Search found 4154 matches

by Sheepdog
Tue May 03, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 30
Views: 3656

Re: I Bond rates for May 1 announced

My mother told me that way back in the day during WWII when she was in elementary school, kids would bring in a small amount of money per week to accumulate to purchase bonds. It was quite a thrill when a kid finally received that very official-looking paper bond. A good civics lesson, as well as t...
by Sheepdog
Fri Apr 29, 2016 9:50 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 90
Views: 4170

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Bourbon...yes. Straight up or in Manhattans
Scotch...yes. Single malt straight up or blend in Rob Roys
by Sheepdog
Tue Apr 26, 2016 10:22 pm
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3320

Re: BH Way of Landscaping?

I will be planting a couple hundred annual flowering plants Consider perennials :-) Thanks, but I do have nice size perennial gardens, maybe 800 sq. ft. or so.. I don't have to plant those every year, only thin them out, although I may add some of something which are not as hardy here to survive ev...
by Sheepdog
Tue Apr 26, 2016 7:18 am
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3320

Re: BH Way of Landscaping?

Landscaping horticulture covering about a half acre has been my hobby and enjoyment since becoming a home owner so taking care of everything personally is not a chore. In my employment years, horticulture was my therapy. The only landscaping service I have paid for has been tree removal and rare lim...
by Sheepdog
Tue Apr 26, 2016 6:40 am
Forum: Personal Finance (Not Investing)
Topic: If not Children - Who/What Leave Estate To?
Replies: 27
Views: 2524

Re: If not Children - Who/What Leave Estate To?

Our 2 sons, who do not have children, will receive equally our Roth IRAs, CDs, I Bonds, and cash (which are about half of our monetary savings). Our traditional IRAs will go to charities. Personal assets like autos, jewelry, etc. will go to our sons and daughter-in-law. Our real estate will be given...
by Sheepdog
Mon Apr 25, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Have any of you overextended on housing? What were your experiences?
Replies: 42
Views: 3653

Re: Have any of you overextended on housing? What were your experiences?

I, nor my spouse, would ever overextend on a house. That was never in our nature. We were very happy living in a modest home in a safe neighborhood. It was debt intolerance mainly. We could entertain in a smaller home as well as in a large home. Our children were happy in our modest neighborhood in ...
by Sheepdog
Sun Apr 24, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 45
Views: 2739

Re: How many "subscriptions" do you have?

Cable tV ($100/mo) 2 newspapers ($44/mo) Frontier land telephone and DSL ($65/mo) Tracfone annual <$100) Money magazine ($10/yr) Kiplinger magazine ($10/yr) Consumer Reports and CR Health National Geographic ($19 annual) AARP Community Theater season tickets ($100 + donation) NFL (Colts) season tick...
by Sheepdog
Sat Apr 23, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Million? [Will I get there]
Replies: 41
Views: 5134

Re: Million? [Will I get there]

You will get there, get that million, but that may not be worth as much as it may seem when you get there. You all know that a million today will not be worth as much in 20 years. Inflation will take it's toll. Look back in time to see what happened ....only $58,800 in 1940 would be worth a million ...
by Sheepdog
Fri Apr 22, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Good source of taxes by state in Retirement?
Replies: 7
Views: 996

Re: Good source of taxes by state in Retirement?

This site has good information on state taxes: Retirement Living Information Center http://www.retirementliving.com/taxes-by-state. Click on a state to get the info.
by Sheepdog
Wed Apr 20, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone done a Mature Driver Course for Insurance discount
Replies: 11
Views: 665

Re: Anyone done a Mature Driver Course for Insurance discount

I'm finally taking one, a 4 hour course, in July, sponsored by AARP and my bank. It's past time. The cost is 15 dollars after my AARP sponsorship donation. There will be an insurance discount next year, they say.
by Sheepdog
Wed Apr 20, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: What do you wish you had known in your early 20's?
Replies: 46
Views: 4173

Re: What do you wish you had known in your early 20's?

In MY early 20s? Really? What do I wish I had known? In my late teens and early 20s I thought I knew everything. You couldn't tell me anything in my early 20s, maybe my drill sergeant or company colonel could, but nobody else. Trial and error, especially the latter, was enough.
by Sheepdog
Wed Apr 20, 2016 3:19 pm
Forum: Investing - Theory, News & General
Topic: Should you follow the 4% rule?
Replies: 23
Views: 2721

Re: Should you follow the 4% rule?

Once again, my story on this issue..... The 4% withdrawal "rule", was a guide when I retired in 1998. 4% helped in planning in that a calculation helped to determine if I had enough saved especially since I would not have a pension. There's no way that I would have a set withdrawal percent...
by Sheepdog
Tue Apr 19, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 2643

Re: Progressive or Geico?

Neither Progressive of Geico for me based on quotes from several companies
GEICO was 13% higher and Progressive was 42% higher than my present bill from AARP/Hartford. All quotes so far are higher than my present...some were double!!
by Sheepdog
Mon Apr 18, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Complication donating Vanguard mutual fund to charity
Replies: 21
Views: 1441

Re: Complication donating Vanguard mutual fund to charity

This from Boglehead's Wiki https://www.bogleheads.org/wiki/Donating_appreciated_securities Donating securities at Vanguard To donate mutual funds with Vanguard, go to Forms,( https://personal.vanguard.com/us/literature )then under "Change of Ownership", select "Giving Fund Shares to O...
by Sheepdog
Sun Apr 17, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4069

Re: How Did You File Your Income Taxes for 2015?

I have always completed my returns personally. In early years (before computers) it was by hand. 2015 was using a link from my state's free efile system where I could complete state and federal returns free. This year it was OLT (Online Taxes). The free software I used the previous 3 years was Tax ...
by Sheepdog
Sun Apr 17, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4069

Re: How Did You File Your Income Taxes for 2015?

I have always completed my returns personally. In early years (before computers) it was by hand. 2015 was using a link from my state's free efile system where I could complete state and federal returns free. This year it was OLT (Online Taxes). The free software I used the previous 3 years was Tax S...
by Sheepdog
Sat Apr 16, 2016 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Joint checking/savings account question
Replies: 3
Views: 562

Re: Joint checking/savings account question

On the advice of our estate attorney in case we both died together or the survivor of us was incapacitated or even if we both were incapacitated at the same time we added one of our sons, the one who will be the trust executor, to our checking account and safety deposit box. The checking account was...
by Sheepdog
Fri Apr 15, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 10113

Re: When was the most stressful financial time in your life?

Mine was as a kid. I must have been 5 or so. My mom was in tears because she had to empty out mine and my sisters piggy banks to pay for food, gas, I don't know. She died when I was 13 but that memory makes me wish I could go back, give her a hug and let her know it's OK. One day. You may have just...
by Sheepdog
Thu Apr 14, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 1675

Re: Where to buy part F Medicare?

As other's have said, all F supplements are the same. I was quoted $144/mo by AARP, but was able to buy it for $104 from another provider (Tennessee Farm Bureau). I ended up buying G, which is the same as F except it does not cover the $147/year deductible. But it cost me $87/mo, so I saved $207/ye...
by Sheepdog
Thu Apr 14, 2016 9:52 am
Forum: Investing - Help with Personal Investments
Topic: OK to spend Roth funds early in retirement?
Replies: 13
Views: 2177

Re: OK to spend Roth funds early in retirement?

It's okay, but is it advisable? When I started taking distributions from retirement savings 17 years ago, I took from taxable first until I was 70.5 years old so as to reduce future taxes, plus I did some conversion from traditional IRAs to Roths in that period as well. In later withdrawal years, if...
by Sheepdog
Thu Apr 14, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 1675

Re: Where to buy part F Medicare?

AARP's Medigap policy is fine, so are there many others. Have you gone to Medicare.gov at https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx to research plans? Go there to find the best one that fits you and don't be afraid to research again in later years (at least until you have a &q...
by Sheepdog
Thu Apr 14, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 10113

Re: When was the most stressful financial time in your life?

The most stressful which stands out is when I wrote here on October, 9 2008 at the peak of the last major crash which you can read at https://www.bogleheads.org/forum/viewtopic.php?t=25126 I have been retired for 10 years. I am one who has said over and over again. Stay the course. Look for the long...
by Sheepdog
Thu Apr 14, 2016 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Estimating Medicare supplement insurance premium
Replies: 4
Views: 323

Re: Estimating Medicare supplement insurance premium

Medigap costs vary from company to company and what you want in them and where you live. Plus, will you want prescription plans? What deductibles will you want----$100 or $2000. And, 15 years from now, as you said, all bets are off. From Medicare.gov, Costs of Medigap Policies https://www.medicare.g...
by Sheepdog
Wed Apr 13, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6444

Re: Retirees: what's your Withdrawal Rate for this and last year?

At 70.5 the withdrawal can bump up significantly due to taxes. This is more of a gradual thing. The starting RMD is about 3-4% of your sheltered account balance, right? Say taxes are 1/3rd of that...probably less for most...but I get your overall point that for rock solid security, your initial SWR...
by Sheepdog
Tue Apr 12, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance rate hike issue
Replies: 15
Views: 1109

Re: Auto insurance rate hike issue

Yes, try other quotes. Answer the interview truthfully, but don't volunteer. I am presently insured with AARP Hartford also and have been for 5 years. My rate went up 8.2% this year, but it went up 25.4% last year. (no violations, no claims. In fact, I have never had a ticket or claim ever in my lon...
by Sheepdog
Tue Apr 12, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6444

Re: Retirees: what's your Withdrawal Rate for this and last year?

Wouldn't spending dividends be the same as a withdrawal? That would be my thought as well. I have not seen any withdrawal rate analysis that excluded dividends from the withdrawal rate. I consider dividends spent as withdrawals. If I save the dividends or invest them in something else, that is not ...
by Sheepdog
Tue Apr 12, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6444

Re: Retirees: what's your Withdrawal Rate for this and last year?

I live off of savings and SS. My withdrawal rate varies year to year, with an original plan to average 4.5%. My withdrawal in 2011 was 7.52%, 2012 it was 3.18%, 2013 it was 4.28%,, 2014 it was 5.12% and in 2015 it was 3.61%. Over 17 years the average is close to the original plan.. Right now it appe...
by Sheepdog
Tue Apr 12, 2016 10:56 am
Forum: Local Chapters and Bogleheads Community
Topic: 50,000 Members
Replies: 26
Views: 2431

Re: 50,000 Members

Fantastic accomplishment. The number of persons assisted is much larger than the number of members. Consider that the predecessor of Bogleheads, Morningstar's Vanguard Diehard forum, was founded by Taylor Larimore and others over 18 years ago on March 19, 1998. Thank you Taylor, Mel and the others f...
by Sheepdog
Tue Apr 12, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contribution withdrawal seen as early withdrawal
Replies: 8
Views: 924

Re: Roth IRA contribution withdrawal seen as early withdrawal

Welcome to Bogleheads. This is copied from Vanguard's website. I suggest you contact Vanguard. Through a Roth recharacterization, you either change a contribution from a Roth IRA to another type of IRA or nullify a previous Roth conversion. It's as if the contribution or conversion never occurred in...
by Sheepdog
Mon Apr 11, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 319805

Re: What Movie Have You Recently Watched?

Watched The Big Short last night. I enjoyed the story and the presentation very much, but the constant barrage of "F" and "S" words spoiled it for me. Yeah...I'm old fashioned. edit: And the movie's story was updated today : Goldman Sachs Group Inc has agreed to pay $5.06 billion...
by Sheepdog
Sat Apr 09, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: If premiums on your LTC policy doubled, would you still pay? Still keep it?
Replies: 11
Views: 949

Re: If premiums on your LTC policy doubled, would you still pay? Still keep it?

That said my wife has a policy with one of the more highly rated LTC insurance companies. Her premiums increased about two years ago by about 25%. If the price continues to rise at some point we might bail. However if she cancels the policy she purchased a rider that guarantees a paid up policy wit...
by Sheepdog
Sat Apr 09, 2016 6:24 am
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 3552

Re: How often does your credit card # get stolen?

mfswatz9 wrote:Never. And I use multiple cards all the time. Just lucky, I guess.

Same here. In 50 years, with multiple cards, charging in person, on line, by mail, telephone, at domestic and international locations, never once. How come? :confused
by Sheepdog
Thu Apr 07, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Owe on state taxes - send in voucher?
Replies: 8
Views: 662

Re: Owe on state taxes - send in voucher?

I guess each state is different. When I owe to my state, which is every year for me, I must print out the voucher and send it to them with my check. I will send my 2015 tax due on April 13, so I wait until the last minute, as you see. I can't have it automatically deducted from my checking account. ...
by Sheepdog
Thu Apr 07, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Cruise trip - Money saving tips
Replies: 32
Views: 2584

Re: Cruite trip - Money saving tips

Lots of great info here: http://www.cruisecritic.com Their forum is fantastic and will usually have lots of discussion specific to the cruise you are planning, especially with respect to shore excursions. Absolutely, go to cruisecritic.com first to look at your specific cruise. That should make it ...
by Sheepdog
Wed Apr 06, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs and state tax
Replies: 12
Views: 625

Re: QCDs and state tax

In my state, state income tax is based on my federal adjusted gross income. Since a QCD is not part of the adjusted gross income, it is not taxed statewise.
by Sheepdog
Wed Apr 06, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 6807

Re: Are you planning to leave an "estate"?

Are we planning to leave an "estate"? Yes and no. The main plan for us is to have enough to last our lifetime and not be a burden for anybody. So far, so good. However, if I have to go to a long term care facility and that would last LONG term, all bets are off. Outside of that, we could h...
by Sheepdog
Mon Apr 04, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: Credit card changes and how do merchants find out?
Replies: 4
Views: 563

Re: Credit card changes and how do merchants find out?

drawpoker wrote:How were you paying for the Sirius radio contract? Yearly, quarterly, monthly?

Yearly. The last time I paid was April 2015 with a different CC number.

And, To CRUISER, thank you for that information. I did not know about that.
by Sheepdog
Mon Apr 04, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Credit card changes and how do merchants find out?
Replies: 4
Views: 563

Credit card changes and how do merchants find out?

Today, I was going to cancel my Sirius radio contract which was to be credit card charged on 4/11. I thought that they did not have the Visa card number which I am now using. When I visited the Sirius website before canceling I found that they had on their file my new Visa credit card number and exp...
by Sheepdog
Mon Apr 04, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor Touts a 6% Guaranteed Return Investment
Replies: 8
Views: 971

Re: Financial Advisor Touts a 6% Guaranteed Return Investment

If it sounds too good to be true...........(You fill in the rest of the words)
by Sheepdog
Mon Apr 04, 2016 1:54 am
Forum: Investing - Help with Personal Investments
Topic: What to do with excess income after retirement!
Replies: 7
Views: 1464

Re: What to do with excess income after retirement!

Isn't there a favorite organization (educational, charitable, etc) which needs you to help them succeed and grow? I am talking about your time and money. That can be enjoyable for you and help you tax wise. Your wealth and skills are so very much needed. “Doing things you're passionate about, with a...
by Sheepdog
Fri Apr 01, 2016 8:03 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 826
Views: 128984

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

As of midnight, 3/31/16 my 23% stock allocation return is 2.80%. Are you saying that Vanguard had already updated your month-end dividends for your bond funds by midnight? Simply amazing (if true)! Vanguard had all month ending fund interest and dividends reported before 6am this morning. My Micros...
by Sheepdog
Fri Apr 01, 2016 7:51 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 826
Views: 128984

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

As of midnight, 3/31/16 my 23% stock allocation return is 2.80%.
by Sheepdog
Thu Mar 31, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Name one good, Name one bad thing YOU experienced [that saved money]
Replies: 37
Views: 3010

Re: Name one good, Name one bad thing YOU experienced

Bad thing. In my early years of saving and trying the stock market, I would panic and sell with a downturn (more than once) and swearing to never invest in the market again and instead buy saving bonds CDs. I told the broker that I don't understand the stock market. Actually that bad decision lasted...
by Sheepdog
Wed Mar 30, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 122
Views: 7030

Re: Which Engineering Discipline for the next 20+ years !!!

This is a listing of 2015 accepted STARTING salaries for graduates from Rose-Hulman Institute of Technology (Terre Haute, Indiana) Major. ..................... Average Rose-Hulman Accepted Salary Biomedical Engineering.....$63,375 Civil Engineering.............$58,303 Chemical Engineering........$67...
by Sheepdog
Wed Mar 30, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 5704

Re: What is your current Cash to Investment ratio?

I'll give you my definition of "cash". Holdings in retirement which are non volatile and I consider safe.. Checking....................0.76% CDs..........................3.50% Short term bond fund .....4.07% SPIA (present est, value)11.05% I Bonds.....................18.96% TOTAL.............
by Sheepdog
Tue Mar 29, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anuity or Equities
Replies: 5
Views: 604

Re: Anuity or Equities

You say you are worried about market volatility in your planning. What is your asset allocation? Perhaps you have too high of a stock allocation to make you comfortable? Keeping money invested should not be "rolling the dice". Investing should not be equated to gambling, should it? Investi...
by Sheepdog
Mon Mar 28, 2016 3:17 am
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 5926

Re: Anyone else feeling a correction brewing?

Merriam-Webster Dictionary definition of "Hunch"
1: jostle, shove
2: to thrust or bend over into a humped or crooked position


A hunch looks very uncomfortable and could hurt a lot. I would stay away from those .
by Sheepdog
Sun Mar 27, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ibonds as LTC
Replies: 2
Views: 501

Re: Ibonds as LTC

My I Bonds purchased at the great 3.0% to 3.6% fixed interest rate portion from 2000-2002 are now planned to be my LTC insurance. (I was turned down when I attempted to purchase an insurance policy way back when.) I won't need the I Bonds for any other purpose now. Today's low rates are obviously no...
by Sheepdog
Sun Mar 27, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 10450

Re: Financially, how have you done/doing vs. your parents?

My parents, born in 1896 and 1902, never owned anything beyond a house, and they lost one and everything else in The Depression. My mother had an 8th grade education, but my father was a high school graduate (11 years back then.) They never owned an automobile in their lives. My Dad, who died in 195...
by Sheepdog
Sat Mar 26, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 65
Views: 6202

Re: 2 Buckets or 3 Buckets in Retirement??

Now well into my 80s, I only want one bucket which doesn't leak or can tip over easily, so I invest conservatively (now 23% in stocks) and keep 5 years of future withdrawals in it not affected by stock market performance. In my years in retirement, my bucket has not rusted and started leaking, and ...

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