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Re: Vacuum Cleaner Suggestions Please

Consumer Reports tested vacuums this year. Top rated Bagged Uprights 1. Kenmore Elite 31150 $350 2. Miele S7210 Twist $475 3. Miele S7260 Cat & Dog $715 4. Kenmore 31140 $200 Best Buy Bagged Uprights Kenmore 31140 $200 Kenmore Progressive 31069 $200 (I bought this one 3 months ago. It is great,...
by Sheepdog
Thu Nov 27, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 4
Views: 156

Re: How did you handle the 2008 bear market ?

Read this long thread from Nov 12, 2008 as the "crash" was ending, titled "What's your one big takeaway from the Crash of 2008?." You may find it enlightening. viewtopic.php?f=10&t=28103
by Sheepdog
Tue Nov 25, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 67
Views: 3155

Re: Vanguard Money Market Fund - keep open ?

All? No way to tell.. My MM account has been empty for some time, but it has not been removed from my account list by Vanguard even though empty.
by Sheepdog
Tue Nov 25, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Fund - keep open ?
Replies: 17
Views: 1435

Re: What doyou splurge on?

Gardening, eating out at special restaurants, entertainment (attending plays, symphonies, home NFL games), good bourbon and scotch... good stuff all. Maybe these things aren't necessary, but they are.....for the soul.
by Sheepdog
Fri Nov 21, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 150
Views: 9242

Re: Retirees' Regrets

No real regrets, except that I believed I would not live too many years after retiring because of my heart attack before retiring, plus my father passing at 61 and because of that I took my SS at 65 and have my wife take hers at 62 rather than wait. I could have waited to get more, but it didn't mak...
by Sheepdog
Fri Nov 21, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 2851

Re: How often do you go out to dinner?

We eat in a "sitdown" restaurant for an evening meal at least one day every weak, but twice a week about every other week or whenever we go to a play or concert or sporting event. Lunch meals? .about 3 times a week. Our restaurant expense this year totals $3,900.
by Sheepdog
Mon Nov 17, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 4573

Re: Who is mailing Holiday Cards this year?

I do send Christmas and Hanukkah cards, but I don't send holiday cards.
by Sheepdog
Sat Nov 15, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3255

Re: I BONDS

If purchased in April 2003 the bonds have a fixed rate of 1.6% and would earn this through 2033. The fixed rate of 1.6% will more than cover the additional 10% tax if you hold through maturity in 2033. I would hold these as part of your long term fixed allocation and not let the tail wag the dog wi...
by Sheepdog
Thu Nov 13, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: I BONDS
Replies: 8
Views: 1150

Re: Redeeming I-bonds in January 2015. A couple questions.

You have evidently read the Treasury website. It says, If your paper bond is lost, stolen, or destroyed We need the following information before searching for the record of your bond: Bond serial number -- If you don’t have the bond serial number, provide all of the following: a. Specific month and ...
by Sheepdog
Tue Nov 11, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Redeeming I-bonds in January 2015. A couple questions.
Replies: 3
Views: 541

Re: Happy Birthday, Marines!

Semper Fi, Rick, from this proud ex Marine. No, I take that back. We are never ex Marines, are we?
I also thank all of those who have served our nation at home, in the air, on the seas and on the battlefields.
Jim Wood
Sergeant
USMC 1952-56
by Sheepdog
Mon Nov 10, 2014 10:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 856

Happy 239th Birthday, U.S. Marine Corps

[Thread merged, see below. --admin LadyGeek] From their debut in 1775 when the Second Continental Congress passed a resolution creating “two Battalions of Marines be raised,” to the mountains of Afghanistan and the deserts of Iraq, the United States Marine Corps has earned the world’s respect as an...
by Sheepdog
Mon Nov 10, 2014 2:04 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 856

Re: Collision claim on new auto policy - problems

I always call the police and file a report. Let the other driver lie to the police if he's so inclined. In this community, if the accident is on private property, like a strip mall, and no one is injured, the police will not send anyone to file a report. Are others like that? (You may file an accid...
by Sheepdog
Fri Nov 07, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Collision claim on new auto policy - problems
Replies: 24
Views: 2096

Re: Your very first email

I don't remember my first one, but it was at work, probably in the early 90s. My first personal email at home was in the mid 90s via Prodigy. There was a monthly limit which I could send or receive based on my plan. Personal security was non existent as I remember. When I joined Morningstar in 1998 ...
by Sheepdog
Thu Nov 06, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2381

Re: What do you set your thermostat to (in F)?

winter settings
68 8am to 11 pm
65 ll pm to 8 am

I voted 68 as there is only 1 choice possible
by Sheepdog
Tue Nov 04, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4473

Re: Photos from my recent bicycle ride across Wales

Thank you for the photographs. They helped remind me of my motoring trip thru beautiful Wales a decade or so ago. Besides the scenery and many castles, wonderful, hospitable people live there.
by Sheepdog
Sun Nov 02, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1694

5 things you don't know about Vanguard

Marketwatch's Victor Reklaitis published this story 11/1/14 " 5 things you don't know about Vanguard . http://www.marketwatch.com/story/5-things-you-dont-know-about-vanguard-2014-10-31?siteid=rss&rss=1 MALVERN, PA. (MarketWatch)—Vanguard isn’t Apple or Coca-Cola, but with its huge retiremen...
by Sheepdog
Sat Nov 01, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: 5 things you don't know about Vanguard
Replies: 21
Views: 4675

Re: Traditional Medicare vs Medicare Advantage

I had been insured by Medicare plus a Medigap plan for 15 years. Later I added the Part D prescription plan. When I enrolled with my first Medigap plan my rate was about $79 a month. As rates increased, I would review new plans. In 2005, I was advised of a big increase, so I changed to another with ...
by Sheepdog
Mon Oct 27, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1977

Re: If holding cash, do you want a Great Depression?

I certainly don't wish for a Great Depression, not tike the 30s. You shouldn't either....too much pain...too much death....too much poverty....too much suffering. Banks closed and people lost their cash savings. I was a child of that time. Terrible.
by Sheepdog
Mon Oct 27, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 4075

Re: Do you dream about retirement?

No more do I dream about retirement. I live retirement. Wonderful, busy, enjoyable time of life. However, I have a recurring dream of my working years even after 16 years retired, so I guess I dream about work. In that dream I am doing my job, running a factory, working with my coworkers, just as if...
by Sheepdog
Mon Oct 27, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 6617

Re: investing during retirment

It takes "staying the course" planning, controlled spending, and investment allocation to survive decades of retirement with good and bad markets. Jim I completely agree and applaud your ability to weather the storms of the last decade plus. Just trying to do some math based on your numbe...
by Sheepdog
Thu Oct 23, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 2081

Re: investing during retirment

I hope I'm not getting away from your initial inquiry, but I think since 2008, a lot of folks retiring didn't realize just how mis-allocated they were. I hope everyone can humor me for a minute: If I'm taking income from a significant bond allocation, my loss wasn't as bad in 2008, but neither were...
by Sheepdog
Thu Oct 23, 2014 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 2081

Re: Gross Yearly Income needed in Retirement (Speculation)

I live in a low cost of living midwest area, have a paid for 4 BR suburban home on well landscaped 1/2 acre property, and 2 late model cars. Spent $5.5K annual average for vacations the last 5 years. Spent $5K annually for entertainment (sports, symphonies, theater, etc.); $4K annually for restauran...
by Sheepdog
Wed Oct 22, 2014 2:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12938

Re: Why do people use age instead of life expectancy?

If I had used "life expectancy" at 64 in 1998 to determine my investment makeup, it would have been greatly short. My father died at 61 and I had had a heart attack that year, so my "expectancy" was very short. Why not just go out and blow it all? Good thing I didn't since I am s...
by Sheepdog
Mon Oct 20, 2014 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2952

Re: What tax software do you use and why

I used TaxSlayer.com the last 3 years for myself and helping others file theirs. Simple questions to answer so the completion is simple. Plus it is cheap or no cost at all for those with lower AGI.
by Sheepdog
Sat Oct 18, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2656

Re: What will you do when you retire?

What did I do and am doing in my 16 years, going on 30 years, retired? Kept up my gardening and other hobbies, keep up my house (now doing a bath remodel), exercising more to remain healthy, volunteer wherever I am needed, travel in the US and world every year, attend more sporting and cultural even...
by Sheepdog
Sat Oct 18, 2014 11:31 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 37
Views: 3855

Re: Anyone cancelling travel plans?

No, we are not cancelling any travel plans. Why should we? The only fear I have is driving to the airport 70 miles away in January in snow or ice, but even that won't stop me. . Now, if I was scheduled for a photo safari in Africa, maybe I would, but ONLY that.
by Sheepdog
Sat Oct 18, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6432

Re: If those airline passengers get sick- airline stocks wil

"We have nothing to fear but fear itself;" FDR
by Sheepdog
Sat Oct 18, 2014 3:51 am
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1765

Re: Your personal risk level: Got your flu shot yet?

Yes, I had my flu shot this week at my physician's office.
I am also current on my pneumonia vaccination.. last taken 4 years ago..very important for seniors.
by Sheepdog
Thu Oct 16, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3224

Re: What are you up YTD?

Retiree....24% stock
I posted on 8/26 4.6%
As of 10/13 4.2%
by Sheepdog
Tue Oct 14, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18621

Re: You will think this is a stupid question

Sure, the bond fund net asset value will rise, but so will the interest earned. Keep it for the length of the duration, I will be fine.
by Sheepdog
Tue Oct 14, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: [unofficial Fed announcements make bond prices predictable?]
Replies: 25
Views: 940

Re: Retired and end of month checking account balance?

My checking account balance varies based on monthly cash flow forecasts, but I do have a minimum balance of $3000 because that is the minimum to maintain my bank''s free senior checking account perks (free interest bearing checking, free checks, travel club, weekly breakfast seminars, free notary se...
by Sheepdog
Mon Oct 13, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 2505

Re: Clothes Dryer drying very slowly

It is likely that lint has built up in the dryer exhaust pipe. Clean it out and you probably will have it dry properly.
by Sheepdog
Sun Oct 12, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1974

Re: I-bonds - variable rate - Nov 1

Sheepdog wrote:According to Sheyna Steiner of Bankrate.com http://www.bankrate.com/finance/savings ... ond-1.aspx ,
[
Exciting, huh?


Edit: Ignore this report; Thanks for letting me know that this report was from 2010. Sorry. There was no date on the 1st page.
by Sheepdog
Sun Oct 12, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds - variable rate - Nov 1
Replies: 13
Views: 2188

Re: I-bonds - variable rate - Nov 1

Deleted reply
Exciting, huh?
by Sheepdog
Sun Oct 12, 2014 1:55 am
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds - variable rate - Nov 1
Replies: 13
Views: 2188

Re: Draw down taxable saving first?

After retiring, I spent taxable accounts first while also converting some to Roth IRAs and I Bonds, as follows. After retiring I worked to reduce my taxable accounts during the first 5 years (1998-2002) when my tax rate was lower to save taxes later and to allow my tax deferred accounts to grow. 1. ...
by Sheepdog
Fri Oct 10, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Draw down taxable saving first?
Replies: 43
Views: 3723

Re: When people put all their eggs in the wrong basket

Horrible. Here is just part of what one person, Bond007, wrote yesterday at 1:11 pm. I won't make a comment on all of this. This fellow says it all. Very sad. These are just excerpts of his writeup of his losses. Bond007 wrote This would be my last post on this forum. I am officially signing off. Th...
by Sheepdog
Wed Oct 08, 2014 6:37 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28919

Re: Retirees only, what was you average investment return?

Retired 16 years ago. I have no idea of my long term pre retirement returns before the last 3 years before retiring (96,97,98). The average for those 3 bull market years was 12.53%. I did not record that in your poll because it was such a short time frame
by Sheepdog
Wed Oct 08, 2014 6:07 am
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3532

Re: What was your initial AA and how has that worked out?

I never had an allocation until I was about ready to retire at age 65 in 1998. I had no plans before then,...just a mixture. Why did I not have a plan? I didn't know anything about that. I just bought and sold, at random, individual stocks and a conglomeration of mutual funds. No planning was involv...
by Sheepdog
Tue Oct 07, 2014 9:57 am
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2572

Re: "Stock Exposure: Grow or Shrink Throughout Retirement?"

Thank you, Larry (and Jared). You stated my feelings as well
by Sheepdog
Mon Oct 06, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: "Stock Exposure: Grow or Shrink Throughout Retirement?"
Replies: 35
Views: 2986

Re: "Stock Exposure: Grow or Shrink Throughout Retirement?"

As a retiree living off his investments and SS only, the assumption that I should increase my stock allocation as I age is ridiculous. Maybe, if I had a great pension, maybe I could, but since I don't, I won't decide what I might do under that circumstance. Sixteen years in retirement with basically...
by Sheepdog
Mon Oct 06, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: "Stock Exposure: Grow or Shrink Throughout Retirement?"
Replies: 35
Views: 2986

Re: What will you do during the next crash?

What will I do during the next crash? Not like I almost did in October 2008 in this scary thread which I started with I can't believe I am thinking this . http://www.bogleheads.org/forum/viewtopic.php?f=10&t=25126&p=297409#p297409 . I started that long thread with "I have been retired f...
by Sheepdog
Sat Oct 04, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: What will you do during the next crash?
Replies: 63
Views: 4378

Re: Withdrawals in retirement from balanced fund

That scenario is a personal decision. There is not a wrong way or a right way. I went into the 2008 market drop with balance funds and money market funds, but I was out of my planned balance between then....I was greedy, so I had reduced the money market in favor of more balanced (or stock containin...
by Sheepdog
Sat Oct 04, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Withdrawals in retirement from balanced fund
Replies: 10
Views: 971

Re: My 2015 Medicare Costs/benefit changes

My Humana Choice Regional PPO Advantage Plan have these increases for 2015. (I am in my 1st year with this plan.) These are just select items with increases. Monthly premium from $66 to $86....+30% Doctor's office visits primary care ....No change Specialists visits copay from $40 to $45......+12% O...
by Sheepdog
Sat Oct 04, 2014 1:10 am
 
Forum: Personal Finance (Not Investing)
Topic: My 2015 Medicare Costs/benefit changes
Replies: 13
Views: 1570

Re: Medicare Part D (Prescriptions), changing plans

I have reviewed our plans every year and will again this year. Last year, I changed my plan to an Advantage plan which covers the prescriptions. That saved me over $1500 this year. I expect to remain there for another year. However, my wife stayed with the Medicare/Medigap/Part D process. She conver...
by Sheepdog
Fri Oct 03, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 37
Views: 2260

Unable to download Vanguard transactions to Microsoft Money

For the first time in my dozen years using Microsoft Money I am unable to download monthly transaction history from Vanguard. If you use Microsoft Money, are you having a problem? I receive the message "The file you attempted to import appears to be invalid or contains corrupt data." I rea...
by Sheepdog
Fri Oct 03, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Unable to download Vanguard transactions to Microsoft Money
Replies: 1
Views: 169

Re: Would you buy a house in cash if you had enough?

After my second house's mortgage was paid off in 1990, I would only pay for another with cash. And, I did, when I purchased a weekend lake house. It's great to have enough.
by Sheepdog
Thu Oct 02, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4389

Re: Buying more when markets are down

Just one comment. The market hasn't dropped much....not very much at all. You'll know when it does. Then again, maybe you will or maybe you won't. Even then, it may drop 25% or more again. So, when do you buy more? Is the market down enough?
As others have said...have a plan and stay with it.
by Sheepdog
Wed Oct 01, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5337

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

What if the bene has little or no sense around money management and you drop a six figure gift (or inheritance) on them ? For those that say "no strings", does that mean you would be OK if the bene went out and blew it? For me? I really wouldn't know. Would I? And, if perhaps there is an ...
by Sheepdog
Wed Oct 01, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 24
Views: 1720

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 12:55 pm
 
Forum: Personal Consumer Issues
Topic: I picked up a penny today...
Replies: 20
Views: 2014

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 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14581
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