Search found 4635 matches

by Sheepdog
Tue Aug 22, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 211
Views: 10176

Re: How far would you travel to see The Eclipse? ANIMAL BEHAVIOR

The eclipse viewing was starting out promising. It was supposed to reach 95% coverage here. As I viewed it with my pin hole viewer, the coverage reached about 75% when the grey clouds rolled in....disappointing. As time progressed it got darker though....crickets chirped, a flock of blackbirds flew ...
by Sheepdog
Sun Aug 20, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2869
Views: 843653

Re: What Movie Have You Recently Watched?

I watched The Zookeeper's Wife last night and enjoyed it. Another WWII movie of the Holocaust variety. This one has good education for they younger generations. It had good acting and the story was as it was. Let's not repeat that period again.
by Sheepdog
Sun Aug 20, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2869
Views: 843653

Re: What Movie Have You Recently Watched?

Their Finest. A different kind of story about Dunkirk. I really enjoyed it. If you enjoyed the series Foyle's War, you would like this. +1 I really enjoyed this, too. As did I. I was 7 years old when the Dunkirk retreat happened. I remember it vividly from radio and movie newsreels at the time. Yes...
by Sheepdog
Sat Aug 19, 2017 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Xmas bonus for Honorably discharged veterans
Replies: 9
Views: 1639

Re: Xmas bonus for Honorably discharged veterans

"Your information cannot be found. " I served in the Army between 1966 and 1969. Any idea why my records can't be found? I have a copy of my DD214. Nor was my records found (USMC 52-56)....probably lost in that 70s fire. I will try to get this verified as I have my original discharge papers in my b...
by Sheepdog
Thu Aug 17, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2568

Re: popcorn ceiling, removal or drywall over it?

I have to bring myself into this conversation again because removal by you may be hazardous to your and your family's health, and perhaps fatal. It disturbs me that some do think that it can't harm you and yours. I was a manager manufacturing this and paints containing asbestos. I know now how hazar...
by Sheepdog
Thu Aug 17, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2568

Re: popcorn ceiling, removal or drywall over it?

If it contains asbestos or lead paint has been used on it, don't disturb it, just cover it with gyp board. Otherwise, scrape it off and skim coat. If applied prior to 1980, if could be asbestos in the popcorn. If it is, don't disturb it unless you wish to have it professionally removed. You may wis...
by Sheepdog
Wed Aug 16, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4899

Re: Postal Service -- "informed delivery"

Do folks still get things of value in the mail? I switched everything to paperless billing. I occasionally get replacement credit or debit cards in the mail, but everything else is junk. I still receive all household bills in the mail. Since I either charge them to my credit card or do a direct deb...
by Sheepdog
Sun Aug 13, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6125

Re: Expect to spend $2.6M on healthcare?

I wrote this earlier this year. I have copied it here as it shows an 18 year retired couple's actual out of pocket medical costs through 2016. Medical cost in retirement. This is not our estimated health care costs in retirement. (I retired at 65.) This is our actual cost over 18 years. Medical, den...
by Sheepdog
Sat Aug 12, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 211
Views: 10176

Re: How far would you travel to see The Eclipse?

We are at 90% and could go 75 miles to be 100%, but I won't. I will wait for it to come to me. We will be at 100% in April 2024. I can wait.
by Sheepdog
Thu Aug 10, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 5902

Re: What is an appropriate lower risk asset allocation once one has "won the game"

I can't say what you or anyone else should have as a lower risk allocation when you have your perceived "won the game" figure. What is your game, by the way ? I felt that I was in good enough shape in my mid 70s even with no pension and without "millions", so I let my stock allocation gradually drop...
by Sheepdog
Tue Aug 08, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2445

Re: How do you manage cash back rewards?

I apply the rewards as a CC credit as soon as eligible. That means that year-to-date, I have not had to pay $1005.75 (rewards to date) to the CC, so I have that extra $1005.75 available to spend in other places.
by Sheepdog
Mon Aug 07, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 55
Views: 5466

Re: How long do you keep your kitchen sponge?

We never have used sponges. Instead, use dish wash cloths and put with laundry. Those wash cloths last years.
by Sheepdog
Mon Aug 07, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7104

Re: Study: Who Sold Stock During the 2008-9 Crash?

It was a very painful time for me as I was living off of investments and had to sell stock containing funds because I had no cushion and my nest egg was disappearing. This long thread which began on 10/9/2008 with updates over several years with the last just last year, explains. Comments from other...
by Sheepdog
Fri Aug 04, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Roth conversions after start of SS benefits (for low expense couples)
Replies: 16
Views: 1494

Re: Roth conversions after start of SS benefits (for low expense couples)

That is good advice, because I have done that. :D Even though I am in my 80s, I still make some conversions to my Roth IRA in the years which I expect to owe no federal income tax, the value of which is that the inherited Roth IRA will not cause tax problems for the beneficiary while from a traditio...
by Sheepdog
Wed Aug 02, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21230

Re: A poll: How much money do you need to retire?

Since I am already retired, I know how much I need and that is what I have :sharebeer . When I retired in 1998 at age 65 my figure was $650,000 living off of that and SS (no pension). The abode was paid for. With inflation added in, that would be $977,000 in 2017 dollars. Guess what? That is damn cl...
by Sheepdog
Mon Jul 31, 2017 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4079

Re: Which Credit Card Companies Do You Like?

I wrote earlier that my everyday card is a Priceline Visa 2% on everything card which is no longer available. This is a Barclaycard. The company has been easy to work with. I noticed that Barclaycard has this card which may be of interest. Barclaycard CashForward Mastercard Get a $200 cash rewards b...
by Sheepdog
Sat Jul 29, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 59
Views: 5965

Re: What are your monthly expenses?

I'd give you ours but we are so far apart in life it would not be helpful as a guide to anything. I'm 69, retired and married. The more important thing is what is your savings rate? agreed, I could give you our expenses down to the penny, this year, last year, the last 20 years., but I am 83. All o...
by Sheepdog
Sat Jul 29, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11134

Re: Your "at peace" moments.

Interesting thinking about being "at peace". Thanks for helping me thinking about and appreciating those times. 1. I love walking the areas near me (housing plans, but mostly open country) I plan on doing 4 miles at a time...good exercise and I plain enjoy it. And, part of that is walking ...
by Sheepdog
Sat Jul 29, 2017 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4079

Re: Which Credit Card Companies Do You Like?

1. Priceline.com rewards Visa. 2% on everything (not available any longer)... my "everyday"card. 2. American Express Blue Cash (only started using in May 2017) $95 annual fee.. Nice initial year's reward of 10% back on restaurants up to $2000 in charges and $150 reward after spending $1000...
by Sheepdog
Fri Jul 28, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Phone number stolen
Replies: 41
Views: 2793

Re: Phone number stolen

I have read that phone numbers are being "stolen" and used for phone scams; that is, when a telephone call is received, the stolen number shows as the CID so it looks legitimate and you are more likely to answer and answer "Rachael" or whomever.
by Sheepdog
Thu Jul 27, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard QCD Process
Replies: 6
Views: 470

Re: Vanguard QCD Process

Vanguard's method is a time consuming method. (I am not a Flagship client.) They won't change the method which is to talk with a "retirement specialist", give the name of the charities and the amount to be donated for each and then wait while approval is given by a supervisor. They won't t...
by Sheepdog
Thu Jul 27, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard QCD Process
Replies: 6
Views: 470

Re: Vanguard QCD Process

delete ... duplicate post
by Sheepdog
Tue Jul 25, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4409

Re: How much electricity are you using and how expensive it is?

We live in Indiana. 2000 sq ft ranch. Natural gas fueled heat, water heater, cooking (including outdoor grill), fire place gas logs, and clothes dryer. Electric every thing else. Thermostat set at 78 degrees during air conditioning season, 68 degrees during heating season. 2016 costs...electric $102...
by Sheepdog
Tue Jul 25, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 3197

Re: What's you safety deposit box fee?

Local bank. The box is a medium size, about 5" high, 12" wide and 15" deep. $31 a year
by Sheepdog
Tue Jul 25, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: Withdrawal rates
Replies: 11
Views: 1416

Re: Withdrawal rates

5% will be fine for her, especially if she does not increase the percentage annually for inflation. If she takes out 5% of what she has on 12/31 every year, she will not run out. If her savings have grown, she can take out more. If her accounts have dropped some, she can just take out less. (I have ...
by Sheepdog
Sat Jul 22, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4409

Re: How much electricity are you using and how expensive it is?

An energy audit has already been suggested to you. I wish to add on that some electric utilities offer the service. Duke Energy offers free in home energy audits. Check with yours
by Sheepdog
Mon Jul 17, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: New home(December closing) - things to do
Replies: 7
Views: 881

Re: New home(December closing) - things to do

Landscaping maintenance both properties. Snow removal in your area? Termite inspection and prevention.
by Sheepdog
Fri Jul 14, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: The legacy and luck of Vanguard's Jack Bogle - Marketwatch
Replies: 4
Views: 909

The legacy and luck of Vanguard's Jack Bogle - Marketwatch

John Merriman wrote this Jack Bogle interview today for Marketwatch . http://www.marketwatch.com/story/the-le ... yptr=yahoo It shows a strong admiration of Mr. Bogle by the writer.
by Sheepdog
Tue Jul 11, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Is Medicaid eligibility based only on income or are assets included too?
Replies: 21
Views: 1454

Re: Is Medicaid eligibility based only on income or are assets included too?

As said, state requirements are different. In my state it is recommended that a potential client apply even though you aren't sure you are eligible. So, I suggest your friends apply and not have to guess.
by Sheepdog
Mon Jul 10, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Company letter about roof
Replies: 13
Views: 1293

Re: Home Insurance Company letter about roof

It is not abnormal to get such a request. Insurance companies want clients with newer roofs (less hail damage). The fact that you have had a policy with them for "many" years, they would like to know if you had it replaced in recent years. Two years ago I told my insurance company (Hartfor...
by Sheepdog
Mon Jul 10, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: what happened to new KO roses?
Replies: 20
Views: 1417

Re: what happened to new KO roses?

How far north are you? We've has Japanese beetles for weeks in Illinois already, and it's a really bad year. Rose rosette is a problem, but it doesn't usually present like the OP is describing. Same in Indiana. Just a side note. Are your Knockout roses planted in full sun. In my area they must have...
by Sheepdog
Mon Jul 10, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3442

Re: The cost of car ownership

Oh for the day when a new 1966 Oldsmobile Delta 88 cost under $5000. That brings back memories. I loved the new 1965 Mustang, but the $2400 to $2600 price was too high. I bought a NEW 1965 Dodge Dart instead for $1989. My wife took that one as her car a few years later and kept it for 13 years plus...
by Sheepdog
Mon Jul 10, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3442

What did I spend for car ownership for the last 10 years? I don't have to guess. I have the records, so I looked at what my wife and I spent to have autos in that period. We owned U.S. branded cars purchased pre-owned, less than 2 years old when obtained. My last one is a 2010 Ford Edge purchased in...
by Sheepdog
Sun Jul 09, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4467

Re: Coyote control

by Sheepdog
Sun Jul 09, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 56
Views: 4310

Re: Medicare Supplement Policies?

I have used an Anthem BC/BS Medicare Advantage PPO plan now for 4 years. It includes a dental, hearing and vision package. I previously used standard Medicare with a G Medigap plus a Part D prescription plan. It has saved me over $2000 a year, not including the dental and hearing plan which I am jus...
by Sheepdog
Sat Jul 08, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use ANNUITIES for SOME of their retirement funds?
Replies: 61
Views: 4235

Re: Does anyone use ANNUITIES for SOME of their retirement funds?

Uncle Pennybags wrote: Back when I had to chose between a lump sum or monthly company check, I attended an insurance sales presentation. I really didn't listen, I was only there for the food.
:)
by Sheepdog
Sat Jul 08, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use ANNUITIES for SOME of their retirement funds?
Replies: 61
Views: 4235

Re: Does anyone use ANNUITIES for SOME of their retirement funds?

I waited until I was 80 to 82 to purchase 3 SPIAs, a mixture of fixed term and my life only annuities. (The my life only annuity was my wife's idea.) They comprised 15% of our retirement funds when purchased. Those plus SS cover all of our normal annual expenses. (Special purchases such as big vacat...
by Sheepdog
Fri Jul 07, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10244

Re: Last 80 minutes of my career

Hogan773 wrote:Enjoy next Monday!

On Tuesday, apply to become an Uber driver so you can avoid being bored and make some extra money on the side :wink:

boredom in retirement? Why would you think that?
by Sheepdog
Fri Jul 07, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10244

Re: Last 80 minutes of my career

Almost 19 years ago, 2 October 1998, I felt the same way. Today, I wonder how I had time to go to work. It has been and is a wonderful life away from a career. I take that back, what I did, and I believe you will, is find a new career called living for LIFE. Congratulations to you. Be ready to have ...
by Sheepdog
Wed Jul 05, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11339

Re: What do you splurge on?

Being in my 80s, my splurges will be different than some of you. We used to have a sizeable vacation budget, but it is down somewhat now because of my spouse's mobility.....but we still go somewhere enjoyable annually. Season tickets for Indianapolis Colts for my wife, bachelor son, and myself. Seas...
by Sheepdog
Tue Jul 04, 2017 2:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Fourth of July Message [Independence Day]
Replies: 13
Views: 1417

Re: A Fourth of July Message [Independence Day]

Thank you, Taylor.....our WWII hero. God be with you.
JIm
by Sheepdog
Tue Jul 04, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 5626

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

My spouse does nothing financial. If I change insurers I first consult and then advise her. I have EVERYTHING on paper. When changes are made, so do the files. There is a notebook with a copy of our Trust in which I also keep all of that info. Everything which is truly confidential (stealing could h...
by Sheepdog
Mon Jul 03, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Using a 5y moving average to smooth withdrawals in VPW?
Replies: 21
Views: 1660

Re: Using a 5y moving average to smooth withdrawals in VPW?

I use a continuous moving average not just a 5 year. This is my process, which long time members here have read it before. My 18 year withdrawal rate has certainly oscillated, but that was expected. For me, planning a big vacation in Europe or Asia, new autos, or buying and maintaining a lake cottag...
by Sheepdog
Sat Jul 01, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 251124

Re: What are you up YTD? [Year To Date]

7/1/17 84 year old, living off of investments (22% stock) and SS...total return 3.82%. Happy with that, more earned than I took out
by Sheepdog
Sat Jul 01, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 4060

Re: Anyone else got all their eggs in only the Vanguard basket?

Except for a checking account, I Bonds, and a kitchen tea kettle all of our assets are with Vanguard and have been for a bunch of decades.
by Sheepdog
Fri Jun 30, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Chances of delaying Social Security to age 70. Realistic?
Replies: 54
Views: 4091

Re: Chances of delaying Social Security to age 70. Realistic?

We probably all have different goals or thoughts on this and timing may change those goals. For example, I was considering waiting past age 65 to start. However, I had a heart attack a few months before retiring, so I said I had better take it now. Well, I am now 84, so so much for thinking i would ...
by Sheepdog
Thu Jun 29, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 11739

Re: Zacks says sell Wellesley!?

Another Zacks comment Their new Strong Buy Growth and Income. https://finance.yahoo.com/news/time-buy ... 08298.html.
by Sheepdog
Wed Jun 28, 2017 3:03 am
Forum: Personal Finance (Not Investing)
Topic: Retirement spending
Replies: 16
Views: 2263

Re: Retirement spending

I retired 18 years ago, living off of savings and SS, living happily frugally but without any wants, I have taken out an average of 4.6% per year and have had investment growth. We feel in great shape with our trust set up for nice giveaways to family and charities after we have departed. However, l...
by Sheepdog
Fri Jun 23, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 11739

Re: Zacks says sell Wellesley!?

I came across this recommendation from Zacks who today says it is time to buy VHCOX Capital Opportunity https://www.zacks.com/stock/news/265324 ... fund-vhcox .

Did they do any research? VHCOX has been closed to new investors for a long time. Sigh. What can I say?