Search found 3889 matches

by Sheepdog
Mon Jun 29, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9014

Re: dow futures down 200+ points

Well, it appears that the bond market will be up or at least the 30 year treasury yield is down 3.2% at present.
by Sheepdog
Sun Jun 28, 2015 11:01 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9014

Re: dow futures down 200+ points

g$$ wrote:down 1.1%?

yawn.

double yawn.
Good night.
by Sheepdog
Sun Jun 28, 2015 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's your net worth break down? What's ideal?
Replies: 44
Views: 6423

Re: What's your net worth break down? What's ideal?

What's ideal? Ideal for whom? We are too different. Anyway, this old guy, deep in retirement, has a breakdown of 15% home equity 29% Traditional IRA 28% Roth IRA 16% I Bonds 12% CDs and short term"cash" are my only "taxable" accounts. I left out other personal property as I don't...
by Sheepdog
Sat Jun 27, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 13
Views: 1576

Re: Is your home owner insurance going up 27% this year?

Read this thread which I started a couple of months ago http://www.bogleheads.org/forum/viewtopic.php?f=2&t=162805. I had a similar insurance situation. My homeowner insurance went up 15.5% this year and 24.3% in 2014. However, you will see in that conversation that I could not find lower insura...
by Sheepdog
Thu Jun 25, 2015 5:06 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 15796

Re: Do you buy used cars like a Boglehead actually should?

My wife and I each own a car. We used to buy new cars, but since 2000 we have only purchased used cars 2 years or less in age and less than 12,000 miles. We each have purchased cars every 8 years My wife is due in 2016 and I in 2019. They will again be used.
by Sheepdog
Wed Jun 24, 2015 11:08 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 262
Views: 17086

Re: What ratio are you stocks/bonds and how old are you?

Almost age 82. 23% stocks, 20% I bonds, 57% other bonds, cash and CDs. I went to a stock allocation of 100 minus my age when I reached 67, but I decided to not have a lower stock allocation than where I am at. I do not have a pension, but I did buy $100K worth of immediate annuities 3 years ago whic...
by Sheepdog
Tue Jun 23, 2015 5:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2288

Re: Happy Birthday to Mel [Lindauer]

Mel, Happy Birthday
Semper Fidelis
Jim
by Sheepdog
Mon Jun 22, 2015 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: What percent of your spending is "basic" and what percent is "discretionary"?
Replies: 42
Views: 3818

Re: What percent of your spending is "basic" and what percent is "discretionary"?

Retired couple Total spending in 2014 plus year to date 2015 (1/1/2014 to 6/22/2015) = $99,204 of which 48.7% was basic and 51.3% was discretionary which means that we could spend a lot less if we needed to yet still be living fairly okay, but not as nicely as we are fortunate to be able to do. I in...
by Sheepdog
Sat Jun 20, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 13298

Re: The "4% Rule" revisited

As Taylor writes, don't make it difficult. His response is always correct. And, I have done much like he says since I retired 17 years ago. As many of you know, I planned on an average of 4.5% withdrawal each year and not adjust for inflation....have more, I can withdraw more....have less, I must tr...
by Sheepdog
Sat Jun 13, 2015 7:44 am
Forum: Investing - Theory, News & General
Topic: Parents are late to the game
Replies: 12
Views: 2008

Re: Parents are late to the game

It is not too late for your parents. My history may be an example. We had 2 children. They wouldn't have to pay their way to college. because we could afford to send them. The kids were more important to us than our retirement. We actually saved and invested relatively little until after they gradua...
by Sheepdog
Thu Jun 11, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 59
Views: 6057

Re: What do you do to relax just after returning from work

I'm no longer employed, but when I did work and return from work, I would have a Manhattan and walk around my yard pruning my 75 roses plus my other flower gardens. That was not work. It was relaxing.
by Sheepdog
Thu Jun 11, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Amica Insurance
Replies: 30
Views: 3214

Re: Amica Insurance

Amica's rates were way to high (over 50% higher) for both homeowners and auto insurance when I asked for quotes this year. I have never made an auto claim in 62 years of driving or any homeowner's claim in 53 years of home ownership, so I go for the best rates from highly rated companies. My homeown...
by Sheepdog
Tue Jun 09, 2015 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Stingy Senior Citizens
Replies: 14
Views: 2115

Re: Stingy Senior Citizens

In Indiana, seniors are not exempt from paying for schools, but we do get a small discount on property taxes. Plus, many of us volunteer in local schools.
by Sheepdog
Tue Jun 09, 2015 2:09 am
Forum: Personal Consumer Issues
Topic: Boglehead flea treatment?
Replies: 39
Views: 2388

Re: Boglehead flea treatment?

I have a 16 year old indoor cat and had a wonderful dog until recently. We have not had any flea infestations in the house for a couple of decades. We use Advantage based on our vet recommendation years ago. He did not recommend Frontline, so we never used it.
by Sheepdog
Tue Jun 09, 2015 1:51 am
Forum: Personal Finance (Not Investing)
Topic: How to financially prepare to enjoy your best years?
Replies: 16
Views: 2616

Re: How to financially prepare to enjoy your best years?

I will be 82 in a couple of months. Don't over think what you will or will not be of do in retirement. You may be surprised. I had a heart attack at 64 a few months before I retired at 65. I assumed I would not be here too long. I am still here eighteen years later. I walk and exercise to keep being...
by Sheepdog
Sun Jun 07, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6168

Re: What Percent Of Your Annual Expenses Are Property Taxes?

1.5% with senior discount. My expenses do include everything...taxes, charitable giving, entertainment...etc....everything..
by Sheepdog
Thu Jun 04, 2015 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Older Retirees
Replies: 9
Views: 1398

Re: Help with Older Retirees

I am close to their age (82) and my allocation is presently at 23% stock, however, I live off of these investments and SS. I do not have a pension, so I am careful. This allocation has been serving me well to supply our needs. However, if I had pensions such as they have and really don't need earnin...
by Sheepdog
Thu Jun 04, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Getting money out of an IRA
Replies: 6
Views: 781

Re: Getting money out of an IRA

He can certainly find a job not in his field, but a job which can make the payment necessary to save the home. Earn enough to make the payment. Don't let pride get in his way. Withdraw from IRA, if necessary. Taxes will be due. There is no way that I know of to get around that. Why is selling and mo...
by Sheepdog
Mon Jun 01, 2015 12:15 pm
Forum: Investing - Theory, News & General
Topic: "How to React When the Bear's Hibernation Ends"
Replies: 48
Views: 7207

Re: "How to React When the Bear's Hibernation Ends"

Thank you, Taylor. That is very true. I hope we all can when the time comes the next time. What did you do in 2000? 2008? Basically, I did follow my plans. I had just retired a the end of 1998 and 1999 was a banner investment year. My stock allocation was 55% at retirement and in 2000 I was startin...
by Sheepdog
Mon Jun 01, 2015 10:55 am
Forum: Investing - Theory, News & General
Topic: "How to React When the Bear's Hibernation Ends"
Replies: 48
Views: 7207

Re: "How to React When the Bear's Hibernation Ends"

Thank you, Taylor. His piece ends with In the midst of a six-year bull market, it is easy to talk about staying the course in the next bear market. It is a far greater challenge to stay the course when the market is actually down 25 percent and the financial media are forecasting the end of the worl...
by Sheepdog
Mon Jun 01, 2015 4:41 am
Forum: Personal Consumer Issues
Topic: good vacuum cleaner for up to $200?
Replies: 26
Views: 2184

Re: good vacuum cleaner for up to $200?

Kenmore Progressive 31069 ($200), a Consumer Reports bagged upright best buy. I bought this one last fall. It is great, especially for hard to pick up pet hair.
by Sheepdog
Sun May 31, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6191

Re: Which grocery stores do you shop at and why?

I use Aldi (about 80%) for good quality and lowest price, but not for complete selection, so the remainder (20%)) is from Kroger. They are within a very short distance from each other, so going from one to the other is not too inconvenient. I find that Walmart and Sams are higher priced and lower qu...
by Sheepdog
Sun May 31, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance Rate Hikes
Replies: 2
Views: 453

Re: Homeowner's Insurance Rate Hikes

I have had similar increases on my homeowner's insurance. There was this thread in April on the subject, Your homeowner and auto insurance annual rate increases? http://www.bogleheads.org/forum/viewtopic.php?f=2&t=162805. I and others have had rate increases as well. You should find that convers...
by Sheepdog
Sat May 30, 2015 4:07 am
Forum: Investing - Theory, News & General
Topic: Can this be possible? [Not lose money during 2008 crash]
Replies: 57
Views: 6346

Re: Can this be possible?

Yes, it is possible. If they didn't sell during the downturn, they did not lose anything.
After the downturn, I recovered everything within 18 months so I did not lose anything
by Sheepdog
Tue May 26, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 94
Views: 11225

Re: Friends/Family that don't invest!

I have in laws (seniors, like me) who do invest, but it is how they have invested which was disturbing. 25 years ago we were talking about investing and my plan to retire in a few years. They didn't know how they could. They didn't like my way of low cost investing. They had latched onto one of thei...
by Sheepdog
Sun May 24, 2015 10:30 am
Forum: Investing - Theory, News & General
Topic: Has anyone traded primarily (or exclusively) based on stochastic and MACD data? How did it go?
Replies: 9
Views: 793

Re: Has anyone traded primarily (or exclusively) based on stochastic and MACD data? How did it go?

I did, in the late 80s and 90s, study the MACD theory. Using MACD trends worked wonderfully, it seemed,....I made a lttle money...I was getting in an out just in time, I believed, until it didn't work. Timing doesn't work in the long run...it just doesn't. Then I found the Morningstar Diehards, the ...
by Sheepdog
Thu May 21, 2015 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Calculator to Determine How Much Income Retiree Can Make Before Paying Taxes
Replies: 9
Views: 1512

Re: Calculator to Determine How Much Income Retiree Can Make Before Paying Taxes

Remember that how much income a retiree can make before paying taxes is also determined by their deductions. I usually have more itemized deductions than the standard deduction ($12,400 was the standard deduction for married filing jointly in 2014) so I am able to have more taxable income before tax...
by Sheepdog
Tue May 19, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads (in general) plan to finance their healthcare for later life?
Replies: 34
Views: 3849

Re: How do Bogleheads (in general) plan to finance their healthcare for later life?

My hearing aids cost about $2200 each and it is said that replacements will probably be needed about every 5 years or so. Eyeglasses are not insured either, except in the year in which I had cataract surgery. I heard somewhere that hearing aids are not covered by Medicare - is that true? It doesn't...
by Sheepdog
Tue May 19, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads (in general) plan to finance their healthcare for later life?
Replies: 34
Views: 3849

Re: How do Bogleheads (in general) plan to finance their healthcare for later life?

I'm 82. Is that later life? Or is 92 or 102? Medicare, Medigap and Part D has served us reasonably well. I did switch to an Advantage Plan in 2014 (my wife did not change) and so far that saved me over $1200 last year. We lack dental insurance so that can be expensive in some years. My hearing aids ...
by Sheepdog
Sun May 17, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3296

Re: Keep underground storm cellar (in Florida)?

If it is a fallout shelter, fill it in. If it is a tornado shelter, I would keep it because Florida is the leading tornado state. My family went thru two tornadoes in Florida years ago and my sister was injured in one of those. Have an expert check it out to see if it is capable to withstand a torna...
by Sheepdog
Sun May 17, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 12547

Re: How much does social security factor into your retirement income?

FreedieG But I've seen a couple of mentions in this thread of "means testing" SS. Do they do that now, or are they proposing it? I guess I have been asleep at the switch. No, means testing is not used today, nor has it been proposed. That idea has been discussed in the press, and is all h...
by Sheepdog
Sun May 17, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance for Florida Condo High Rise?
Replies: 11
Views: 1251

Re: Flood Insurance for Florida Condo High Rise?

Probably the reason is that a big enough flood can collapse the building even though the water doesn't reach the 5th floor. The force of moving water can destroy a building. That could be especially true for buildings on Florida sand. Unlikely? Sure. But that's what insurance is all about. I have ea...
by Sheepdog
Sat May 16, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 12547

Re: How much does social security factor into your retirement income?

in 2013 and 2014 our Social Security receipts covered 43% of our expenses, so it has provided and continues to provide a significant portion of needs in my retirement, now in its 17th year. The remaining 57% came from our savings and investments. (Our investment total did increase slightly during th...
by Sheepdog
Thu May 14, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: How to suggest downsizing to Parent
Replies: 23
Views: 2645

Re: How to suggest downsizing to Parent

I can't convince my wife for us to "downsize". Home is where she is and has been for decades. And, home equates to happiness. Good luck with your endeavor.
by Sheepdog
Thu May 14, 2015 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Amount needed for medical expenses in retirement
Replies: 14
Views: 1983

Re: Amount needed for medical expenses in retirement

These are our out-of-pocket medical expenses in my last 5 years in retirement. This may you give you some idea We are a retired couple ages 81 and 74 at the end of 2014. Our out of pocket medical expenses for the last 5 years were OUT OF POCKET MEDICAL EXPENSES (2 retirees).............................
by Sheepdog
Wed May 13, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: Car insurance ratings
Replies: 7
Views: 944

Re: Car insurance ratings

I obtained a quote from them last month because of good things I have heard, but, for me, their rate was way too high. Besides, I have no complaints with my AARP Hartford.
by Sheepdog
Mon May 11, 2015 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 6040

Re: Which Company Do You Have Auto Insurance With?

AARP Hartford for auto. Selective Insurance for homeowners.
by Sheepdog
Thu Apr 30, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 6861

Re: Retirees - What would you have done differently?

At 47 I was saving some, but not a heckuva lot, not to the standards needed today. (That would have been 1980....ancient history.) Defined benefit pensions were common. They would be around forever. Right? I had a pension coming and Social Security. Sure, I knew that we should have some savings to c...
by Sheepdog
Thu Apr 30, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 10453

Re: New car every 5 years instead of 10?

Well, my wife and I each buy a 1 to 2 year old car with around 12000 miles or less and keep them 8 years. We no longer buy new cars and haven't since the 90s. Rarely have we had to have major maintenance costs since then, and I can remember only one car requiring a partial brake replacement in the l...
by Sheepdog
Mon Apr 27, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1265

Re: Deceased Person - Idenity Thieft

It has been my understanding that when Social Security is notified of a death, that person's Social Security number is removed from the active number files so that part of the decedents identity cannot be used. I take it you've not heard about the fraud with the SS Death Master File. Among other ar...
by Sheepdog
Mon Apr 27, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees who lease auto
Replies: 15
Views: 1818

Re: Retirees who lease auto

I will be 82 this year and I will buy a new car in 2016 Would I lease? No, I don't want to be responsible for a leased car and have to keep it somewhat pristine and having to be concerned about getting scratches at an auto wash. However, why should I suggest anyone to not lease. That is your choice.
by Sheepdog
Mon Apr 27, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1265

Re: Deceased Person - Idenity Thieft

It has been my understanding that when Social Security is notified of a death, that person's Social Security number is removed from the active number files so that part of the decedents identity cannot be used.
by Sheepdog
Sun Apr 26, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1771

Cost to deliver a baby today?

What is the cost of prenatal, postnatal and baby delivery of a baby today? How did (do) you plan to cover the cost for yours? You may be interested and surprised in what it cost to have our first child in April,1964 and the length of hospital stay. This was in Pittsburgh, Pa. Physician's charges for...
by Sheepdog
Sat Apr 25, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Any classic car owners here?
Replies: 21
Views: 2045

Re: Any classic car owners here?

I did have until last week. I sold my 61 MGA.
by Sheepdog
Fri Apr 24, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 48
Views: 5092

Re: Do you Bogleheads really follow the 3-4% SWR rule?

No, I do not follow that "rule". I take out the amount I want and/or need, but I maintain a planned average withdrawal over the years. My average is maintained at 4.5%. I have withdrawn as high as 7.52% and as low as 3.11%, but the average stays.
by Sheepdog
Thu Apr 23, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1878

Re: Blacktop Driveway Sealing

My company sold our products to professional driveway sealer companies and they were known to water them down as much as 50%. That's really distressing! How do we know if they are doing this? Is the sealer thinner - how thin would a high quality sealer be? Do we see them adding water to their bucke...
by Sheepdog
Thu Apr 23, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 30
Views: 3679

Re: Your homeowner and auto insurance annual rate increases?

After being a long time claims free State Farm insurance customer, I switched to ANPAC, (American National Property and Casualty Companies), about 10 years ago. Their big draw is a 25% rebate on your annual premium payment IF and only AFTER you've been their customer for 3 claims free years. So for...
by Sheepdog
Thu Apr 23, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1878

Re: Blacktop Driveway Sealing

How often are roads sealed? Never Roads aren't sealed because they are not made with asphalt like your driveway. Roads are made with road asphalt concrete...two different animals. (I worked with a company which manufactured and sold sealers) Driveways should be sealed as I will note below. Buy the ...
by Sheepdog
Thu Apr 23, 2015 11:32 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 4420

Re: Age in Bonds Poll

I followed Age in Bonds beginning at retirement at age 65. Before that bonds and stocks were haphazardly allocated. Being a much older investor than almost all of you, age-in-bonds gets ridiculous when you reach 80. I want less bonds than that so I stopped reducing stock at 24% stock (age 76), and k...

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