Search found 3633 matches

Return to advanced search

Re: I picked up a penny today...

You can't have one million dollars until you first have one penny. Then there are rare penny coins worth a million dollars and more. For example a 1943 coin made from bronze instead of zinc coated steel sold for that in 2012. And then there is a 1974 Denver mint aluminum penny inherited by a man who...
by Sheepdog
Tue Sep 30, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: I picked up a penny today...
Replies: 20
Views: 1767

Re: How can I stop feeling depressed about my finances?

I was 28 was when I had my first $100 in savings and started preparing for my financial life. I married then. I starting paying for my first home at 29, with a no-down payment GI Bill home loan. We had about $2000 to 3000 in the bank to start buying furniture for the house at that time. (I didn't be...
by Sheepdog
Tue Sep 30, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 6006

Re: POLL: When I gift/will shares to my relatives, I expect

The only expectations that I have is that they enjoy the fruits of the gift, now or in their future,in whatever use or need they may have or desire.
by Sheepdog
Mon Sep 29, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 16
Views: 1135

Re: The Villages Retirement Community Near Orlando

The Villages was featured on some TV program I saw recently. Program said there are 20 women for every man and they eat Viagra like candy! I am not making this up. Nope, but they were making it up. [OT comment removed by admin LadyGeek] In response to your comment (which was rude), I googled the su...
by Sheepdog
Sun Sep 28, 2014 12:28 am
 
Forum: Personal Consumer Issues
Topic: The Villages Retirement Community Near Orlando
Replies: 72
Views: 7550

Re: What is your best estimate of the SWR (Safe Withdrawal R

I have approx. 30% more in my savings than when I retired. Inflation adjusted? The CPI has increased 46% since 1998. Good, logical question. No, the increase is not inflation adjusted, it is actual. However, my personal expense inflation has been negligible in 16 years (avg.+1.6% per year) based on...
by Sheepdog
Sat Sep 27, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 3754

Re: Will and Estate Planning - do i or not need an attorney

Do you need an attorney? If you do it yourself, you will find out if you should have had one after you or a loved one dies Get an attorney, make your wishes known, listen to the questions asked, complete and file estate planning. Heck, I can spend as much or more for a dental procedure. I wouldn't w...
by Sheepdog
Sat Sep 27, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Will and Estate Planning - do i or not need an attorney
Replies: 11
Views: 929

Re: What is your best estimate of the SWR (Safe Withdrawal R

If you don't adjust for inflation, but take a set percentage of what you have each Dec. 31 every year, almost any practical SWR can be okay. You have to be able to adjust your annual spending, of course, for that to work....less in down years so that you can spend more in up years. The Trinity Study...
by Sheepdog
Fri Sep 26, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 3754

Re: The Villages Retirement Community Near Orlando

Actually, there are many activities to suit most tastes. There are large travel clubs who travel around the world. There are traveling shows which visit and they will increase dramatically after the Performing Arts Theater is finished next year. That will be an outstanding addition. There are free s...
by Sheepdog
Fri Sep 26, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: The Villages Retirement Community Near Orlando
Replies: 72
Views: 7550

Re: POLL: Would you rather work half as long or half as ofte

Add, "neither one" . Working full time is a reward. Working half as long is a waste of human energy and skills taught and learned.
by Sheepdog
Thu Sep 25, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 3875

Re: Medicare Advantage Plan.....Stay or Go?

Thanks all. You have provided different angles to my decision. I expected that from this astute group. I have been fortunate in not having any serious health conditions. Actually, I am healthier than at 65, maybe not as strong, but healthier. Five to 10 miles fast walking is no problem. (I stopped r...
by Sheepdog
Wed Sep 24, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 14
Views: 1067

Medicare Advantage Plan.....Stay or Go?

This year I changed my Medicare insurance coverage from Medicare plus a Medigap policy and a Part D prescription plan to a Medicare Advantage Plan (Humana Choice Regional PPO) The much lower rates and more benefits in this year's change was outstanding...saving well over $1500 to $2000 this year, po...
by Sheepdog
Tue Sep 23, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 14
Views: 1067

Re: Immediate payable annuity is a bad investment?

technovelist wrote:No, an immediate annuity isn't a bad investment. That's because it isn't an investment at all.

It is insurance against running out of money before you die.

This reasoning was my reasoning when I purchased mine. They are protection..that's all.
by Sheepdog
Thu Sep 18, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Immediate payable annuity is a bad investment?
Replies: 45
Views: 2638

Re: Tour travelling by bus

In the last 3 years my wife and I took bus tours from Indiana to New England in the fall and to Branson, MO in the summer. There were stops along the way for dining and shopping at nicer tourist traps. We enjoyed them very much so we will be taking another this year near Christmas again to Branson t...
by Sheepdog
Tue Sep 16, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1942

Re: Best Time Of Year To Visit Mediterranean

I cruised 12 days from Turkey to Greece in the first 2 weeks of October. It was wonderful. Cool, but not cold. Warm, but not hot, although it was quite cool on the stateroom balcony at night. Not crowded at all in Istanbul, Ephesus, Greek Isles or Athens. Just some tourist stops were closed, but tha...
by Sheepdog
Mon Sep 15, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1393

Re: treating all investment accounts as one pool of money

Before retirement, I did have separate pools of funds, but after retirement all accounts became one pool of money. However, I have accounts for short term needs (next 1 to 5 years) where I will obtain funds for every day expenses, but also our next auto, home maintenance, medical needs, etc. I have ...
by Sheepdog
Sun Sep 14, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2329

Re: Hearing aids - for those that use them

I visited an audiologist, not a "hearing aid store" to get a thorough examination by recommendation from a physician. I really believe that is important. Having a university trained hearing expert is better than a company trained technician. One ear had 50% loss and the other had 95% loss ...
by Sheepdog
Sun Sep 14, 2014 3:45 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1776

Re: IRA to Roth conversion after retirement ?

My experience with IRA-Roth conversions after retirement is as follows. I converted IRAs to Roths equal to about 22% of my total assets, divided equally over the first 4 years of retirement (1999-2002). My tax rate after retiring was going to be much less. The conversions paid off for me. Since I ta...
by Sheepdog
Sat Sep 13, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth conversion after retirement ?
Replies: 14
Views: 1379

Re: V6 or V8 engine for new Chrysler 300

A great car. My wife will be buying a V6 300 within 6 months, but it will be a used one with less than 15,000 miles.
by Sheepdog
Fri Sep 12, 2014 6:28 am
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1686

Quicken Users: Important Update Required

From Vanguard this morning, 9/10/14 https://personal.vanguard.com/us/insights/article/quicken-users-092014 Vanguard is currently upgrading the system we use to transmit data to financial software tools such as Quicken. If you're a Quicken user, you'll need to take action so that your software can su...
by Sheepdog
Wed Sep 10, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5676

Re: Determining who makes it past age 90?

Some findings from the study: * People who exercised definitely lived longer than people who didn't exercise. As little as 15 minutes a day on average made a difference. 45 minutes was the best. Even three hours didn't beat 45 minutes. * Moderate alcohol was associated with living longer than indiv...
by Sheepdog
Tue Sep 02, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1915

Re: How similar/dissimilar should my wife's Roth IRA be to m

I have invested for both of us. Because my wife is 7 years younger than I, and before she retired, I invested her IRAs more aggressively than mine. After she reached 65 or so and retired, I adjusted hers to be near the same as mine. (presently 32% stocks within the IRAs, but 24% over all investments...
by Sheepdog
Mon Sep 01, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How similar/dissimilar should my wife's Roth IRA be to mine?
Replies: 13
Views: 961

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: 17
Views: 2019

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: 17
Views: 2019

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: 68
Views: 7241

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: 101
Views: 7846

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: 2786

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: 5442

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: 2786

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: 2119

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: 2389

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: 766

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: 7564

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: 5122

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: 2364

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: 5754

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: 7025

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: 7025

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: 1192

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: 1550

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: 1550

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: 1045

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: 1045

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: 4704

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: 625

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: 4704

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: 2160

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: 3352

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: 3929

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: 3286

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: 2229
Next

Return to advanced search