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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: 898

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: 44
Views: 2396

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: 8
Views: 587

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: 50
Views: 2530

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: 3529

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: 6619

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: 1377

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: 76
Views: 3440

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: 334

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: 334

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: 6619

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: 80
Views: 6463

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: 6619

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: 6619

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: 1409

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: 1854

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: 2156

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: 3369

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: 66
Views: 4988

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: 69
Views: 3697

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: 1566

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: 66
Views: 3535

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: 18
Views: 2878

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: 565

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: 1706

Re: VWINX [Vanguard Wellesley]

[quote][/quote]
My major investments are in Wellesley Admiral and Short term investment grade. :wink:
I am conservative!
by Sheepdog
Thu Jan 22, 2015 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX [Vanguard Wellesley]
Replies: 10
Views: 1209

Re: Real 3% (CPI plus 3% guaranteed)

Like in 2000 when I Bonds were sold at 3 % and higher plus CPI and Mel was saying, "Back up the truck".
Nice deal
by Sheepdog
Wed Jan 21, 2015 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Real 3% (CPI plus 3% guaranteed)
Replies: 21
Views: 1816

Re: What age did you pay off your "forever" home

We bought our last house (had 2 previously) with a 20 year mortgage when I was 38, so it was paid off when I was 59.
by Sheepdog
Wed Jan 21, 2015 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4062

Re: Why are fruits not cheaper in California?

Oranges and grapefruit, even those from Florida, in Indiana are always cheaper than in Florida....always. My SIL visits us and teases that she is going to take some back.
by Sheepdog
Tue Jan 20, 2015 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Why are fruits not cheaper in California?
Replies: 28
Views: 1675

Re: “How Does Aging Affect Financial Decision Making?”

At my age I have no comment worth uttering except 8-)
by Sheepdog
Tue Jan 20, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2772

Re: 7 nights- Scotland or Ireland?

I did them both in about 7 nights by taking an organized bus/plane tour from Glasgow to Edinburgh around Scotland and then taking a plane to Dublin where the week's tour continued. We didn't get to Northern Ireland though. I loved Scotland and Ireland....both of them. I couldn't give a preference, a...
by Sheepdog
Tue Jan 20, 2015 8:43 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2006

Re: The "Less Than" a Million $ Club

I have been around here a long time and many have read my posts about "living well under $1M". I retired with less than $1M, have lived off of that plus SS and seen my investment grow over my 16 years in retirement. In the recent poll https://www.bogleheads.org/forum/viewtopic.php?f=2&...
by Sheepdog
Tue Jan 20, 2015 8:27 am
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 11136

Re: MediCare and ? What are your out of pocket costs please.

We are a retired couple ages 81 and 74 at the end of 2014. Our historical out of pocket medical expenses was as follows: OUT OF POCKET MEDICAL EXPENSES (Couple).............................................................2014....2013......2012....2011....2010 Medical insurance (Medicare, Medigap, Me...
by Sheepdog
Mon Jan 19, 2015 6:10 am
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 24
Views: 2120

Re: A quick poll--pension annuity vs. lump sum

When I retired in 1998 I chose the lump sum versus the annuity because (1) I didn't trust the company any longer, (2)I had had a heart attack 3 months before retiring so I didn't expect to live long, (3) the annuity was not inflation adjusted, and (4) I thought this would be better for my wife in th...
by Sheepdog
Sun Jan 18, 2015 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3701

Re: How Long Do You Keep Tax Records?

My mother (in her 80s) has every single one of her tax returns, dating back to when she was a teenager working part-time jobs in the late 1940s. They make for fascinating family history. My dad was a private in the Army during the Korean War, and his salary was very low. (The saying to privates bac...
by Sheepdog
Sun Jan 18, 2015 4:01 am
 
Forum: Personal Finance (Not Investing)
Topic: How Long Do You Keep Tax Records?
Replies: 28
Views: 2419

Re: Medigap

Every Medigap policy must follow federal and state guidelines, and it must be clearly identified as "Medicare Supplement Insurance." Insurance companies can sell you only a "standardized" policy identified in most states by letters. Visit Medicare.gov. There you will find informa...
by Sheepdog
Sat Jan 17, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap
Replies: 9
Views: 795

Re: A quick poll--pension annuity vs. lump sum

I updated and revised my comment, so this is deleted. You can find it below.
by Sheepdog
Fri Jan 16, 2015 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3701

Re: Alternatives to TurboTax

Anyone tried this? http://freefile.irs.gov/need-to-know-about-freefile/ For returns under $60,000 I think. Kevin M posted about it in another thread. I have used free tax preparing preparation through this site for myself and to volunteer filing of returns for others. Each tax preparing software ha...
by Sheepdog
Fri Jan 16, 2015 11:25 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 2733

Re: Poll - How much is enough / what's your number?

Igetit, you and I are virtually in the same boat. Sheepdog is correct in that it does matter where you live. I have experience with the Chicago area and downstate Illinois. Not every thing is more expensive in Chicago but a whole lot of things are. I would imagine my cost of living does not differ ...
by Sheepdog
Tue Jan 13, 2015 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7606

Re: Poll - How much is enough / what's your number?

I have less than $1M invested and doing very well......nice cruises and other vacations annually, new cars regularly, nice home, lots of entertainment and restaurants.. It is according to where you live and your particular expenses. I live in a low cost area. (example, $200 K homes here may be sold...
by Sheepdog
Mon Jan 12, 2015 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7606

Re: Poll - How much is enough / what's your number?

I have less than $1M invested and doing very well......nice cruises and other vacations annually, new cars regularly, nice home, lots of entertainment and restaurants.. It is according to where you live and your particular expenses. I live in a low cost area. (example, $200 K homes here may be sold ...
by Sheepdog
Mon Jan 12, 2015 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7606

Re: Beware when signing up for Part D Medicare plan

I agree with what you have found. I discovered that the first year Part D started. When I review plans every year, I check the insurance plan's website next to verify.....and maybe change my choice. A caveat: the insurance plan can change the drug costs at any time. They are not required to maintain...
by Sheepdog
Mon Jan 12, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Beware when signing up for Part D Medicare plan
Replies: 3
Views: 536

Re: Keeping CC Receipts

I keep the receipts and review the credit card accounts online daily. I don't wait for the end of the month to do so. If correct, the receipts are destroyed. Yes, I have found discrepancies, from local restaurants only. I had no problem having them corrected.
by Sheepdog
Mon Jan 12, 2015 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Keeping CC Receipts
Replies: 45
Views: 3587

Re: POLL: Homeowners Ins cost $/month per $100k home value?

$48 per month per $100,000 house present house value....not rebuild cost.. That includes earthquake insurance.
by Sheepdog
Sun Jan 11, 2015 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3141

Re: Frontier Communications - Horrible Experiences

Frontier took over Verizon in 2008 in my area. I use them for land telephone and DSL. There were occasional problems in the early years such as DSL downtime. Our DSL and telephone started being served from 100 miles away. If there was a line problem from storms, for example, it was a problem for the...
by Sheepdog
Sun Jan 11, 2015 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Frontier Communications - Horrible Experiences
Replies: 9
Views: 1388

Re: 2000-2014 [15 year returns]

Thanks for the data. Here was my return in that period In that 15 year period my age was 66 to 80. I invested conservatively because of being retired. My gradual reduced stock allocation (approximately 100 minus my age) earned an average of 4.87%. I took out an average of 4.5% a year yet my nest egg...
by Sheepdog
Sat Jan 10, 2015 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4123

Re: Poll: Favorite Coping Strategies for Volatility

Is this the worse thing which could happen (think Plague, Holocaust, Atomic Wars)? Of course not. Financial volatility always passes, so why worry? They always pass and opportunity always presents itself.
by Sheepdog
Tue Jan 06, 2015 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Favorite Coping Strategies for Volatility
Replies: 41
Views: 2654

Re: U.S. stocks in freefall

Where was everyone in 2008 - 2009? I don't get people getting worked up on 300 point declines when the Dow is at 17,500. Nothing like the days of multiple 700 point declines with the Dow heading to half the value it has today. Absolutely. How about in October 1987, when the Dow dropped 508 points f...
by Sheepdog
Mon Jan 05, 2015 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221656

Re: Paper Statements

Even though I have written it down many times, my wife still worries she doesn't know where "it" all is. So, I get paper statements. Absolutely! My wife must have paper copies also. In addition, if we were both to pass at the same time, paper statements filed in a place known to our trust...
by Sheepdog
Mon Jan 05, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3398

Re: Required Minimum Distribution (RMD)

Our RMDs are part of our income stream, so the RMDs are transferred to the taxable fund (short term investment grade bond fund in our case) from which we take monthly distributions.
by Sheepdog
Sat Jan 03, 2015 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distribution (RMD)
Replies: 6
Views: 872
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