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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: 6405

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: 9231

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: 1151

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: 1604

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: 1151

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: 1581

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: 1771

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: 4492

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: 1596

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: 3247

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: 1596

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: 3750

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...
by Sheepdog
Thu Apr 23, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 30
Views: 3247

Re: Your homeowner and auto insurance annual rate increases?

UPDATE: It is now approaching 4 weeks since I started this conversation. Maybe you would be interested in this saga. As I mentioned in the beginning, my Selective homeowner's insurance rates were increasing dramatically annually from15 to 24% a year in recent years. I obtained quotes directly from ...
by Sheepdog
Tue Apr 21, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 10562

Re: How much do you pay in Property Taxes?

2000 sq. ft. brick home on 1/2 acre wooded lot in very nice Indiana neighborhood with very good schools.. $1048 annual property tax
by Sheepdog
Tue Apr 21, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: Retirees: What is your SWR in retirement?
Replies: 45
Views: 4007

Re: Retirees: What is your SWR in retirement?

Mine has been and continues to be 4.5% AVERAGE withdrawal and not adjust for inflation. Actual withdrawals have been from 3.11% to 7.52%, but the average for 16 years is 4.58%. Have more I can spend more. Have less I must try to spend less. Expenses to pay for wants and needs in retirement are not c...
by Sheepdog
Sun Apr 19, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Anyone here experience a change to a "right to work" state
Replies: 14
Views: 1451

Re: Anyone here experience a change to a "right to work" sta

How do I reply without being political, but let me try to relieve your worry a little bit. First, I am not anti union. I was factory manager of a profit making company which had increasing earnings with a union. The union negotiated and the company agreed to higher wages and benefits when it was eco...
by Sheepdog
Sat Apr 18, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1801

Re: What Is The Worst Car You Have Ever Owned?

1958 Simca Aronde, a French made auto. I purchased it used in about 1966. What makes it the worst? Besides being noisy, poor steering and pickup, the engine mounts collapsed as I turned a corner and the engine fell to the ground! Sold for scrap.
by Sheepdog
Thu Apr 16, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you wish you retired earlier?
Replies: 28
Views: 3619

Re: Do you wish you retired earlier?

No. Why wish for something which cannot be changed. No regrets ever.
by Sheepdog
Tue Apr 14, 2015 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11331

Re: Does your family know about your net worth (ball park)?

1. Parents and sibling long gone, but they never knew my earnings or net worth. 2. I didn't know my parent's or sibling's actual net worth either, but I knew it was not much......less than $100k My wife's sibling does not know either, nor we theirs. I suspect they would be very surprised of ours. As...
by Sheepdog
Mon Apr 13, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 4412

Re: Engineering as a career for a graduating HS student ?

My son, a 1987 Purdue graduate mechanical engineer, advanced within a large conglomerate as an engineer in their aircraft divison, to their medical division, then as manager for a special corporate "Black Belt" trainer division, then became global director in their medical division and the...
by Sheepdog
Sat Apr 11, 2015 2:22 pm
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5460

Re: How does this site make money?

Actually, PayPal charges the nonprofit 2.2% to 2.9% + transaction fee to process donations. From their site: How can my charity or nonprofit use PayPal to collect donations? . . . There are no monthly or set-up fees with donation button transactions. Your organization only pays processing fees when...
by Sheepdog
Sat Apr 11, 2015 9:27 am
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5460

Re: How does this site make money?

It says they take donations by pay pal or check. How much of a cut does Pay Pal take? It is at least $5 or $10 worth of trouble to write a check, put it in an envelope, address it and mail it. Does Pay Pal take a percent or a fixed amount? There is no fee to use PayPal to transfer money from your c...
by Sheepdog
Sat Apr 11, 2015 9:15 am
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5460

Re: How does this site make money?

Thanks for the reminder. I am sending my annual donation now. How about you?
by Sheepdog
Sat Apr 11, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 2190

Re: Would you use your neighbor's son for yard service?

My two sons mowed lawns, cleaned leaves, etc. over about 12 years total for 2 kids. They put out flyers, were interviewed and they did enough to pay almost all of their out of pocket expenses, including gas money and auto insurance when they started driving, They did that, plus other odd jobs, in mi...
by Sheepdog
Fri Apr 10, 2015 9:27 am
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3776

Re: Has Anyone had a Credit Card Cancelled for not Using It

I also have had several cards (Visa, Mastercard, store and gas) cancelled because of non use. I, in effect, cancelled them by non use.
by Sheepdog
Fri Apr 10, 2015 5:33 am
Forum: Investing - Theory, News & General
Topic: Target Retirement 2015 has Bonds = Age - 15%?
Replies: 3
Views: 535

Re: Target Retirement 2015 has Bonds = Age - 15%?

Target 2015 will gradually change to Target Income's 30% stock allocation over the next 7 years. It is generally recommended that the target date retirement fund stock allocation may not meet an individual's risk tolerance. (Vanguard's Target funds do have too high of a stock allocation for some peo...
by Sheepdog
Fri Apr 10, 2015 5:02 am
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5795

Re: How does a retired person mitigate a Bond Bubble?

Fortunately your mother has enough income to pay her expenses without touching her IRA. How will she mitigate a bond bubble? First, she has stocks within her Target Income Fund. Second, the bond's earned interest will grow as interest rates increase. If she keeps the bond containing investments for ...
by Sheepdog
Wed Apr 08, 2015 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 30
Views: 3247

Re: Your homeowner and auto insurance annual rate increases?

Following up my comment above, I am now in the process of obtaining new quotes from several companies on both auto and homeowner's insurance. So far, GEICO is higher on both. (No. They don't save me 15% or more!!) State Farm is higher on both as well AARP Hartford, although their rates are still sta...
by Sheepdog
Tue Apr 07, 2015 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3376

Re: Credit Report Very Low For No Reason? Fixing it?

Sublime8700 wrote:BTW is there any good way to get your FICO score without spending $50 on Experian?
If you have a credit card, check them. Many will give your FICO score for free. 4 of 5 of my cards do.
by Sheepdog
Mon Apr 06, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39275

Re: What are you up YTD?

2015---+1.24%
From conservative investments containing 65.9% Wellesley, 10.2% Short term investment grade, 20.2% I Bonds and 3.7% Cds.
This is calculated ongoing by my Money 2002.
by Sheepdog
Sat Apr 04, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3202

Re: LOL how long do you keep old tax returns

There was a Bogleheads poll last January. See this: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=155756&newpost=2337465 I wrote then " I am 81 and I have my 1040s since 1962. (1962 return...total wages $7,445 and total federal taxes $1,092.18) I don't have many supporting docume...
by Sheepdog
Sat Apr 04, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 30
Views: 3247

Your homeowner and auto insurance annual rate increases?

What is a respectable increase on insurance rates for auto and homeowner's insurance? My recent history: Homeowner insurance. I changed my insurance company in 2012 to Selective Insurance . They were the best quote that year. However, their rates increased 19% in 2013, 24.3% in 2014 and 15.5% in 201...
by Sheepdog
Tue Mar 31, 2015 10:24 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8803

Re: Did you learn anything from 2008?

There will be a time when the market crashes and doesn't recover. I would caution against the "I knew all along it would come right back" line of thinking. No one knew at the time anything of the sort. Well, I did, or maybe you would rather I say I believed it would recover because the ov...
by Sheepdog
Sat Mar 28, 2015 4:19 am
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3109

Re: Recurring utility bills - How do you pay?

I auto pay from checking for some since all of our utility companies do not accept credit cards. Those recurring bills such as cable and telephone which will accept CCs are on CC auto pay.
by Sheepdog
Tue Mar 24, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 891

Re: Free Credit Report

http://www.annualcreditreport.com You can get one report free from each of the 3 agencies once every 12 months. (so some people get all 3 at once, and others get one report from a different agency every 4 months) And, if you have a spouse, you each can get 3 reports a year, and space them so that y...
by Sheepdog
Sat Mar 21, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5965

Re: One Level or Two Level House

Our son purchased a new 2 level home and moved in on Thursday. He is located about 200 miles away. I helped him move in that day and am disappointed that he purchased that instead of a single story. He didn't think about it. We can't visit him now as all 4 bedrooms are on the second level. There is ...
by Sheepdog
Sat Mar 21, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Reduced Spending thru Retirement? Models or Data
Replies: 6
Views: 752

Re: Reduced Spending thru Retirement? Models or Data

There are studies, but individuals seldom match a study. Mine doesn't. All retires are not the same. Spending, of course, relates to how much has been saved and how much other income you may have. What is your lifestyle? We bought cars on a scheduled basis before retiring. We traveled domestically a...
by Sheepdog
Fri Mar 20, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 3040

Re: New washing machine won't fit down basement steps.

From Walmart : Danby 1.7 Cu Ft portable washer (21.44 " wide, 21.63'' long, 33.88 high) http://www.walmart.com/ip/19424150?wmlspartner=wlpa&selectedSellerId=0&adid=22222222227015530951&wl0=&wl1=g&wl2=c&wl3=40344098432&wl4=&wl5=pla&wl6=78307695752&veh=sem ...
by Sheepdog
Fri Mar 20, 2015 11:21 am
Forum: Investing - Theory, News & General
Topic: An inspiring message for Bogleheads
Replies: 56
Views: 4396

Re: An inspiring message for Bogleheads

Peter's story is wonderful and a tribute to all of the Bogleheads and it's predecessor, Morningstar's Vanguard Diehard forum. The latter had it's 17th anniversary yesterday (started 3/19/98). Imagine how many people are succeeding because of that start and the succeeding Boglehead founding. I found ...
by Sheepdog
Tue Mar 17, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 4940

Re: how often do you check performance?

Curiosity says daily for me, but I know not to panic. I "stay the course". Besides, my wife always asks "How did we do today." I lie sometimes.
by Sheepdog
Tue Mar 17, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: What to look for in an income fund?
Replies: 11
Views: 1028

Re: What to look for in an income fund?

I know you will get advice based on your personal circumstances. Give more information, please. However, in the meantime, you asked What makes them income funds? High yield? Couldn't any fund with a high yield be used for income? What other factors should be considered when choosing a fund for gener...
by Sheepdog
Tue Mar 17, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 816

Re: Medicare Card and Medicare Advantage

I was told emphatically (written and verbal) to never show my Medicare card....only show the MA card. That is because I am insured by the MA now, not Medicare. She could ask her MA customer service about the request and take their advice.
by Sheepdog
Tue Mar 17, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2850

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

Sheepdog: Thank you for your comments. What worries me with a rate rise is a drop in NAV of the bond holdings which may not go back up for many years. Being forced to sell the fund shares at a lower price (due to the NAV drop) to meet the RMD requirements annually is not pleasant. Lower equity pric...
by Sheepdog
Tue Mar 17, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2850

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

It is a good choice for many, if not most, octogenarians. However, for me, also in my 80s and living off of my savings (+ SS), I would not want it as a sole holding. At my age, 30% stock would be too much in a period like 2008, and I don't know when that will again be. Now, if I wasn't living off of...
by Sheepdog
Mon Mar 16, 2015 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3376

Re: Credit Report Very Low For No Reason? Fixing it?

annualcreditreport.com is the one you want to go to for your credit report. Does this site actually work? I used it a few times and ONCE managed to get access online.... every other time it's fill out these 300 forms and mail them in. You can tell they are not wanting to provide this info and just ...
by Sheepdog
Mon Mar 16, 2015 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3376

Re: Credit Report Very Low For No Reason? Fixing it?

I am another one adding on. Check your free credit reports. You will not be hassled to buy anything. Do it! And do it every year You may be surprised what you find. Several years ago when checking my wife's report (Yes, check these reports annually for all persons in your family. Each can be differe...
by Sheepdog
Mon Mar 16, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: Watch out for this email scam (robbed in another country)
Replies: 5
Views: 1179

Watch out for this email scam (robbed in another country)

I have received scam emails in the last week as have others. They are supposedly sent from a friend. Have you? This one came this morning. Greetings, how are doing today? I don't know if you're aware that am presently in (Manila) Philippines,I was robbed of my cash, phones and credit cards last nigh...
by Sheepdog
Sat Mar 14, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 39
Views: 4750

Re: Cleaning my back yard?

westie wrote:Bleach and water 50/50. Once dry, TSP and hot water with stiff brush. Rinse, done in 2 hours.

Agree. You need the bleach to kill the algae. After cleaning, repeat the bleach/water spray. again in mid summer..
by Sheepdog
Mon Mar 09, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Are you happy after retirement?
Replies: 24
Views: 2342

Re: Poll: Are you happy after retirement?

Happy before and happy after, but different pressures which could affect happiness in some people. Before retiring there was pressure from my position in factory management...meeting schedules, employee leading...union dealings and negotiating....discipline issues...hiring decisions....layoff decisi...

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