Search found 4374 matches

by Sheepdog
Wed Sep 28, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 35
Views: 1243

Re: How closely do you check your credit card statements?

I enter my charges into a software program as soon as the charge is made (Microsoft Money - sunset edition). I glance online every day at my charges. I balance my cards every Sunday just in case (takes 5 minutes) -- then double check on monthly statement. I charge EVERYTHING over a few dollars on m...
by Sheepdog
Tue Sep 27, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 61
Views: 3889

Re: How it really feels to have investments during a bear market?

What if you are living off of your investments in retirement and the markets have been dropping. You have been watching your and your spouse's economic future deteriorating, then on one day there is the largest to date one day drop and you realize that on that one day alone you lost one full year of...
by Sheepdog
Thu Sep 22, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4599

Re: Yahoo says hackers stole info in 500 million user accounts

The New York Times added this tidbit: The company said it was working with law enforcement officials. It encouraged users to review their online accounts for suspicious activity and to watch out for suspicious emails. The announcement comes as Verizon Communications moves forward with its $4.8 billi...
by Sheepdog
Thu Sep 22, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4599

[500 million Yahoo accounts hacked, what should you do?]

[Thread retitled and merged with a later thread, see updates below. --admin LadyGeek] SAN FRANCISCO (AP) — Yahoo says the personal information in 500 million accounts was stolen in a massive security breakdown. The breach disclosed Thursday, the latest setback for the beleaguered internet company, ...
by Sheepdog
Thu Sep 22, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 2790

WHAT DOGS TEACH US

There are dog lovers here. You may like this WHAT DOGS TEACH US Live simply. Love generously. Care deeply.. Speak kindly. Remember, if a dog was the teacher you would learn things like: When loved ones come home, always run to greet them. Never pass up the opportunity to go for a joyride. Allow the ...
by Sheepdog
Thu Sep 22, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 2790

Re: Companion Dogs for an older person

If she wants a Lab, and they are wonderful dogs, is she ready to take them on long walks and runs. Labs need to run, play ball, etc. They need and deserve strong exercise and play times. There are smaller breed she will love...a lap or sofa dog maybe. Whatever kind of dog, purebred or mongrel which ...
by Sheepdog
Thu Sep 22, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 22
Views: 2884

Re: Aging and Spending

For those of us who are moving along the age spectrum (let's say 65+), I was wondering if you find yourself indulging in things you might not have 10 or 20 years ago. Are you feeling that time is starting to run out a bit, so you better start doing and buying things you didn't used to? If so, what ...
by Sheepdog
Thu Sep 22, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Retirees living off Wellesley Income Fund: how do you manage the nuts and bolts?
Replies: 8
Views: 1660

Re: Retirees living off Wellesley Income Fund: how do you manage the nuts and bolts?

Because of my age and retirement income needs, I invest quite differently. Our Wellesley (and in the past other income funds) is invested within traditional and Roth IRAs. I seldom have to take distributions from our Roth IRAs, so the investment's dividends and capital gains are reinvested. However,...
by Sheepdog
Wed Sep 21, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 214
Views: 20257

Re: The Bogleheads' "100 Things Worth Every Penny" List

I just bought a new computer to replace my 9-year old computer. You read that correctly - 9 years! Keeping the old computer was one of the strangest things I've done to try to save $$, upgrading was worth every penny and more! Well, I am still using my Dell desktop, using Windows XP, and an Envisio...
by Sheepdog
Wed Sep 21, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Trust and IRAs
Replies: 7
Views: 621

Re: Revocable Trust and IRAs

No. It complicates things upon inheritance, and limits the stretch based on the expected lifetime of the eldest beneficiary. Unless you have a very strong reason to name the trust as beneficiary, I would not do it. I don't (and I do have a living trust). Kevin I agree with Kevin. I would not consid...
by Sheepdog
Tue Sep 20, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 214
Views: 20257

Re: The Bogleheads' "100 Things Worth Every Penny" List

Miriam2 wrote:
Sheepdog wrote:Two things are worth every penny.

A beautiful sheepdog?

Oh, yes.. Woof. Woof. They are worth every penny.
by Sheepdog
Tue Sep 20, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 214
Views: 20257

Re: The Bogleheads' "100 Things Worth Every Penny" List

Three things are worth every penny. 1. An evening with my wife at the best restaurant in town, including the best service. I would want an outstanding medium rare steak preceded by cocktails made with premium ingredients. A bottle of fine merlot or other red wine would be shared during the meal. Tha...
by Sheepdog
Mon Sep 19, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Organizations That Help The Poor
Replies: 14
Views: 658

Re: Charitable Organizations That Help The Poor

I donate annually to (My emphasis is LOCAL where I can see what is done.) 1. Our local Catholic Charities which gives food to several food pantries and shelters of all denominations as well as youth and aged food and education services. 2. A local homeless shelter. 3. Local Salvation Army have their...
by Sheepdog
Sun Sep 18, 2016 7:21 am
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 5147

Re: Never invest in ....... ?

Never invest in something which is said that it will grow beyond belief and with little chance of loss, or, simply, never invest in something which looks too good to be true.
by Sheepdog
Sat Sep 17, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Keys to a Successful Retirement
Replies: 55
Views: 6651

Re: Keys to a Successful Retirement

i'm not sure if i agree with BobC. Age 64 seems high and whole life insurance might not always be good. be the rest seems decent. One should AVOID whole life insurance under practically all circumstances. I can't believe BobK recommended it... Where does BobK recommend whole life insurance? Quote i...
by Sheepdog
Sat Sep 17, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38278

Re: Do you really need 2.5 million to retire well?

Do you really need $2.5 M to retire well? Earlier I wrote just "NOPE" to that question. I could have added this....I reached retirement expecting to live off of our savings and Social Security only. At retirement, in late 1998, we had $666K; and, in 2012, my wife added a $178K windfall. Th...
by Sheepdog
Sat Sep 17, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Keys to a Successful Retirement
Replies: 55
Views: 6651

Re: Keys to a Successful Retirement

I like what you wrote, Bob, and I have pondered making comments. I have decided to do so because I am having a successful retirement economically, physically and emotionally....18 years into it at the end of this month and enjoying it. Economically.....I reached retirement expecting to live off of o...
by Sheepdog
Sat Sep 17, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Any Bogleheads in Indiana or Cleveland? [Considering real estate investment]
Replies: 9
Views: 747

Re: Any Bogelheads in Indiana or Cleveland?

A Hoosier, here...in Indiana, northern Lake County (Gary, etc.) and the near north side of Indianapolis have reputations for being pretty rough, but as is true everywhere, all real estate is local and mile or two change can make a huge difference (there are near-million dollar houses in Gary, IN :o...
by Sheepdog
Wed Sep 14, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 2465

Re: How to fix doors that don't close after new carpet installation

You will have to cut some off of the bottom of the door. That is not uncommon after carpet installation. Some carpet installers will cut the door when they install (not for free.)
by Sheepdog
Wed Sep 14, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 38
Views: 2118

Re: Vanguard QCD Checks

When it comes to QCDs, other than knowing whether or not they received the check, I would not be too concerned about it since QCDs cannot be used as deductions if a taxpayer is itemizing deductions on Schedule A. Of course the better benefit of QCDs is that they do not count as income "above t...
by Sheepdog
Wed Sep 14, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 38
Views: 2118

Re: Vanguard QCD Checks

Keep in mind that the smaller the charity, the more likely it is to be run by part-time volunteers. Sometimes the treasurer, or whoever's job it is to handle donations, could be sick, or out of town, or hasn't been in the office recently. That is correct..you need to give leeway to volunteer organi...
by Sheepdog
Wed Sep 14, 2016 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 38
Views: 2118

Re: Vanguard QCD Checks

Keep in mind that the smaller the charity, the more likely it is to be run by part-time volunteers. Sometimes the treasurer, or whoever's job it is to handle donations, could be sick, or out of town, or hasn't been in the office recently. That is correct..you need to give leeway to volunteer organi...
by Sheepdog
Wed Sep 14, 2016 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 38
Views: 2118

Re: Vanguard QCD Checks

You could ask the charity if they received it. It is a pain, but that is what I have had to do only once. I am sending out 15 QCDs this year. If I don't receive a confirmation letter within 4 weeks or so, I would contact the charity. And you know what? I mailed a QCD check to our local symphony in ...
by Sheepdog
Tue Sep 13, 2016 12:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1803

Re: Forum tops 3,000,000 post mark

Fantastic. It is amazing of how this forum and it's predecessor at Morningstar has grown since the original inception in 1998. Thank you, Mel, Taylor and all of the moderators and web management. We need to be reminded of all of the good you do, and the good that all of the members have provided to ...
by Sheepdog
Tue Sep 13, 2016 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Long term care rate increase
Replies: 21
Views: 1957

Re: Long term care rate increase

My wife is now 76. She purchased a LTC policy from GE in 1999 at the age of 59. Her premium did not increase until 2015 when it went up 19%. Then she received today a notice of an increase of 20% for the coming year. Each year the maximum payout increases automatically 5%. What is yours? This year h...
by Sheepdog
Sun Sep 11, 2016 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: When do you cut bait and run?
Replies: 17
Views: 2796

Re: When do you cut bait and run?

Old thread from Feb. Would be interested in knowing what the OP did. Markets rebounded nicely from Feb. Hope he/she stayed the course. A lesson in risk appetite and not reacting to markets. You could private message the OP to ask. It would be interesting and educational for us and the OP if answered.
by Sheepdog
Sat Sep 10, 2016 1:10 am
Forum: Investing - Theory, News & General
Topic: Everything down today - except Junk!
Replies: 17
Views: 2280

Re: Everything down today - except Junk!

I went out to eat and see a show tonight, so my credit card balance is up and that's not junk. It was a good day.
by Sheepdog
Fri Sep 09, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: Why Your Portfolio Needs Plenty of Stocks, Whatever Your Age (NY Times)
Replies: 25
Views: 4539

Re: Why Your Portfolio Needs Plenty of Stocks, Whatever Your Age (NY Times)

I am "winning the game" and I will "win the game in my remaining time with y'all" and I don't have or need "plenty of stocks", I have enough stocks. Okay, I am repeating my point of view another time, after many times, and I can't be convinced otherwise. I have been ret...
by Sheepdog
Thu Sep 08, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Emergency SmartPhone for a 90+ year old
Replies: 41
Views: 2375

Re: Emergency SmartPhone for a 90+ year old

Is a SmartPhone necessary? Perhaps a simple flip-phone would meet her needs. I agree. I don't need or want a smart phone and neither does my spouse. Not quite 90, but a Tracfone flip phone works to receive calls and make calls, including emergencies. Cost about $100 a year. (We even keep old outdat...
by Sheepdog
Tue Sep 06, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Light fixture's ground wire
Replies: 17
Views: 1173

Re: Light fixture's ground wire

The ground wire on a light fixture has no operational purpose: it's there just in case a wiring fault causes the fixture body to become energized. It is not shielded normally.
by Sheepdog
Mon Sep 05, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 52
Views: 3217

Re: Hearing aid 101

As others have stated, most hearing loss (and certainly mine) is a type of high frequency loss, you need to match the hearing aid profile with your hearing. I worked with an audiologist who sold me some pretty pricey units, I worked with her over a period of four months to tune them in -- the initi...
by Sheepdog
Sun Sep 04, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 52
Views: 3217

Re: Hearing aid 101

Hearing aid 101. See a Doctor of Audiology. Have your hearing tested by an expert. In my opinion, a user of quality, tested, hearing aids, don't buy over the counter and on-line hearing aids or from hearing aid stores. {My cost was about $1200 each 2 and 3 years ago)
by Sheepdog
Sun Sep 04, 2016 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Employer mistakes 100% for 0% contribution to TIAA-CREF
Replies: 24
Views: 2075

Re: Employer mistakes 100% for 0% contribution to TIAA-CREF

Soupboy, I love stories about fighting for your rights and winning. Congratulations and welcome to the Bogleheads.
by Sheepdog
Thu Sep 01, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11627

Re: Who is ready for iphone 7?

No eye phone....only an ear phone Ummm what does that mean? What does that mean? If you are serious, and I don't know it you were. My comment was meant to be a play on words...trying to be humorous. I failed, it seems. I don't have an "eye" phone (eye for I) to view, only an ear phone {on...
by Sheepdog
Tue Aug 30, 2016 12:32 am
Forum: Investing - Theory, News & General
Topic: Feelings/Sentiments about Recession
Replies: 44
Views: 2990

Re: Feelings/Sentiments about Recession

Feelings/Sentiments? Recessions will occur again some day, some year. There will be a recovery from that again some day, some year. I cannot predict when the next one may occur. I have experienced several in my four score and three years. I know that it will affect many people and organizations, but...
by Sheepdog
Mon Aug 29, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Fit bit
Replies: 35
Views: 2180

Re: Fit bit

FITBIT ONE ...is all you need. basic simple step counter +1 Perfecto :happy Me two. I have used this for 5 years...the same one. I just keep it in my pocket with my vile of Nitroglycerine pills :shock: . It offers good incentive to keep moving, such as this July they sent me this email message: Goo...
by Sheepdog
Sun Aug 28, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11627

Re: Who is ready for iphone 7?

No eye phone....only an ear phone
by Sheepdog
Sun Aug 28, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 57
Views: 7352

Re: Retirees Saying No To The Market

" We were actually brought up to think that stocks and other investments were sinful because they were just a way for 'those kind of people' to steal money from 'our kind of people'. I had forgotten that was a common saying in my youth. I remember this from my uncle "They are just after y...
by Sheepdog
Sun Aug 28, 2016 8:19 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 57
Views: 7352

Re: Retirees Saying No To The Market

I know several living-well in retirement with no stock investments. With SS and nice pensions, they don't need the hassle and worry of investing in stocks. Then you have many who have very little money at all. They don't say no to The Market, they have no choice. Then you have those who have never i...
by Sheepdog
Sat Aug 27, 2016 10:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Jacksonville Florida Chapter
Replies: 8
Views: 501

Re: Jacksonville Florida Chapter

WolfgangPauli, There was a thread in 2012 about starting a Jax club with several showing interest which you contributed to. https://www.bogleheads.org/forum/viewtopic.php?t=85439 I suggest that you private message those to begin with. And, keep bumping this conversation up daily for week or more so ...
by Sheepdog
Thu Aug 25, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33255

Re: Frugality regret: What thing do you regret not spending on?

I wrote earlier in this thread back in 2014 that I had no regrets on not spending, then last evening as I was driving to a park with my wife and sheepdog to cook out, I remembered something. It was funny and ironic. I brought it up to my love as we drove and we laughed. I was taught a lesson. In lat...
by Sheepdog
Wed Aug 24, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Should contractors working on my house be licensed? have insurance?
Replies: 22
Views: 1848

Re: Should contractors working on my house be licensed? have insurance?

I have always asked the contractor to supply a copy of his liability insurance and worker's compensation certificates before the work is started. I then call the insurance carrier to verify that it is in force. I had one case where the policy was not in force so the contract was cancelled. It has al...
by Sheepdog
Mon Aug 22, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Honeymoon - Alaska or Greece
Replies: 22
Views: 1649

Re: Honeymoon - Alaska or Greece

Alaska or Greece? On a honeymoon? Greece is more romantic, the Greeks are more romantic, and especially so if you will spend some or all of your time on a Greek Isle, and why not? Even if you are on the mainland, take a ferry for a day or two to an island resort, preferably more. Watty gave you a go...
by Sheepdog
Mon Aug 22, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: retirement websites/books?
Replies: 13
Views: 1177

Re: retirement websites/books?

I believe that you will not find anything more useful than this site's WIKI. There is so much to read and learn on your subjects right there. Have you read them? https://www.bogleheads.org/wiki/Main_Page
by Sheepdog
Fri Aug 19, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 9565

Re: Favorite Restaurant Stop on Road Trips

Fast fast food stops....Burger King, Wendy's, Subway.
Slower evening meals...Cracker Barrel, local steak houses and fish houses.
by Sheepdog
Thu Aug 18, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow and Spending in Retirement
Replies: 18
Views: 1190

Re: Cash flow and Spending in Retirement

sixtyforty, maybe you can read my statement in the thread which livesoft provided for you. I will add something extra here which perhaps answer my feelings for this question of yours. For those that are retired, how are you matching your cash flow, with your budget ? For example, if one could not sp...
by Sheepdog
Wed Aug 17, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Question on Inflation
Replies: 23
Views: 1520

Re: Question on Inflation

To supplement and interpret sheepdog's very interesting data, you might want to look at the tables in Wade Pfau's recent paper on how spending patterns change by age. Apparently older cohorts have different patterns of spending on different categories as they age. Totally spending decreases overall...
by Sheepdog
Wed Aug 17, 2016 6:20 am
Forum: Investing - Theory, News & General
Topic: Question on Inflation
Replies: 23
Views: 1520

Re: Question on Inflation

Do you track your expenses? Try to determine your "personal inflation rate" based on your spending. For the average population, it may 3% or whatever is reported (or under-reported) by the government. You may be able to do better by having 0% personal inflation or even negative inflation....
by Sheepdog
Tue Aug 16, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D
Replies: 17
Views: 1110

Re: Medicare Part D

My wife and I had Part D plans until 3 years ago when I went to an Advantage plan which includes prescription drugs. When I had Part D plans, I would review the plans every year and perhaps change to lower cost plans. We were probably insured by 6 or more plans during 12 years. My wife's plan was so...
by Sheepdog
Mon Aug 15, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you adjust your AA to account for your age?
Replies: 29
Views: 2334

Re: How often do you adjust your AA to account for your age?

Before retiring at 65, I kept my allocation in stocks fairly constant (around 55 to 60%)... Then every year I adjusted it with my in-retirement stock allocation of 100 minus my age from age 66 to 76 where my AA froze.

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