Search found 4733 matches

by Sheepdog
Wed Nov 15, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Regrets after reaching retirement?
Replies: 42
Views: 4086

Re: Regrets after reaching retirement?

30? 30? At 30 I was still a baby. That was too early to have regrets.....Okay, I did, but personal stuff, not occupation wise. At that age I was only 3 years from graduating college. (Previous I had been in the Marines mainly and no regrets about that.) I was working hard as a young engineer, marrie...
by Sheepdog
Tue Nov 14, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 19
Views: 1459

Re: Mozilla Firefox Donations?

Thank you for your comments. I did make a donation and will over the year.
by Sheepdog
Tue Nov 14, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 19
Views: 1459

Mozilla Firefox Donations?

Mozilla Firefox often asks for donations, but I never have given. I wondered why I should. I am asking the forum today because Firefox issued an upgrade of which they are saying connections are much faster. I agree that it is faster after my download this morning. Do some of you donate? Should we? I...
by Sheepdog
Tue Nov 14, 2017 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7557

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

You, sir, are an inspiration. Thank you for sharing your experience and for your thoughtful post. Sorry you and your family are dealing with this disease. RetiredWithDementia, I am in my mid 80s and I am conscious of my shortcomings and your way of battling your disease is indeed an inspiration for...
by Sheepdog
Mon Nov 13, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 3788

Re: Growth of Medicare Advantage enrollment

I hate Medicare Advantage !! I am now in a Medicare Advantage Group PPO for 11 days and today found acceptable Medical G & Part D plans to purchase. I was put into the MA account as a retiree of a Fortune 10 or so company. I understand it saves them money. I also know that the drug plan that came w...
by Sheepdog
Mon Nov 13, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: How do you project the amount you will have to spend annually in retirement?
Replies: 76
Views: 4040

Re: How do you project the amount you will have to spend annually in retirement?

When I retired I did not attempt to project how much I could spend. I projected how much I could SAFELY spend in any given year knowing the amount would be different each year based on investment performance and balancing spending needs and wants. The plan: I would have Social Security plus I could ...
by Sheepdog
Sat Nov 11, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 75
Views: 8282

Re: Retirees: I got this!!

I was reasonably comfortable with my financial well being, living off of SS and savings (very much less than a million, by the way), until my 11th year in retirement. Then that changed.... The Great Recession broke that confidence quite a bit. For example, I lost a year's worth of normal distributio...
by Sheepdog
Sat Nov 11, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: U. S. Marine Corps Birthday
Replies: 13
Views: 807

Re: U. S. Marine Corps Birthday

I wasn't a Marine, but served in a different branch of service. Every year we went on a training exercise vs the Marines in a national forest east of Camp Lejune. Nobody told us that the Marines had airplanes. As we walked down a fire road with a swamp on each side of the road, I felt a sudden stro...
by Sheepdog
Fri Nov 10, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: U. S. Marine Corps Birthday
Replies: 13
Views: 807

Re: U. S. Marine Corps Birthday

flamesabers wrote:
Fri Nov 10, 2017 12:23 pm
Happy birthday to all past and present marines! :beer
Sheepdog wrote:
Fri Nov 10, 2017 9:02 am
November 10, 2017 marks the Marine Corps’ 142nd birthday -- please join me in wishing the Corps a HAPPY BIRTHDAY.
I think it should be 242nd birthday.
A slip of my finger. Thanks, I corrected it and added something else.
by Sheepdog
Fri Nov 10, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: U. S. Marine Corps Birthday
Replies: 13
Views: 807

U. S. Marine Corps Birthday

From their debut in 1775 when the Second Continental Congress passed a resolution creating “two Battalions of Marines be raised,” to the mountains of Afghanistan and the deserts of Iraq, the United States Marine Corps has earned the world’s respect as an elite and reliable fighting unit wherever put...
by Sheepdog
Thu Nov 09, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34230

Re: Did you tell anyone you paid off your mortgage?

Yes, I did. It was common for people to tell others good news. How many "congratulations" I have said of mortgages having been paid off I don't know, but several. It is not telling my financial being, in my opinion. It just says that you paid off your mortgage of x years and it is nice to get rid of...
by Sheepdog
Wed Nov 08, 2017 4:41 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4702

Re: What do you do to keep your mind sharp?

Who says my mind is sharp? I work at it so that my wife will stop calling me Dummy..... ;-)
by Sheepdog
Tue Nov 07, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Target Date retirement allocation too aggressive?
Replies: 20
Views: 1616

Re: Vangaurd Target Date retirement allocation too aggressive?

You have already received good replys. You may like to read this US News report How To Evaluate A Target Date Fund at https://money.usnews.com/investing/funds/articles/2017-09-27/how-to-evaluate-a-target-date-funds-glide-path Here is one part similar to what has already been written here: Choose a g...
by Sheepdog
Tue Nov 07, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you?
Replies: 35
Views: 2539

Re: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you?

Supposedly Global Wellington went live and I was told by my account manager they started to invest (that was as of 11/3). Surprisingly, the share price remains at $25 even. Doesn't make sense unless they still haven't invested. According to Yahoo, the share price on 11/2 was $25 before trading star...
by Sheepdog
Tue Nov 07, 2017 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you?
Replies: 35
Views: 2539

Re: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you?

Supposedly Global Wellington went live and I was told by my account manager they started to invest (that was as of 11/3). Surprisingly, the share price remains at $25 even. Doesn't make sense unless they still haven't invested. According to Yahoo, the share price on 11/2 was $25 before trading star...
by Sheepdog
Tue Nov 07, 2017 2:05 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 39
Views: 3882

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

runner26 wrote:
Mon Nov 06, 2017 3:44 pm
I voted on first contact and have not heard from them about the issue since.
ditto
by Sheepdog
Mon Nov 06, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7557

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

3) Being very resistant to e-delivery of statements. I know I'm going to get beaten up on this by the millennials, but I continue to feel that paper statements that arrive in the mail are a very important safety net--and that state treasurers are going to get a windfall in about ten years as people...
by Sheepdog
Mon Nov 06, 2017 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7557

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

I agree. I have 2 income producing mutual funds within both my and my wife's traditional and Roth IRAs and only a short term bond fund in a taxable account...not including 3 CDs and some I Bonds, so this simplicity puts me in decent shape in this regard. Plus everything financial wise is written dow...
by Sheepdog
Fri Nov 03, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 3548

Re: How has your AA philosophy changed over the years?

Most of my life I didn't trust the stock market so I didn't buy any. Bank CDs and Savings Bonds were my king. Then I read some magazines and obscure investment books and I bought some stocks in my early 50s. Then the October1987 crash happened and then I knew I really didn't trust the stock market. ...
by Sheepdog
Fri Nov 03, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 3548

Re: How has your AA philosophy changed over the years?

Hevensky wrote:
Fri Nov 03, 2017 3:54 pm
Taylor, what a nice note. You made my day. Thank you.

Harold Evensky
Welcome, Mr. Evensky. That was a nice first post to thank our wonderful mentor.
by Sheepdog
Fri Nov 03, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7496

Re: Does Retirement Make You Lazier?

The older I get, the more I want to do in the yard, the house and volunteer; and the more I want to give to charities because I have earned more than I care to spend for normal expenses.
Retirement is great.
by Sheepdog
Thu Nov 02, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2826

Re: Do you Mow your own Lawn?

Yes, I mow my half acre with a gas walk behind push mower. Always have. Great exercise. Saves lots of money too.
by Sheepdog
Wed Nov 01, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 30
Views: 3598

Re: I Bond fixed rate 0.10% [November rate announced]

FOR THOSE WITH THE SAVINGS BOND WIZARD IT CAN BE UPDATED TODAY.
Looking at my May 2000 I Bonds, it is great that they will begin earning 6.12% next month. What a great safe rate in today's low interest environment. Thank you again and again, Mel, for teaching me back then.
by Sheepdog
Mon Oct 30, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: QCD
Replies: 5
Views: 555

Re: QCD

You have correct answers. Perhaps Morningstar's QCD video may be of assistance to you. http://beta.morningstar.com/videos/818615/A-Better-Way-for-Retirees-to-Give-to-Charity.html Again, as you stated, you must be 70.5 years or over to take advantage of QCD . This is only for IRAs------only for peopl...
by Sheepdog
Sun Oct 29, 2017 11:58 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Boglehead.org
Replies: 24
Views: 1984

Re: Thank you Boglehead.org

Teague wrote:
Sat Oct 28, 2017 4:16 pm
^^^^ And that guy right above is a huge part of what this place is all about and why it is here. Thank you Mr. Larimore!
Yessssss!
by Sheepdog
Sun Oct 29, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5757

Re: Retirees: which websites do you spend the most time on?

Bogleheads
Yahoo sites
Morningstar
MSN
3 newspapers
3 credit cards
NFL
Indianapolis Colts
You tube
by Sheepdog
Sun Oct 29, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 14886

Re: What was the main reason you retired?

Because 65 was when it was expected at that time, at least in my company it was.
by Sheepdog
Sat Oct 28, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 9958

Re: Emotional impact of spending down assets?

A financial advisor that I have used in the past argues that people are divided into savers and spenders and most of the individuals who are on this thread are likely savers and will try to continue to be during retirement - somewhat explaining the angst they have when they see assets going down du...
by Sheepdog
Fri Oct 27, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1042
Views: 252366

Re: Best watch for around $5,000?

How about buying this Rolex? A Rolex, costing about $300 when new in the 80s, given to Paul Newman by Joanne Woodward and which he subsequently gave away in 1984 to his daughter's boyfriend sold at auction today, 10/27/17, for $17,752,500. http://www.marketwatch.com/story/paul-newmans-daughters-coll...
by Sheepdog
Fri Oct 27, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2461

Re: RMD distribution timing

About 2/3 of my RMD (which will be 6.78% next year) goes to annual planned QCDs (qualified charitable distributions) spread over the year. The remainder is taken out in January to be added to my taxable short term investment grade bond fund for expenses as needed and is part of my safe haven fund. N...
by Sheepdog
Thu Oct 26, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 9958

Re: Emotional impact of spending down assets?

1210sda wrote:
Thu Oct 26, 2017 1:56 pm


I'm working hard on not being fearful.

1210
Please remember that when you are retired and living off of your savings and the markets have dropped 35% in the last month and continue to drop for weeks more to a 50% drop and still going down. Let me tell you it is tough not to be fearful then.
by Sheepdog
Thu Oct 26, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 9958

Re: Emotional impact of spending down assets?

The thought I'm contemplating is a 10 or 15 year SPIA with about half of my portfolio in early retirement. I'll still get a "paycheck" and watch the other half of my portfolio grow (hopefully!) and not worry as much about spending the money. Once the annuity expires I can reevaluate health and expe...
by Sheepdog
Thu Oct 26, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 9958

Re: Emotional impact of spending down assets?

Ron Scott, Sandtrap, et al....give it up on helping your octogenarians. We in our 80s and 90s are The Depression era kids. We will do what we want to do, when we want to do it, if we want to do it, and do it cheaply if we do it at all.
by Sheepdog
Thu Oct 26, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 9958

Re: Emotional impact of spending down assets?

This conversation may really be of value for some. Interesting that there is a discussion. At retirement I worried about what would happen if we spent down our assets too early. As an 84 year old married to a 77 year young lady some of your comments fit us. We have not changed our spending habits......
by Sheepdog
Tue Oct 24, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 11042

Re: Can one have too much money in tax-deferred

Here is a my point of view, which many of you have read from me before...I am not in the group of the very high invested people here so my writeup may not fit them. In my first 5 years in retirement to save on future taxes, I spent from taxable accounts, increased tax deferred, and converted to Roth...
by Sheepdog
Mon Oct 23, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 242
Views: 68380

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

linenfort wrote:
Mon Oct 23, 2017 2:02 pm
Great thread but, nearly a decade later I can't believe this vague subject title has no bracketed addendum explaining what it's about.
Let me try to change it after these years. Is this better or worse?
by Sheepdog
Mon Oct 23, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 16574

Re: Annuity is not guaranteed

I did read from others here about the effect inflation causes to an annuity. The value of $2000 per month payout today is worth much less 20 years away. What I didn't read was that an annuity is not guaranteed. The insurance company could go out of business. Several could go out in a national or in...
by Sheepdog
Mon Oct 23, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 242
Views: 68380

Re: I can't believe I am thinking this

Short Term Investment Grade Bond Fund . . as in Vanguard VFSUX ? Do you consider Vanguards money market, VMFXX to fit the category of "safe accounts"? I'm not as versed in the practicalities of "fixed term" SPIA vs (forever with "mortality credits") non-fixed SPIA's but I think that's another threa...
by Sheepdog
Mon Oct 23, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 242
Views: 68380

Re: I can't believe I am thinking this

I've been having similar thoughts. :( Please define "safe" accounts in your context, if you don't mind? Money market, CD, Total Bond? Thanks for the help. j Sandtrap. Thanks for your comment. My present "safe accounts" are comprised of cash, shorter (under 5 year) term CDs, short term investment gr...
by Sheepdog
Mon Oct 23, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 242
Views: 68380

Re: I can't believe I am thinking this

Just read this thread, and wow is all I can say! Since this hasn't been bumped in more than a year, I thought there might be a few retirees who might benefit from reading the valuable experiences shared here. Perhaps with the market regularly setting new all-time highs, it would be a prudent time t...
by Sheepdog
Sat Oct 21, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: New for Vanguard!
Replies: 28
Views: 3839

Re: New for VANGUARD!

Does anyone know how much overlap there will be in global wellington between the US stocks it will hold and the US stocks held in the US version of Wellington? Will they be the same stocks - only in smaller amounts. :? I do not know. I expect that because the management teams for the Global edition...
by Sheepdog
Sat Oct 21, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: New for Vanguard!
Replies: 28
Views: 3839

Re: New for VANGUARD!

Does anyone know how much overlap there will be in global wellington between the US stocks it will hold and the US stocks held in the US version of Wellington? Will they be the same stocks - only in smaller amounts. :? I do not know. I expect that because the management teams for the Global edition...
by Sheepdog
Fri Oct 20, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5197

Re: I have to fire someone that I care about personally

I read your revised post and understand why you are perplexed. She is always on time and generally comes prepared, is a nice person and a team player, and has a great voice. All important things. However her looks and even more importantly her lack of stage presence are honestly the weakest link in ...
by Sheepdog
Fri Oct 20, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 IRS tax information
Replies: 28
Views: 4133

Re: 2018 IRS tax information

You can find the 2018 tax brackets for the different filing statuses(single, married filing jointly, etc.) and the 2018 Standard Deduction amounts plus other tax information in this Forbes article released today: https://www.msn.com/en-us/money/taxes/irs-announces-2018-tax-brackets-standard-deductio...
by Sheepdog
Wed Oct 18, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: New for Vanguard!
Replies: 28
Views: 3839

Re: New for VANGUARD!

Is it the Wellington and Wellesley names that are the attraction? What if they were the Smith and Jones funds? As of now, they are just two new funds with familiar names with no holdings or history. I wouldn't be in any hurry to buy. It is Wellington Management, the firm which manages the Wellingto...
by Sheepdog
Wed Oct 18, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 10091

Re: how long did it take to get used to retirement

It took no time for me. Running my retirement finances and in-retirement life, instead of running my factory, became my new business. I budgeted my time like during my business life. I watched utilization of assets like in business. I had my home and other assets to maintain. (I just didn't have mai...
by Sheepdog
Fri Oct 13, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Father passed away - what to do with fund accounts
Replies: 7
Views: 1172

Re: Father passed away - what to do with fund accounts

Who is the Executor? Is there a will or a trust? How were those assets titled? How is the house title held? Was there any life insurance? That will help direct you.... For example, if it was all joint with Mom, then she gets it. If it was in an IRA, who are the beneficiaries? The mortgage passes wi...
by Sheepdog
Fri Oct 13, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7396

Re: How many miles/years do you keep your car?

For the last 25 years I set a goal of buying used autos less than 15 month old and hold for about 10 years. My wife's present car is a 2007 Mercury Montego model purchased in 2008 and we expect to purchase another in Jan-Feb 2019 when some 3% CDs mature. It will have less than 85K miles at that time...
by Sheepdog
Wed Oct 11, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 1905

Re: I Bond fixed rate mystery

Maximum was $30K and you could charge them on a credit card. Gill AND, if you bought them at the end of the month you got interest for the entire month. AND, to show the power of compounding. $10,000 worth of $500 I bonds (3.6% fixed component) purchased in June 2000 are worth $27,144 today. :money...
by Sheepdog
Mon Oct 09, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: An audience with Jack Bogle:
Replies: 2
Views: 513

Re: An audience with Jack Bogle:

Thank you for the post. It is a short article, but a good one looking inside of a small amount of Mr. Bogle's present thoughts, especially in regards to ETFs: Bogle believes the company he founded will wrestle the title of the world's biggest asset manager away from BlackRock due to Fink’s dependenc...