Search found 4334 matches

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: 150
Views: 28032

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: 1713

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: 1546

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: 1089

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: 137
Views: 8112

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: 1132

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: 1413

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: 1413

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: 1016

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: 2138

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.
by Sheepdog
Mon Aug 15, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Old Age and Expensive Dental Work
Replies: 9
Views: 1041

Re: Old Age and Expensive Dental Work

Medical and dental treatments are not accepted subjects at this website, so will likely be locked. Anyway, your question and possible answers are personal. Some would say yes, if it makes you feel better, and some would say no. In my case, my dentist suggested 2 years ago at 81 that I have an impla...
by Sheepdog
Mon Aug 15, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Old Age and Expensive Dental Work
Replies: 9
Views: 1041

Re: Old Age and Expensive Dental Work

Medical and dental treatments are not accepted subjects at this website, so will likely be locked. Anyway, your question and possible answers are personal. Some would say yes, if it makes you feel better, and some would say no. In my case, my dentist suggested 2 years ago at 81 that I have an implan...
by Sheepdog
Mon Aug 15, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: bifiocals vs progressive lenses - value/cost
Replies: 20
Views: 1242

Re: bifiocals vs progressive lenses - value/cost

I have used progressive trifocals for about 7 years since having cataract surgeries and new lenses (Jebmke, I also had severe astigmatism previously) after having regular bi and trifocals for 40 years or so. I was told that I would have difficulty in the transition to progressive, but I never did. I...
by Sheepdog
Sun Aug 14, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in Retirement
Replies: 14
Views: 2397

Re: Cash in Retirement

How do you use the cash portion of your portfolio? We have a 50/50 stock/bond&cash allocation with 3 years in of the bond side in bank accounts and the rest of the bonds in intermediate duration. So at the beginning of the year when it is time to draw that years money I'm wondering do you use t...
by Sheepdog
Sat Aug 13, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1651

Re: Sealing Asphalt Driveway

It's about 4 feet long by 2 feet wide on the asphalt driveway - not connected to concrete. It gathers mud/dirt after a hard rain. hanks for the suggestion on the asphalt, I'll go pick some up and try it out If if is shallow then the asphalt will not work. It has to be at least 2 to 3 inches or more...
by Sheepdog
Sat Aug 13, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1651

Re: Sealing Asphalt Driveway

I still recommend that. I did that driveway on schedule again in June 2015 using 7 pails of quality sealer and it looks like it was done this year. Jim[/quote] Hi Sheepdog, any recommendations for filling in a "dip" in the driveway that gathers a puddle?[/quote] Yes, how difficult and how...
by Sheepdog
Sat Aug 13, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1651

Re: Sealing Asphalt Driveway

I received a private message from Grt2bOutdoors that another asphalt driveway sealing thread has started. It seems I have that reputation, including from Miriam. Anyway, look at that conversation link which was provided above from 2011 to see the entire conversation . In the meantime, here is what I...
by Sheepdog
Sat Aug 13, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 7873

Re: Are you on Facebook?

I am on Facebook only for a few charity contacts and to keep in touch with high school classmates. (Yes, some, a few or whatever, are alive and can still remember each other.) I have used it to search for old friends and lovers... sigh......
by Sheepdog
Sat Aug 13, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: how get money at retirement
Replies: 11
Views: 2608

Re: how get money at retirement

No other assets such as taxable investments, CDs, etc?
by Sheepdog
Sat Aug 13, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Vacuum Cleaners?
Replies: 25
Views: 1251

Re: Vacuum Cleaners?

Kenmore Progressive 31069 ($200), a Consumer Reports bagged upright best buy. I bought this one in late 2014. It is great, especially for hard to pick up pet hair.
by Sheepdog
Sat Aug 13, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Medicaid qualification - allowed assets
Replies: 13
Views: 1235

Re: Medicaid qualification - allowed assets

spammagnet, I found this instruction from a law firm in Lakeland, FL which agrees with what you have learned for Florida residents. Read it carefully on wording. Also, there are some items which could be highlighted.. I highlighted a couple which impressed me.. How to Draft and Use DRA Compliant Pro...
by Sheepdog
Fri Aug 12, 2016 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Medicaid qualification - allowed assets
Replies: 13
Views: 1235

Re: Medicaid qualification - allowed assets

I can't reply for Florida, but I can say that a "loan" would not be allowed in my state to cover Medicaid spend down and look back. That "loan" or look back gifts would have to be returned if it was within a 5 year period according to my attorney (elder law) when our revocable tr...
by Sheepdog
Thu Aug 11, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 137
Views: 7521

Re: How much vacation time do you get at work?

It's terrible. I don't get any vacation time. No time off at all. Retirement isn't as great as everyone thinks it is.
by Sheepdog
Mon Aug 08, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: SWR and Current/Future Cash Flows
Replies: 23
Views: 1577

Re: SWR and Current/Future Cash Flows

About the longevity number: I have a couple underlying health issues and a family history that led me to that very optimistic number. If I see 84+, it will be cause to celebrate. Past performance means nothing for the future. My father died of natural causes at 59. I had a heart attack 2 months bef...
by Sheepdog
Mon Aug 08, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: How important is it to have a will?
Replies: 16
Views: 1452

Re: How important is it to have a will?

You didn't ask about durable power of attorney or living will. Surely you want those regardless of your other assets....besides $340k is a lot of money. Personal opinion, get them all.
by Sheepdog
Mon Aug 08, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 2771

Re: Do you have a handyman?

finite_difference wrote:
Sheepdog wrote:He is me. He is I.


Yes but how much do you charge per hour?


For me, nothing. For you,too much.
You see, for me yard work and chores are personally rewarding. But for you, it would be work and I am expensive if I work.'
by Sheepdog
Sun Aug 07, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 2771

Re: Do you have a handyman?

He is me. He is I.
by Sheepdog
Sat Aug 06, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Contingent beneficiaries: Simultaneous Death- both spouses? (Will v. Trust)
Replies: 5
Views: 565

Re: Contingent beneficiaries: Simultaneous Death- both spouses? (Will v. Trust)

Yes, wills are needed to cover such an event. Include money and property distribution. Care of minor children would be included, of course. Don't forget healthcare and power of attorney to cover not only death, but incapacity of one or both. A trust with a will and other care documents may be best.....
by Sheepdog
Sat Aug 06, 2016 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Personal Decline & Investing
Replies: 12
Views: 1916

Re: Personal Decline & Investing

Yes, I have thought of that since I was 65, (now a month from 83,) Having a spouse who will not even use a computer makes it more concerning. I did simplify my investments, set most bill payments on automatic, set RMDs on automatic, recently bought fixed term SPIAs for automatic income to go along w...
by Sheepdog
Fri Aug 05, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: order of withdrawal in retirement
Replies: 10
Views: 1637

Re: order of withdrawal in retirement

My order of withdrawal was for tax saving reasons. (Retired almost 18 years) First, I took my pension as a lump sum and rolled it over to an IRA and would not use it until RMD. Second, I converted a portion of my IRAs to Roths while taxes were lower and before RMDs. Before RMDs, I withdrew from taxa...
by Sheepdog
Fri Aug 05, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Switching to Medicare -- cost vs health insurance
Replies: 22
Views: 1036

Re: Switching to Medicare -- cost vs health insurance

In addition to Celia's comments, go to Medicare.Gov where you can get Medigap and Part D prescription plan rates for where you live. Where you live affects the costs. You will also pay the current Medicare premium. Mine is $104.90 per month, but yours should be higher. I wrote this recently which ma...
by Sheepdog
Fri Aug 05, 2016 1:33 am
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4314

Re: Where to find common items that last "forever"

I installed a Sears electric garage door opener in 1975. Still works perfectly...just replaced the controllers a couple of times (low priced). Lots of tools and garden utensils I have are over 50 years old. I even have an ax from my father which is 90 years old. Quality wood furniture lasts decades ...
by Sheepdog
Thu Aug 04, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: How are taxes different after retirement?
Replies: 39
Views: 3344

Re: How are taxes different after retirement?

How are taxes different after retirement? How much did you have at retirement? How much taxable investments and income will you have after retirement? If you can reduce taxable investments, increase tax deferred and tax free investments significantly, you can pay much less. Just before retiring, the...
by Sheepdog
Wed Aug 03, 2016 5:15 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 13857

Re: are the markets overvalued? Are Grantham/Hussman etal correct?

But lets run with the year 2000 (1999?) where you said it didn't work. Who says 4% withdrawals haven't worked for people retiring in 2000? Obviously, we haven't gone the full 30 years yet, but 4% has worked fine for a conservative AA so far. The quick turn-arounds of the two crashes helped a lot. A...
by Sheepdog
Mon Aug 01, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 169433

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

Okay, portfolio update, 7/31, 22% stock allocation, +6.68%. Since we live off of this, what we take out is important too, so.... Withdrawals for spending to date only -1.52%.
Staying positive :moneybag
by Sheepdog
Mon Aug 01, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Vacation loans
Replies: 37
Views: 3272

Re: Vacation loans

Have never borrowed except for home and 3 cars in my lifetime.
by Sheepdog
Mon Aug 01, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2035

Re: Microsoft is still offering free Windows 10 upgrades

And to think there are millions of us still using Windows XP without Msoft support and are working just fine.
by Sheepdog
Mon Aug 01, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2035

Re: Microsoft is still offering free Windows 10 upgrades

THE VERGE http://www.theverge.com/2016/8/1/12340318/microsoft-windows-10-free-upgrade-still-available wrote this today< Microsoft's free upgrade offer for Windows 10 ended last week, or did it? The software giant has introduced a "free upgrade offer extension" for Windows 7 and Windows 8.1...
by Sheepdog
Mon Aug 01, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2035

Re: Microsoft is still offering free Windows 10 upgrades

smartinwate wrote: We know they're not in the business of being philanthropic; so what's in it for them?


Good point. Why?
by Sheepdog
Fri Jul 29, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1897

Re: Never owned a cell phone.

Curious. Why was it important to tell us that? Did someone give you a hard time. Hope not. Anyway, I have a cell phone, used no more than twice a year...have for emergency use only on the road..a great safety factor. I bought a smart phone in early 2015 and because it did not make me smarter, I stop...
by Sheepdog
Fri Jul 29, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 52
Views: 2153

Re: Preparing financially for our funerals - prepay or not?

My mother prepaid her funeral. She specified everything exactly the way she wanted...nothing expensive...just enough. Since I lived many miles away it was a blessing for me to have everything pre-arranged. My wife and I haven't done that, but we agree that after the first has passed, the survivor wi...
by Sheepdog
Thu Jul 28, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection
Replies: 34
Views: 1362

Re: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection

4 way intersection, no signs or signals? I would always assume any other drivers will not stop, so I wait until I know can get thru safely (clear or waved thru). I never assume what any other driver will do. I only know what I will do.
by Sheepdog
Sun Jul 24, 2016 4:31 pm
Forum: Investing - Theory, News & General
Topic: Declining or Rising equity allocation in retirement?
Replies: 110
Views: 7109

Re: Declining or Rising equity allocation in retirement?

First, they no longer have any labor capital that can replace losses. Second, their ability to absorb the stomach acid that large losses bring, which is often accompanied by panic selling, tends to decrease with age. Third, even if they can avoid panicked selling, they must still deal with the emot...
by Sheepdog
Sat Jul 23, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: Very strange discovery on Google [use tracking/privacy]
Replies: 23
Views: 3614

Re: Very strange discovery on Google

Have you looked at your Google Account page where you can "Control, protect, and secure your account, all in one place My Account gives you quick access to settings and tools that let you safeguard your data, protect your privacy, and decide how your information can make Google services work be...
by Sheepdog
Thu Jul 21, 2016 11:22 am
Forum: Investing - Theory, News & General
Topic: wishing the market would drop to buy more shares
Replies: 36
Views: 3110

Re: wishing the market would drop to buy more shares

Toons wrote:

Patience,You will eventually get your wish granted. :happy


Yes indeed.....Sigh
(Why isn't there a emoticon for sigh?
by Sheepdog
Thu Jul 21, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Where to Put MRD Proceeds
Replies: 9
Views: 780

Re: Where to Put MRD Proceeds

I use short term investment grade bond fund (VFSTX and VFSUX) for mine. Relatively safe and is having better than MM or CD return.
by Sheepdog
Thu Jul 21, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 123
Views: 8315

Re: What kind of car do Bogleheads like to drive?

My first car was a used 1947 Ford convertible purchased in 1953 for $295 borrowed from a loan company ($50 down).....the first auto owned by anyone in my family. My present car is a 2010 Ford Edge (spouse's is a 2007 Mercury Montego) and in between I have owned mostly Ford or Mercuries with occasion...
by Sheepdog
Tue Jul 19, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Most economical overseas travels
Replies: 22
Views: 1976

Re: Most economical overseas travels

Off season anywhere is usually less expensive. At the last minute even more so. Search. Our ridiculously really best last minute deal (2 weeks notice)was an off season middle October 2001 7 day luxury ship cruise from Istanbul to Athens, ocean view cabin, round trip airfare from Indiana included, 3 ...
by Sheepdog
Tue Jul 19, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4684

Re: Who do you not tip, and why?

gd wrote:
Sheepdog wrote: I have tipped moving van personnel so that they may be more careful.

Which, presumably, needs to be done beforehand (as maybe a few other things people are naming). So, more like bribe. :D

Of course, but before and after. It works :P
by Sheepdog
Sun Jul 17, 2016 11:54 pm
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3135

Re: OrlaIndo Disney Parks

I lived there. It is miserable in August if you are not used to it and even if you are used to it, it is still miserable. If is hot.... If you are mentally ready for that, you will be fine. Take time to relax, cool off, rest. Use sunscreen all day.

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