Search found 5234 matches

by Sheepdog
Tue Apr 23, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 3974

Re: At what age did you buy your first first class airplane ticket?

Please consider donating your miles to help people in need to travel for such things as to go for medical reasons among others. For Those Donating Air Travel. If you would like to donate your frequent flyer miles to the Red Cross, please contact your airline. The IRS recognizes the donation of airli...
by Sheepdog
Sat Apr 20, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3523

Re: Windows 7 end of support - Jan 14, 2020

I am using MS Money (the free sunset edition) and it has been working nicely on Windows 10 for the past year. I've had one issue and a backup cleared that up. If you setup the desktop correctly, it has many similarities to 7. If you stay with 2002 this might help https://answers.microsoft.com/en-us...
by Sheepdog
Sat Apr 20, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 23
Views: 1351

Re: USPS In transit Arriving Late

I hope so. Last year (December)I sent a package with programmed delivery date of 5 days (Indiana to Florida). It did not arrive then. Tracing said it was in Pittsburgh and would arrive in Florida in 3 days. It did not arrive then, but they said it would be in Winter Park in 2 days. It did not. Traci...
by Sheepdog
Sat Apr 20, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3523

Re: Windows 7 end of support - Jan 14, 2020

I still use Windows XP which is in a Dell Desktop from 2004. I do not use it for internet use. I use it daily for all financial matters using Money 2002. I copy all of those considerable files (22 years or more) twice a week via an Easy Computer Transfer Cable to a 2010 Toshiba laptop using Windows ...
by Sheepdog
Fri Apr 19, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 1669

Re: Is it worth renting a car in Vegas?

One reason to rent a car in Vegas is to escape the strip for awhile to see the desert scenery and especially see Red Rock Canyon. It can be a wonderful sight for you. https://www.redrockcanyonlv.org/wp-content/uploads/rrckeystone2017_vfin-web.pdf It is less than 20 miles away to the Red Rock Canyon ...
by Sheepdog
Thu Apr 18, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 4799

Re: Video Camera to check in on Elderly Parent

I don't want my "children" 55 AND 49 to have a video camera on me. If they need to connect, I have a cell (not smart) phone and a land phone. We have gripes though....They have smart phones, not landlines, but almost 90% of the time when we try to call them in the weekends and evenings, they set the...
by Sheepdog
Thu Apr 18, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Home Page for Your Computer:
Replies: 17
Views: 1179

Re: Home Page for Your Computer:

My home page is Google.com.
From there I can click directly to one of these these links: Firefox, Gmail, Bogleheads, Yahoo calendar, My Yahoo, MSN, my credit cards, Colts.com (Indy) or I can "Google" whatever.
by Sheepdog
Tue Apr 16, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14187

Re: In Laws Retirement Nest Egg

Ah but sheepdog, I must point out the inflation problem ... 800k in 1999 is equivalent to 1.2M today. You started with a good bit more than the OP's inlaws. And your nest egg today is down in real dollars from when you retired. You're still doing great :-) but I feel compelled to point out "real" v...
by Sheepdog
Tue Apr 16, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14187

Re: In Laws Retirement Nest Egg

Don't suffer. Your in laws are not likely to either. I retired 20 years ago with $800k, slightly more than your inlaws with no pension. I had a heart attack 3 months before retiring. I could not get LTC either. Oh, my God, how am I going to live? So, I took a trip to Scotland, Ireland and England. a...
by Sheepdog
Fri Apr 12, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4142

Re: Things to do in Indiana

Thank you for your thoughtful comments about your visit to my home state. I hope it was worth your while.
by Sheepdog
Tue Apr 09, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: Retirees: Are you annually spending in Real or Nominal Terms?
Replies: 63
Views: 3807

Re: Retirees: Are you annually spending in Rea sd Nominal Terms?

Sheepdog, how did you arrive at your formula of 4.5% rate? In 1998, the year I retired, the Trinity study was published. The 4% (rule) idea began then. We were discussing it a lot on the Vanguard Diehard Morningstar site (the predecessor to our Bogleheads). I did not like the idea of taking out an ...
by Sheepdog
Tue Apr 09, 2019 11:16 am
Forum: Investing - Theory, News & General
Topic: Retirees: Are you annually spending in Real or Nominal Terms?
Replies: 63
Views: 3807

Re: Retirees: Are you annually spending in Rea sd Nominal Terms?

Sheepdog thanks for sharing. Great to see how well your portfolio has help up despite a rough first decade! I'd be very interested in any more detail you'd care to share regarding your spending each year. What spending level did you start out at? How much did you adjust your spending down during th...
by Sheepdog
Mon Apr 08, 2019 3:59 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Are you annually spending in Real or Nominal Terms?
Replies: 63
Views: 3807

Re: Retirees: Are you annually spending in Rea sd Nominal Terms?

20 years retired living off of savings and SS. Expenses are not uniform, I think everyone retired would agree. What would you do when you purchase a new car one year and not the next.....or take a $20K cruise.....re-roof your house, etc. My "formula" is to take out an "average" of 4.5% per year. I h...
by Sheepdog
Sun Apr 07, 2019 7:55 am
Forum: Personal Investments
Topic: For those with most retirement savings in tax deferred accounts
Replies: 18
Views: 3002

Re: For those with most retirement savings in tax deferred accounts

Just to repeat what has been said, but show an example of RMDs and percent of investments spent. My traditional IRA RMD at my age (86) is 7.10%, but I spend only 4.5% of my investments on average. The excess RMD is saved in other places.
by Sheepdog
Tue Apr 02, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12625

Re: Folks in their 60s and above. What early investment on health do you recommend.

If I could offer you only one tip for the future, sunscreen would be it +1 Too many sunburns as a kid and throughout young adulthood has led to skin cancer tumor (surgery removal) and actinic keratosis. These are pre-cancerous skin lesions that I must get frozen off twice a year at the dermatologis...
by Sheepdog
Mon Apr 01, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: The real impact of inflation on Retired Folks?
Replies: 101
Views: 7900

Re: The real impact of inflation on Retired Folks?

Ask a long term retired person about how inflation has affected them and you will find different answers. Are they static in staying in the same home? Have they moved once or more? Do they have expensive tastes or do they spend frugally? Are they stay at home or do they like to travel more, eat out ...
by Sheepdog
Fri Mar 29, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: How much is a parking ticket where you live?
Replies: 23
Views: 1070

Re: How much is a parking ticket where you live?

$10. The main reason for parking fines downtown, which is adjacent to the University, is to try to prevent student parking there.
by Sheepdog
Fri Mar 29, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14253

Re: How often do you check your net worth?

Almost daily. On my Microsoft Money, I make entries (purchases mainly) almost daily. Net worth shows up automatically so I look at it many times and have for 20 years plus. (This net worth calculation includes only money and investments, not property, etc.)
by Sheepdog
Thu Mar 28, 2019 4:00 am
Forum: Personal Consumer Issues
Topic: How will you spend your retirement money?
Replies: 86
Views: 9607

Re: How will you spend your retirement money?

HOW AM i SPENDING MY RETIREMENT INCOME (20+ YEARS AND COUNTING DID you plan to live a better lifestyle than you do now? No, I hoped to maintain my lifestyle which was pretty good already. . DID you plan to travel? I had already enjoyed traveling before retiring such as the Soviet Union, Yugoslavia,...
by Sheepdog
Mon Mar 18, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: Retired Investors - Do You Keep Cash For Down Years
Replies: 107
Views: 8191

Re: Retired Investors - Do You Keep Cash For Down Years

I'm curious how you worded that, since I know you've been retired for some time: if you keep 3 to 5 years in "cash", is the rest in stocks? (disregarding social security and pensions). Or do you keep 3 to 5 years in "cash" and still have a 50/50 or 60/40, etc... portfolio on top of that? No, the re...
by Sheepdog
Mon Mar 18, 2019 10:53 am
Forum: Investing - Theory, News & General
Topic: Retired Investors - Do You Keep Cash For Down Years
Replies: 107
Views: 8191

Re: Retired Investors - Do You Keep Cash For Down Years

Because I do take withdrawals monthly for expenses I do keep in good market years an amount equal to 3 to 5 years of normal withdrawal needs in money market and short term bond funds so that I wont have to take from stock containing funds in a down year like in 2008-09. I didn't do that at the begin...
by Sheepdog
Sun Mar 17, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 8659

Re: Paris - Is It Safe?

We have a friend in Paris. She says the same thing about the U.S. She loves her town and is safe, she says, but the U.S.? she says in return, I am scared to go there.
So, we see what we see and hear what we hear, but not necessarily the same as others do.
by Sheepdog
Sat Mar 16, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 3681

Re: Amica hiked my insurance, thoughts on alternatives?

I shop around every few years to see if I can get lower rates, if rate increases are appreciable, I get quotes from the major, usually highly advertised companies, and from companies serviced by independent insurance agents. I have changed several times over the years.Interesting to me has been the ...
by Sheepdog
Sun Mar 10, 2019 3:37 pm
Forum: Personal Investments
Topic: Retirement investments
Replies: 17
Views: 1381

Re: Retirement investments

Another question, I will post new if I have to. What have you done with your checking and savings account. My wife ask that we put one of our kids on our checking account. What are you thoughts? My wife and I are older than you, so we have a different need. It is possible that we could both have a ...
by Sheepdog
Sat Mar 09, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback Re: Using OLT.com for tax filing?
Replies: 5
Views: 450

Re: Feedback Re: Using OLT.com for tax filing?

I have used OLT successfully for this year and the past three for me and for others which I have volunteered to do. It is fine for me, but you do have to know something about filing, for example, if you have a Schedule K1. It may not be as intuitive as others like Turbotax for the novice. I have no ...
by Sheepdog
Sat Mar 09, 2019 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Need good insurance company to buy a Single Premium Immediate Annuity (SPIA)
Replies: 13
Views: 1313

Re: Need good insurance company to buy a Single Premium Immediate Annuity (SPIA)

And, in addition to those recommendations.at ImmediateAnnuities.com and at 'Vanguard they will supply you with ratings of the insurance companies offering quotes to help with your decision.
by Sheepdog
Fri Mar 08, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: What I wish I had done - 20/20 hindsight
Replies: 28
Views: 4822

Re: What I wish I had done - 20/20 hindsight

As I age (now in early 70's), I sometimes think about things I did (or did not) over the years that were good and those that were not. I am very sorry that you have regrets. I too don't have life insurance. I certainly don't have any regrets that I do not. I did have term insurance when I had child...
by Sheepdog
Fri Mar 08, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Sports team season tickets
Replies: 45
Views: 4062

Re: Sports team season tickets

My Indy Colts season tickets (30+ years) have been for enjoyment. I have sold very few. One of which I did was when I sold two Patriots-Colts divisional play off game tickets when I was to take a Hawaii cruise. I made a little money, but not much as I refused to sell to Boston fans as I was too much...
by Sheepdog
Wed Mar 06, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: My average inflation for living expenses over 42 years
Replies: 16
Views: 2501

Re: My average inflation for living expenses over 42 years

What are the price ranges of your cars that you bought in 2009-2013, if you don't mind? I don't mind. We purchased later model used vehicles. Our last two, after trade ins if any, including 7% sales tax, cost: 2009 purchase: 2007 Mercury Montego $14, 646 (no trade in) 2011 purchase: 2010 Ford Edge ...
by Sheepdog
Tue Mar 05, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: My average inflation for living expenses over 42 years
Replies: 16
Views: 2501

Re: My average inflation for living expenses over 42 years

I calculated my average inflation over 42 years by comparing my expenses (without taxes) in 1976 vs 2018. On average, my expenses increased 2.7% per year over this 42 year time span. I had expected this number to be higher. Has anyone else done the same calculation over a long time period? Yes, sor...
by Sheepdog
Mon Mar 04, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 3550

Re: Convince aging parents to pay for snow removal

And Dear Sheepdog: Thank you for not walking on your roof anymore! RM Thank you. I won't go on the roof in the future either. How about the crawl space---it's real low. My lady says I must go down there or hire someone to clean out the dryer exhaust. I won't hire someone, but I'll wait till spring ...
by Sheepdog
Mon Mar 04, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 3550

Re: Convince aging parents to pay for snow removal

I am pretty sure you don't have arthritis, balance issues, and a heart condition. (I don't think I would have even bothered to shovel 3". One to two feet is a different matter.) No, no arthritis, but I did have a heart attack at 65 with a resulting angioplasty, vein stripping both legs after attemp...
by Sheepdog
Mon Mar 04, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 8513

Re: Why do you live where you live?

4 colleges and universities. This is where I lived since 1972, worked in and retired in, within 100 miles from large cities such as Chicago, Indianapolis, Cincinnati, St. Louis but those are not the real reason. My wife of 59 years does not want to move.....so what can I do?
by Sheepdog
Mon Mar 04, 2019 6:21 am
Forum: Personal Investments
Topic: Saving Once in Retirement
Replies: 32
Views: 3169

Re: Saving Once in Retirement

21 years retired living off of SS and savings, but no pension. I don't call this saving, but maintaining in retirement while spending for everything I want to spend, as I do have 40% more (nominal) than when I retired.
by Sheepdog
Mon Mar 04, 2019 5:40 am
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 3550

Re: Convince aging parents to pay for snow removal

Let me put it my way. I am close to 86 and I do my snow removal (mixture of shovel (20%) and blower). (I shovel all under 3 inches.) I do all of my lawn work on a half acre lot. I never have hired anyone to do either or almost anything else involving house maintenance. I would never accept my sons o...
by Sheepdog
Mon Mar 04, 2019 1:03 am
Forum: Personal Investments
Topic: How do annuity payers and pension companies know when you die?
Replies: 25
Views: 1985

Re: How do annuity payers and pension companies know when you die?

Personally I have it written in my "Final Instructions" for my survivors when I die to contact, among other entities: SS, bank, annuities, investment firms...
by Sheepdog
Sun Mar 03, 2019 4:56 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4397
Views: 1145803

Re: What Movie Have You Recently Watched?

Today I will be seeing "Gone With The Wind" on it's 80th anniversary. I can't guess how many times I have seen it since I first saw it in Atlanta during it's early showings at the Fox Theater in 1939 with my Mom and Sister. I was 6. I still enjoy seeing it. It is interesting that I can remember that...
by Sheepdog
Sat Mar 02, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 589
Views: 45366

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

I am surprised at all the angst. My flagship select rep called me today to advise. I told him that never used and would not miss it, I shredded all my Vanguard checks last year. Don’t want a checking account tied to my Vanguard accounts for security reasons. Prefer to keep my checking accounts at b...
by Sheepdog
Tue Feb 26, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 7406

Re: Who does their own taxes?

This is my 68th year filing taxes and never hiring anyone, including when I had tax shelters which required several other-than-normal schedules. (Tax shelters sold to me by a stock broker for their benefit, not mine..) (That is when I got rid of stockbrokers and went to no-load mutual funds, and lat...
by Sheepdog
Mon Feb 25, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4142

Re: Things to do in Indiana

I've lived in Indiana most of my life--if you are in the southern portion of the state, then here are some suggestions: Bloomington is a college town and is a cultural oasis for the state. You should stroll through the campus and enjoy the restaurants downtown. If you like coffee, Hopscotch makes t...
by Sheepdog
Sat Feb 16, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 15935

Re: Tributes to Jack Bogle

Money Magazine, March 2019 issue has a very nice article on page 70 titled "THE PATRON SAINT OF INDEX FUNDS....REMEMBERING JACK BOGLE", by Pat Regnier John C. "Jack Bogle, who founded the Vanguard Group and revolutionized the way millions of Americans save and invest, died on Jan. 16. Bogle's best-k...
by Sheepdog
Sat Feb 16, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 7534

Re: Did you get spooked by the December 2018 fall and gave up on passive?

Not at all as that fall was negligible. 2007-08 was bad. 1930s? that was brutal. If I was invested in that Depression. I would have been so depressed, i would have probably not been invested any longer. (In that latter, my father lost everything....house and everything else and went to prison becaus...
by Sheepdog
Sat Feb 16, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Do you tell your beneficiaries?
Replies: 69
Views: 4350

Re: Do you tell your beneficiaries?

My children know which of our investments and real estate will go to them directly in equal amounts to each; and they know which ones will go to charities. They say that is fine with them. Of the charities, the one which will receive our real estate has been advised (and they have been advised that ...
by Sheepdog
Tue Feb 12, 2019 8:51 am
Forum: Personal Investments
Topic: Holding too much cash now?
Replies: 34
Views: 3997

Re: Holding too much cash now?

Off the subject...sort of...just browsing this morning was this article which says that some traders have gone to cash [quote ]Traders With $515 Billion Boycott Stocks for Cash Despite Rally [/quote] https://www.msn.com/en-us/money/markets/traders-with-dollar515-billion-boycott-stocks-for-cash-despi...
by Sheepdog
Fri Feb 08, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Living comfortably in retirement"
Replies: 71
Views: 8976

Re: "Living comfortably in retirement"

Not in order Adequate savings to last our life time and more while having it continue to grow so that it can do some good after passing. Adequate savings to enjoy occasional big trips and other vacations Adequate savings to enjoy nice restaurants every week. Adequate savings to enjoy theater, ballet...
by Sheepdog
Wed Feb 06, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 7821

Re: If you are old, why bother with rebalancing!!?

... and I still watch my allocation balance. OK, when was the last time you rebalanced by exchanging from one asset class to another? And why did you do that? (I am not talking about withdrawing.) I said I watched my balance regularly because it is there.. The last time I did rebalance? I don't rem...
by Sheepdog
Wed Feb 06, 2019 7:59 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 7821

Re: If you are old, why bother with rebalancing!!?

livesoft wrote:
Tue Feb 05, 2019 1:27 pm
HueyLD wrote:
Tue Feb 05, 2019 1:24 pm
Since when is age 62 considered old?

My definition of old is for those older than I am.
Mine, too. :)
Same here and I am 85, so I'm not old and I still watch my allocation balance.
by Sheepdog
Sat Feb 02, 2019 12:19 pm
Forum: Personal Investments
Topic: vanguard total market index funds
Replies: 5
Views: 429

Re: vanguard total market index funds

Wellllll, I bought total stock market this week. If you sold yours, I bought yours.
by Sheepdog
Sat Feb 02, 2019 12:19 pm
Forum: Personal Investments
Topic: vanguard total market index funds
Replies: 5
Views: 429

Re: vanguard total market index funds

delete