Search found 4448 matches

by Sheepdog
Sat Jan 21, 2017 1:32 pm
Forum: Forum Issues and Administration
Topic: scheduled down time morning of January 22
Replies: 13
Views: 821

Re: scheduled down time morning of January 22

Thank you for everything that you do for this site, and for us particularly.
by Sheepdog
Fri Jan 20, 2017 2:19 am
Forum: Investing - Theory, News & General
Topic: Y2k retiree how is s/he holding up after 2016
Replies: 26
Views: 3719

Re: Y2k retiree how is s/he holding up after 2016

It's all good for this happy 2000 retiree. Never bought into the 4% so-called SWR, nor did I go into retirement 75/25. Nor did I. I didn't retire in 2000, but close...10/1998. I have kept considerably less stock equity in these years and have taken out an average of 4.59% annually. I have taken out...
by Sheepdog
Mon Jan 16, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Refinancing 2017 Honda Civic. Honda Financial services added $75 to my loan.
Replies: 18
Views: 1326

Re: Refinancing 2017 Honda Civic. Honda Financial services added $75 to my loan.

I can't advise you except....did you read your loan contract? It shouldn't be hard to find.
by Sheepdog
Mon Jan 16, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Value of House in Planning for Retirement
Replies: 46
Views: 3057

Re: Value of House in Planning for Retirement

Will your current house really appreciate in value at 3% per year (every year) until you retire? Will it be easy, without costs (realty, closing, relocation, etc.), to sell your current house? Some houses don't even keep up with the real value....not even close. I live in a low COL area. The neighb...
by Sheepdog
Sun Jan 15, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: What is that gas / fume smell from furnace?
Replies: 15
Views: 793

Re: What is that gas / fume smell from furnace?

And the gas company will send someone out on Sunday saying something like
" I smell something gas like in my apartment. Please come out."
by Sheepdog
Sun Jan 15, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 86
Views: 6660

Re: Vanguard on finding a dead person's password

Not strange at all to me. I have my passwords and account numbers written and in a safe place and that place is known by my spouse and children. For example, in my case, when I am incapacitated by illness or death: 1. My adult children may need to gain access to accounts to help my spouse or me if I...
by Sheepdog
Sat Jan 14, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Value of House in Planning for Retirement
Replies: 46
Views: 3057

Re: Value of House in Planning for Retirement

My house is paid off. I will always need to live somewhere so I don't consider my house when doing retirement planning. I think about how much money I will need if I live in a paid off house or condo. That was my thinking as well. However, I never expected to sell our house. We planned to live in t...
by Sheepdog
Fri Jan 13, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9142

Re: How much do you typically spend in a restaurant?

My wife and I usually eat out one night weekly. We spent an average of $69 an evening meal in 2016, including one cocktail each and gratuities. However, our most expensive dining was $140 for Valentine's Day, $142 for her birthday, and $108 near Christmas. Adding in entertainment like sporting event...
by Sheepdog
Tue Jan 10, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12133

Re: How Bad was 2008, really?

"Grt2bOutdoors" ------y.[- Always keep some dry powder on reserve, some folks say keep 6-9 months, in this regard, I disagree, better to keep enough to keep you afloat more than your neighbor - keep 2-3 years. Why? well if you need to ask that, then you need to read some more history. Good...
by Sheepdog
Tue Jan 10, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12133

Re: How Bad was 2008, really?

How bad was 2008? Were you accumulating? Were you senior and living off of your savings? There have been some good and interesting comments in answering your question. I will submit the near panic thread which I started on October 9, 2008 at the height of the collapse as my answer: Read https://www....
by Sheepdog
Sat Jan 07, 2017 4:16 am
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 5306

Re: What monetary value has your education provided you?

You can't use my earning and education cost history because my education cost was almost nothing. In the 1950s I went to the Univ. of Florida. If you were a Florida resident who passed the high school graduation examination with an appropriate score, you could attend a state university tuition free ...
by Sheepdog
Wed Jan 04, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help Elderly Person - Income generating with $1500
Replies: 19
Views: 1928

Re: Help Elderly Person - Income generating with $1500

Take a little of her backyard, 100 to 200 sq. feet, dig it up or pay a neighbor kid to dig it up for a vegetable garden, add a little fertilizer, plant some vegetable plants and seed, keep it watered, harvest it, eat some, can and freeze some and maybe sell a little left over. Repeat next year and t...
by Sheepdog
Sun Jan 01, 2017 9:39 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Holidays 2016 and Thank you!
Replies: 20
Views: 940

Re: Happy Holidays 2016 and Thank you!

We return you to the original program..

HAPPY NEW YEAR
by Sheepdog
Sat Dec 31, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: Spending during retirement
Replies: 9
Views: 924

Re: Spending during retirement

We live in a lower cost state, own a paid for home and maintain it, have 2 autos. Our in-retirement spending, including taxes (very little), travel and donations were as follows: 2016 year $52,767 (no big expense this time). I will add to that our New Years Eve, which is also our 56th anniversary, d...
by Sheepdog
Sat Dec 31, 2016 5:23 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205579

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

2016 results, 18th year in retirement.
Allocation...22% stocks... gave a total return of +6.73%
Distributions taken for expenses this year -1.93%.
Nest egg continues to grow. 8-)
by Sheepdog
Thu Dec 29, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 10793

Re: At what age, income, and NW would you buy a $50k car?

I wouldn't pay that much ever and I have been around awhile. For us, cars are for transportation only....reliable, yes, but transportation only. Well, I guess I could buy a $50k car, but only after it depreciated to a $30K or so price. (There was a time when I said I would never pay $3500 for a new ...
by Sheepdog
Wed Dec 28, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs CD vs Savings
Replies: 6
Views: 629

Re: I-Bonds vs CD vs Savings

Please realize that the I Bond present rate is good for 6 months only. It's rate can decrease or increase every 6 months as inflation changes.
by Sheepdog
Wed Dec 28, 2016 4:12 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7275

Re: How many of you invest 100% at Vanguard?

Taylor Larimore wrote:

In 1986 we moved all our securities from Merrill Lynch to Vanguard. It was the best financial decision we ever made.

Happy Holidays!
Taylor

,And,Taylor, you are the main reason that I started moving everything to Vanguard in 1999.
by Sheepdog
Wed Dec 28, 2016 3:59 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7275

Re: How many of you invest 100% at Vanguard?

Except for I Bonds and a few CDs, everything else is invested at Vanguard and has since 2000.
by Sheepdog
Sun Dec 25, 2016 3:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 7000

Re: My Christmas Gift to You.

Taylor, Merry Christmas and thank you for my life. I didn't have to speak German or Japanese, unless I volunteered to do so, because of young men and women like you. At Christmas 1944, I was an 11 year old boy, enjoying our freedom because of you. My family would listen to the radio in the living ro...
by Sheepdog
Sun Dec 25, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 6198

Re: How do you track your finances?

I use the discontinued Microsoft Money , in which I have a quarter century of personal financial data. If starting from zero today I'd make a different choice, but I can't go back in time and make a different choice then, and anyway, today's better choices weren't available 25 years ago. It's a cla...
by Sheepdog
Fri Dec 23, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I get some yield on my cash?
Replies: 16
Views: 1026

Re: Where can I get some yield on my cash?

VFSTX (VFSUX admiral) short term investment grade bond fund. I use that as "cash" including using checks for large purchases and to hold most of my 3 year in-retirement "safe cash" cushion. Yes it can lose a little, but it has had only 2 years with a loss in the last 33 years, an...
by Sheepdog
Mon Dec 19, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: FYI: Vanguard does not send an email for every account change
Replies: 4
Views: 683

Re: FYI: Vanguard does not send an email for every account change

I never use my email as confirmation that something happened at Vanguard. I actually wish I knew how to turn off the email confirmations, sometimes it's irritating. If I buy an ETF I get one email confirmation that I put in the order and then later I get another email confirmation that the buy happ...
by Sheepdog
Sun Dec 18, 2016 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How much cash do you keep?
Replies: 103
Views: 8666

Re: Retirees: How much cash do you keep?

I count a short term bond fund and bank accounts as "cash. I have lived off of savings and SS in 18 years of retirement so I am careful. Many here know of a conversation which I started in 2008 at the height of the market collapse https://www.bogleheads.org/forum/viewtopic.php?t=25126 which has...
by Sheepdog
Fri Dec 16, 2016 12:42 am
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13473

Re: How old is your vehicle?

2010 Ford Edge, 57,500 miles bought used in 2011
2007 Mercury Montego, 70,100 miles, bought used in 2008
Both great cars.
by Sheepdog
Thu Dec 15, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 5487

Re: Branch from our tree fell on neighbor's house ??

Normally, it is the responsibility the insurance of where the tree fell to do the repairs. If you took normal maintenance actions (which could be none), to maintain the tree while it was standing, you aren't responsible for how it fell. (or parts of it fell). where this can change is if the tree wa...
by Sheepdog
Sat Dec 10, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Recommendation for European vacation with young kids
Replies: 5
Views: 381

Re: Recommendation for European vacation with young kids

If I was to do that, I would take a European river cruise where families are catered and wanted. The kids could be entertained while the adults do there own things and you could share adventures with them as well Check Cruise Critic , the place where you can get recommendations.http://www.cruisecrit...
by Sheepdog
Fri Dec 09, 2016 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 75
Views: 4755

Re: Telephoning Vanguard

This conversation has me very concerned. I didn't realize that Vanguard's communication has changed so much over the years. I haven't called Vanguard for a lot of years, probably 10 to 15. There has been no need as everything I have ever wanted to do was completed by computer. Now I have to figure o...
by Sheepdog
Thu Dec 08, 2016 1:33 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal frequency
Replies: 12
Views: 979

Re: Withdrawal frequency

I live off of these withdrawals and SS. At the beginning of each year (retired 18 years ago), I follow my plan which determines the maximum amount I should take out that year. Then I take out as needed.
by Sheepdog
Tue Dec 06, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Digitizing old home movies...
Replies: 31
Views: 2979

Re: Digitizing old home movies...

You can search on line.
Here is one which I will be using: (8mm and super 8mm to DVD.) www.just8mm.com
Note: They have backup storage from which you can get more copies later
Cost per reel plus reasonable shipping charges
3" $8.99
5" $33.00
6" $47.00
7" $61.00
by Sheepdog
Thu Dec 01, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: The new normal: 2%, 3%?
Replies: 72
Views: 4600

Re: The new normal: 2%, 3%?

I can just say that my 18 year planned 4.5% average annual withdrawal, not adjusted for inflation, continues to work. The portfolio has grown in value allowing actual increases in dollar withdrawals.
by Sheepdog
Mon Nov 28, 2016 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: 3.10% Guaranteed 5 year Fixed rate annuity
Replies: 6
Views: 1178

Re: 3.10% Guaranteed 5 year Fixed rate annuity

I edited my original post with a link giving more information on this offer. This is it:

https://www.immediateannuities.com/defe ... num-5.html
by Sheepdog
Mon Nov 28, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: 3.10% Guaranteed 5 year Fixed rate annuity
Replies: 6
Views: 1178

3.10% Guaranteed 5 year Fixed rate annuity

I have purchased SPIAS thru ImmediateAnnuities.Com, a good reliable company. I received this email today which you may wish to investigate. I am not recommending it as it does not meet my goals....just passing it on for those of you who may be interested. Earn 3.10% Per Year Guaranteed For 5 Years* ...
by Sheepdog
Mon Nov 28, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 9481

Re: What was your Asset Allocation before and after retirement?

At retirement 18 years ago at age 65, I was at 57% stocks. I had never been higher than 62%. I decided on taking out an average of 4.5% a year of the amount I had invested on 12/31 each year. Note that I wrote average. If I did that, I would never run out. Some years it would be less or more, but I ...
by Sheepdog
Fri Nov 25, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 5187

Re: Thoughts on AA for the retired

In retirement we have lived off of investments and SS only.....no pension. Some of us who are retired live exclusively off of investments and SS...I do. I wanted to protect assets for the present, but have plenty of income, have enough growth to be able to increase withdrawals in the future. I am no...
by Sheepdog
Fri Nov 25, 2016 3:33 pm
Forum: Investing - Theory, News & General
Topic: What is your personal rate of inflation?
Replies: 35
Views: 4189

Re: What is your personal rate of inflation?

I have tracked our spending since retiring in 1998. What was our "personal inflation rate"? We lived in the same house during this period. We took vacations regularly, purchased automobiles regularly, enjoyed life. Our annual in retirement spending history, not including income taxes : 199...
by Sheepdog
Sat Nov 19, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house for your college kid?
Replies: 46
Views: 3870

Re: Would you buy a house for your college kid?

My boss bought an inexpensive fixerup house for his son at college with the stipulation the son would live there, rent a room or two, and restore the home with the stipulation that the home would be sold after graduation with the original house cost returned to the father and any profit would go to ...
by Sheepdog
Wed Nov 16, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8436

Re: Cannot get myself to spend my savings

Most of us who are educated and who work hard are going to die with TOO MUCH money in our bank accounts. I know retirees who have great pensions with no mortgage and very little expenses still try and save as much money as they can. Well guess what? That’s kind of counterproductive, because saving m...
by Sheepdog
Tue Nov 15, 2016 5:04 am
Forum: Investing - Help with Personal Investments
Topic: I'm up 4.95 percent YTD, is that any good??
Replies: 32
Views: 3426

Re: I'm up 4.95 percent YTD, is that any good??

Look at this way. In 18 years in retirement, I have taken out an average of 4.59% every year and had an average return in those years of 5.30% even with some good size downturns, so my nest egg grew. If I had earned your 4.95% as an average in all of those years, wouldn't I still be okay? You're not...
by Sheepdog
Sun Nov 13, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Age 92 Dad Wants to Boost stocks
Replies: 52
Views: 5174

Re: Age 92 Dad Wants to Boost stocks

My kids would never listen to me so why should I listen to them now. It's my money after all. Go seniors, gooooooo. :beer
by Sheepdog
Sun Nov 13, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: paying medical premium with credit card
Replies: 16
Views: 1421

Re: paying medical premium with credit card

Will not take a credit card without fees:

Indiana American Water
City Sewage
Duke Energy
Medicare Advantage insurance companies
Vectren Gas
Garbage collector
Genworth LTC insurance
Federal and state income taxes
by Sheepdog
Sat Nov 12, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: 50% Increase in my Long Term Care Policy
Replies: 23
Views: 2692

Re: 50% Increase in my Long Term Care Policy

My wife, present age 76, has a Genworth (Indiana partnership ) LTC policy which increased it's annual premium 25% last month to $1549.78. It increased 19% last year to $1291.48, but that was the first increase since the policy initiated in 2005. When the policy started in 2005 the premium was $1085....
by Sheepdog
Fri Nov 11, 2016 3:48 am
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1443

Re: QCD Mechanics [Qualified Charitable Distribution]

For what it may or may not be worth: I have twice been told by Vanguard retirement specialists that writing my check on my IRA account to the charity is a valid QCD. Kiplinger's article agrees: "If you have check-writing privileges for your IRA, you can write a check to the charity." I've...
by Sheepdog
Thu Nov 10, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1443

Re: QCD Mechanics

r example, I believe I can have a money market fund in my IRA with check writing privileges. If so, I could just write checks to my charities. Okay, you can write a check, but how does Vanguard know that the check was made out to a verifiable charity? That has to be verified in order for Vanguard t...
by Sheepdog
Thu Nov 10, 2016 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1443

Re: QCD Mechanics

My instruction from Vanguard which I have followed for 15 QCDs this year from my IRA (I do not have a personal representative at Vanguard.) is to contact a retirement specialist at Vanguard by telephone. I specify from which investment and IRA account I wish to make the distribution. I give the nam...
by Sheepdog
Thu Nov 10, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1443

Re: QCD Mechanics

My instruction from Vanguard which I have followed for 15 QCDs this year from my IRA (I do not have a personal representative at Vanguard.) is to contact a retirement specialist at Vanguard by telephone. I specify from which investment and IRA account I wish to make the distribution. I give the name...
by Sheepdog
Wed Nov 09, 2016 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Just remember...stay the course.
Replies: 45
Views: 5934

Re: Just remember...stay the course.

Here’s some life-goes-on advice from Reformed Broker’s Josh Brown: “One thing to remember — 90% of the U.S. economy is based on the fact that tomorrow you will need to make the lunches and put the kids on the school bus ...Your dog will still need to be fed, and your family members will still need t...
by Sheepdog
Wed Nov 09, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Just remember...stay the course.
Replies: 45
Views: 5934

Re: Just remember...stay the course.

I am very, very freaked out right now. Please don't "freak out". Please don't. This too will pass. I was born during the Great Depression, went thru WWII and other wars, lived thru the Cold War when the world was close to destroying itself, went thru more recessions including the Great Re...
by Sheepdog
Sun Nov 06, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Grave marker for pet dog
Replies: 10
Views: 1385

Re: Grave marker for pet dog

I understand your grief. I have lost several pet companions in my lifetime, all of which I still love and miss in my heart and mind. If you Google "pet grave marker", you will find several good choices for memorials. When your loved companion dog dies If you bury him in this spot, he will ...

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