Mon Jul 07, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2398

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Electron, I have taken out an average of 4.5% a year for over 15 years (not adjusted for inflation), based on the balance in my accounts the previous 12/31 and I have about 30% more than 1998 invested basically 100 minus my age in stocks which is less stock than in balanced index, but presently at ...
by Sheepdog
Mon Jul 07, 2014 12:58 am
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3318

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Electron, I have taken out an average of 4.5% a year for over 15 years (not adjusted for inflation), based on the balance in my accounts the previous 12/31 and I have about 30% more than 1998 invested basically 100 minus my age in stocks which is less stock than in balanced index, but presently at 2...
by Sheepdog
Sun Jul 06, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3318

Re: Homeowner responsibility for water service line

Yes, water lines do break and they can be expensive. In my neighborhood (houses built 1969 to about 1976), where I have lived since 1972, I would guess that 1/2 have had to have theirs replaced, the latest in 2013. Did I buy similar insurance as you have mentioned? No. I self insure. One reason is t...
by Sheepdog
Sun Jul 06, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2020

Re: Vanguard Managed Payout Fund (VPGDX)

columbia wrote:Naive question: is the equity percentage of this fund too high for retirees?

It is way too high for me. Some may want it as part of their investments, but not all, if this percentage is too high.
by Sheepdog
Fri Jul 04, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout Fund (VPGDX)
Replies: 40
Views: 2700

Re: Retirees - What % of your income is for basic essentials

Basic essentials? You gave a description mortgage/rent/property taxes/bills/food ...there's more to that, like insurance, medical, utilities. Although nice restaurants, good wine in other spirits, Colt''s season tickets, etc. feel like essentials to me for my soul,..but I regress. I won't include th...
by Sheepdog
Thu Jul 03, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirees - What % of your income is for basic essentials
Replies: 25
Views: 2197

Re: In retirement you expect you standard of living to?

cheese_breath wrote:Retired for 17 years, and standard of living has been about the same.

ditto for 16 years here
by Sheepdog
Thu Jul 03, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4511

Re: The Risk of Short-term Bond Funds

Some of us, especially retirees, are using short term bond funds as "cash" in our safe money allocation instead of MM. I do. They are earning a heckuva lot more than MM too. Intermediate bonds just would not work for me for this purpose. This is what I am doing as I have to fund expenses ...
by Sheepdog
Wed Jul 02, 2014 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10141

Re: The Risk of Short-term Bond Funds

Some of us, especially retirees, are using short term bond funds as "cash" in our safe money allocation instead of MM. I do. They are earning a heckuva lot more than MM too. Intermediate bonds just would not work for me for this purpose.
by Sheepdog
Wed Jul 02, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10141

Re: homeowners ins deductible

I will only make a home owner's claim if it is really necessary. Making a claim for low amounts can hurt you in the long run, therefore, I have a deductible of $4000. Even with that, I probably would not actually make a claim or even ask about it if it was a little higher than that. I won't even ask...
by Sheepdog
Wed Jul 02, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: homeowners ins deductible
Replies: 7
Views: 781

Re: BOGLEHEAD CONTEST: Mid-Year Report

297 points back.....For once, I am happy to be losing. Go S&P.
by Sheepdog
Tue Jul 01, 2014 7:59 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST: Mid-Year Report
Replies: 22
Views: 1840

Re: do you lie about your finances to friends

I don't brag about it, but if I am part of a conversation, and there have been a few, about the "stock market" and someone says something like "it is rigged for the banks, or stock brokers, etc.", I always speak up that I have done quite well by doing it myself with low cost inve...
by Sheepdog
Mon Jun 30, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8888

Re: New Attending Physician Tomorrow Advice?

To you, dreamjob9, and to all of the physicians here, thank you for serving the rest of us. Please never stop learning whether it be medicine, your personal life, or finances.
God bless you.
Jim
by Sheepdog
Mon Jun 30, 2014 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: New Attending Physician Tomorrow Advice?
Replies: 17
Views: 1950

Re: beneficiary form trumps will

My wife and I have marked our calendar to review our IRA account beneficiaries as our wishes can change because some of the accounts go to charities rather than individuals. We also review, and perhaps change, our trust and wills at least every 5 years not only for beneficiaries, but also powers of ...
by Sheepdog
Sun Jun 29, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: beneficiary form trumps will
Replies: 54
Views: 4077

Re: Cash Reserve in Retirement

I can only speak for myself. I am over 80, and I am not spending down anything as the assets continue to grow. I earn more than I take out, after all, and really expected to do so before retiring, so I didn't expect to "spend down". I do have a cash reserve, but that is part of the plan......
by Sheepdog
Sat Jun 28, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash Reserve in Retirement
Replies: 13
Views: 2028

Re: Who do you talk with about your financial goals?

Spouse, yes. No one else, not even parents, nor children, except that I had a discussion with the "kids" this spring for the first time about our finances. It was time, as I am up there in age. How did that go? Fine. They were surprised and thankful that we are not likely to have to move i...
by Sheepdog
Sat Jun 28, 2014 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9064

Re: How do you afford to travel?

If you don't enjoy traveling, why think about it? If you don't want to travel, stay home. If you don't want to travel in an airplane , but want to travel, take a cruise, train or bus ride. While earning, or after retiring, do what you like to do. Life is for enjoyment. If you don't like to garden, d...
by Sheepdog
Thu Jun 26, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6182

Re: leaving big company to join small one

I left a large multi-national company after 13 years with a prestigious resume' to join a small manufacturing company in a nice college town for much the same reasons as you. I probably had the opportunity to go up the corporate ladder, but I would not have been happy there. I was with the new compa...
by Sheepdog
Wed Jun 25, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: leaving big company to join small one
Replies: 22
Views: 1885

Re: Retirement Goal Calculation

I didn't attempt that estimate at your age. The 4% theory had not been discovered at that time. However, my later-in-life planning for the amount needed was simply knowing how much I was spending annually (I averaged 5 years of spending). I took that annual amount and subtracted my expected annual S...
by Sheepdog
Wed Jun 25, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Goal Calculation
Replies: 31
Views: 4111

Re: [Poll] If all active funds have ER= 0.05%, will you buy

Yes. I have had Wellesley for a couple of decades.
by Sheepdog
Mon Jun 23, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2660
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