Search found 4418 matches

by Sheepdog
Tue Dec 06, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Digitizing old home movies...
Replies: 31
Views: 2792

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: 4284

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: 1102

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: 1102

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: 7980

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: 4227

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: 3200

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: 3682

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: 8038

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: 3334

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: 4872

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: 1292

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: 2603

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: 1294

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: 1294

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: 1294

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: 1294

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: 5815

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: 5815

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: 1334

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 ...
by Sheepdog
Thu Nov 03, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Question for the Retired
Replies: 27
Views: 3247

Re: Personal Finance Question for the Retired

Some change spending habits in retirement, but ours didn't in my 18 years enjoying such. I have tracked our spending since retiring in 1998. We lived in the same house during this period. We took vacations regularly, purchased automobiles regularly, enjoyed life. We did donate more to charities as w...
by Sheepdog
Thu Oct 27, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3406

Re: How do you make your Martini?

In my young days, a Martini was ONLY made with gin. Later, someone suggested a Vodka Martini, but a Martini was only made with gin. In my mind, it is a Martini is ONLY with gin, and only dry. If you want a Vodka Martini, then ask for that, but don't expect Vodka when you ask for a Martini. A perfect...
by Sheepdog
Sat Oct 22, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: Complete this sentence
Replies: 17
Views: 1386

Re: Complete this sentence

You know you're a successful investor when you have invested your savings for decades; and, after living off of those savings in retirement for more decades, you have had everything that you and your family ever needed and had some investment growth for future generations.
by Sheepdog
Fri Oct 21, 2016 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Does your bank charge for paper statements?
Replies: 26
Views: 1767

Re: Does your bank charge for paper statements?

cheese_breath wrote:No. If it did I'd look for a new bank.

Same here. And, my bank does not charge for new checks either. (One of my senior perks.)
by Sheepdog
Mon Oct 17, 2016 5:55 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512089

Re: What Movie Have You Recently Watched?

Me Before You This was a surprisingly beautiful movie. The actors were a perfect tandem and complimented each others roles. It was a wonderful experience about what life really is. It is sad and joyful at the same time. It is especially for anyone who can leave the exploding bombs, burning cars and...
by Sheepdog
Thu Oct 13, 2016 12:04 am
Forum: Investing - Theory, News & General
Topic: Retirees: Where are you going for income?
Replies: 102
Views: 14255

Re: Retirees: Where are you going for income?

For the last few years I use these to supply present spendable income as they supply all of our needs plus some: Social Security Wellesley (total return) SPIAs Short term investment grade fond fund I have other investments, but they don't supply present income, and probably never will, except maybe ...
by Sheepdog
Mon Oct 10, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Tattoo Costs and Removal
Replies: 39
Views: 3459

Re: Tattoo Costs and Removal

I was curious, so I looked online. It isn't cheap when you have MDs involved: How Much Does Tattoo Removal Cost? Here are answers from multiple surgeons.
" https://www.realself.com/question/how-m ... moval-cost
by Sheepdog
Sat Oct 08, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: Retirees: What are your passions?
Replies: 56
Views: 6440

Re: Retirees: What are your passions?

Number 1...take care of my wife.
Number 2...Keep as healthy as I can (exercise and walk at least 4 miles a day) so that I can do number 1.
Number 3...Keep up my finances so that I can do 1 and 2.
by Sheepdog
Fri Oct 07, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Join AARP
Replies: 56
Views: 3237

Re: Join AARP

I have it and like it. If I don't like the political stuff in the magazine or news print, so what? I don't necessarily like other printed or over the air network stands either. It is good see all sides. I like some of their senior stands though and I support them if I do. I have received many hotel,...
by Sheepdog
Fri Oct 07, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Paint peeling off in ceiling
Replies: 23
Views: 1143

Re: Paint peeling off in ceiling

@sheepdog - There is attic above the ceiling. I think, it's important to find the cause of the issue before trying to fix it. Any suggestions on how to find the cause? You, or a contractor,will have to go into the attic with a good light source, clear away insulation above the leak probably and loo...
by Sheepdog
Fri Oct 07, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Paint peeling off in ceiling
Replies: 23
Views: 1143

Re: Paint peeling off in ceiling

It does look like a water leak in the ceiling.....roof? water pipe?
What is above the shower? Another floor? attic?
It does look like you may need drywall repair. You may need to cut out a piece to look for the source if you cannot go into the space above.
by Sheepdog
Thu Oct 06, 2016 3:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads over age 75, who are you?
Replies: 5
Views: 1126

Bogleheads over age 75, who are you?

Hi, I was thinking of Taylor Larimore after he sent his message about Hurricane Matthew on how much he has meant to my financial health. I believe he is the senior in age Boglehead. Is it 91 Taylor? I was trying to remember. I know you are the senior contributor and co founder of the Bogleheads. Tha...
by Sheepdog
Wed Oct 05, 2016 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Interest Checking Account - Credit Union
Replies: 20
Views: 1661

Re: Interest Checking Account

That's a lot of hoops to go thru to get 4.59%. That isn't easy for me. I have had similar high interest checking accounts, and it really isn't easy. Miss one thing, one day, and you don't get anything. Earn 3.09% APY* on balances up to $10,000 Complete at least 12 Debit/Check Card point-of-sale purc...
by Sheepdog
Wed Oct 05, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Desktop vs. Laptop Computer
Replies: 56
Views: 4430

Re: Desktop vs. Laptop Computer

I have an old Dell desk top (12 years old Windows XP) and a newer Toshiba lap top (4 years old Windows 7). Each one has all of my records in memory; for example.pictures, financial records (Microsoft Money), calendars, documents, email accounts....everything. I can make additions on one of them and ...
by Sheepdog
Wed Oct 05, 2016 4:11 pm
Forum: Investing - Theory, News & General
Topic: Adjusting the x% spending rule
Replies: 27
Views: 2694

Re: Adjusting the x% spending rule

It is not a "rule", it is a guide. I don't see how anyone can follow a mechanical rule. Anyway, spending is variable in retirement . +1 ... As a retiree, what concerns me are not the usual recurring annual expenses, but rather the affordability of a one time large cash purchase. For examp...
by Sheepdog
Tue Oct 04, 2016 2:31 pm
Forum: Investing - Theory, News & General
Topic: Adjusting the x% spending rule
Replies: 27
Views: 2694

Re: Adjusting the x% spending rule

It is not a "rule", it is a guide. I don't see how anyone can follow a mechanical rule. Anyway, spending is variable in retirement. Especially if you are living off of your retirement fund you should watch your balance and be careful on how much you take out. In my 18 retirement years, I h...
by Sheepdog
Tue Oct 04, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: credit during retirement
Replies: 5
Views: 680

Re: credit during retirement

Nor have I had any problems with new credit cards in my 18 retirement years. I have not obtained any mortgages or purchased an auto on credit (I pay cash for cars) however. I do know of several retirees who had no problem with obtaining low interest mortgage loans.
by Sheepdog
Mon Oct 03, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage 2017 Rates, premiums, etc.
Replies: 16
Views: 1748

Re: Medicare Advantage 2017 Rates, premiums, etc.

dm200 wrote:I thought that the 2017 Medicare Advantage premiums, and other details are normally available by now. Any idea when to see them?

Medicare.gov shows that the 2017 plans are available to compare now.
by Sheepdog
Mon Oct 03, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage 2017 Rates, premiums, etc.
Replies: 16
Views: 1748

Re: Medicare Advantage 2017 Rates, premiums, etc.

I have Anthem BCBS advantage. I have not received my notification yet. They told me Friday that it was in the mail. My wife has Humana advantage. Her monthly premium went down from $79 to $73. Inpatient hospital care (In-network) copay went from $295 to #345 per days for days 1 to 6. Ambulance servi...
by Sheepdog
Mon Oct 03, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 41
Views: 3029

Re: Roadside assistance Programs

I have AARP Roadside Assistance. Good for both of our cars and any car we are riding in. I have paid for about 6 years or so $44.25 per year, but they have tried to increase and I refused to pay an increase, so they kept me at that price. They currently advertise "Plan Starting at $69.95. 24 Ho...
by Sheepdog
Fri Sep 30, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Do you object to your children selling raffle tickets?
Replies: 33
Views: 1488

Re: Do you object to your children selling raffle ticktes?

I don't look at raffles for causes as gambling. I don't expect to win anyway so it is a charitable gift. I sold raffles and stuff even when I was a kid in the late 40s and early 50s. My kids did also, although I don't remember any raffles, but they could have. I would rather have a raffle than havin...
by Sheepdog
Fri Sep 30, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6078

Re: Where/how do Bogleheads get their tires inflated?

Stupendous wrote:Home compressor. Love my air tools :D

Same here.
by Sheepdog
Thu Sep 29, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Pension buy outs ???
Replies: 34
Views: 3812

Re: Pension buy outs ???

die-tryin wrote:got offer

52k lump now (gross amount)


$243. now for life

$996 @ 65yr

You said you were in your mid 40s. What is it precisely?
I'm assuming that the quotes are not adjusted for inflation. Correct?
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: 58
Views: 3017

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: 74
Views: 6195

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: 86
Views: 5851

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: 86
Views: 5851

[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: 3130

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: 3130

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 ...

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