Search found 4666 matches

by Sheepdog
Fri Sep 22, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 88
Views: 4882

Re: Age you retired

I retired at 65 in 1998. Here are some past polls to compare: 2016 https://www.bogleheads.org/forum/viewtopic.php?t=195657 2014 https://www.bogleheads.org/forum/viewtopic.php?t=134823 2008 https://www.bogleheads.org/forum/viewtopic.php?t=12457 (In this poll only 8 out of 132 retired at 65 or later)
by Sheepdog
Tue Sep 19, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 192
Views: 20008

Re: Calling out the not so rich bogleheads

First of all, we are not all rich as this Net Worth survey of over 1300 Bogleheads in 2015: shows. You may be interested in that. The original thread with comments can be found here: https://www.bogleheads.org/forum/viewtopic.php?t=154364. I have never been "rich", but my assets have continued to gr...
by Sheepdog
Tue Sep 19, 2017 8:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 79
Views: 4237

Re: Bogleheads you would most like to meet and why?

Taylor Larimore and Mel Lindauer because they are the main persons responsible for the early founding of the Vanguard Diehards at Morningstar, the predecessor to the Bogleheads...a duo who have positively affected my retirement the most. I would love to shake their hands and may even give them a man...
by Sheepdog
Tue Sep 19, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Take The Lump Sum or The Immediate Annuity?
Replies: 32
Views: 2650

Re: Take The Lump Sum or The Immediate Annuity?

I took my pension as a lump sum in 1998 instead of an annuity which would cover my wife's and my life time. This is the result as of today. History of my 1998 pension lump-sum rollover to IRA (10/29/1998 to 9/18/2017---18years +11 months) My present age is 84. I could have taken an annuity payment i...
by Sheepdog
Mon Sep 18, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3151

Re: How much do you spend on "entertainment"?

I understand you. When I was your age (I'm 84 8-) now) after college I spent very little on alcohol in my (our, after marriage) home, but would have some in a restaurant or night club. We would go out to see a play (Broadway when we lived in N.J.) or at a local theater or traveling shows. I consider...
by Sheepdog
Fri Sep 15, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 3893

Re: Large portable generator vs. permanent natural gas generator for home

This may be terminology (not sure) but a "transfer switch" (or panel?) can be automated. Our transfer switch was installed to be automatically triggered by a power outage, and then almost instantly, the "switch" occurs, and the generator is powering everything it's supposed to. (We didn't connect a...
by Sheepdog
Fri Sep 15, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2263

Re: Any Ford Escape drivers in Boglehead-land?

My daughter in law drives Escapes. It is her company car. She travels a lot She is given a new one every two years. She loves each one she has received.
by Sheepdog
Fri Sep 15, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 3893

Re: Large portable generator vs. permanent natural gas generator for home

With a transfer panel, all my wife has to do is turn the propane on, crank the generator (battery start) and flip the circuits on at the transfer panel. The generator has front wheels, and a lift bar at the other end. Still too heavy for wife, but neighbors very helpful. It can be set up and runnin...
by Sheepdog
Fri Sep 15, 2017 3:08 am
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 3893

Re: Large portable generator vs. permanent natural gas generator for home

I find this thread of interest as just 2 days ago I requested quotations from 2 installers for a whole house generator run on natural gas. They will provide the quotes next week. It wouldn't be a large unit as we cook, heat water, dry clothes, and heat with gas. We rarely have electric outages here ...
by Sheepdog
Wed Sep 13, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Laying sod... too late in the year?
Replies: 12
Views: 1228

Re: Laying sod... too late in the year?

I Googled "When is the best time to lay sod?" http://www.bhg.com/gardening/yard/lawn-care/when-is-the-best-time-to-lay-sod/ Sod is a hefty investment, so it is critical to prepare the planting area and tend the turf with care. You can lay sod anytime during the growing season, although spring and ea...
by Sheepdog
Wed Sep 13, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 8891

Re: Hearing aid 101

I made a comment last year on this thread. I have something new to contribute. One of my two aids failed a few months ago. It was about 6 years old. So I investigated in getting a replacement through my Medicare Advantage plan (an extra coverage along with dental which I added...not an expensive add...
by Sheepdog
Tue Sep 12, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8661

Re: Retirees-anyone miscalculate how much was needed?

I didn't miscalculate. I continued to spend on average in retirement as I was in the average of my last 5 years in employment (income tax ignored because it was expected to be less.) In that last 5 years I traveled including some international. In that last 5 years I bought an automobile....etc. I e...
by Sheepdog
Tue Sep 12, 2017 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Customer Information Leak – Link Problem
Replies: 5
Views: 869

Re: Equifax Customer Information Leak – Link Problem

Equifax emailed me this late last night: "It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, you’ll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and...
by Sheepdog
Mon Sep 11, 2017 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze-Both my wife & myself??
Replies: 4
Views: 935

Re: Credit freeze-Both my wife & myself??

Yes, both. Your wife's SS number and other IDs could be used to open accounts in her name as they could yours.
by Sheepdog
Sun Sep 10, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Discover(card) Now Offers Free Social Security Number Alerts
Replies: 16
Views: 1636

Re: Discover(card) Now Offers Free Social Security Number Alerts

student wrote:
Mon Jul 24, 2017 6:04 pm
I signed up a few days ago.
Me, also. However, it is only good for me and not my spouse's SS#. (It only covers the primary card holder.)
by Sheepdog
Sun Sep 10, 2017 1:40 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864515

Re: What Movie Have You Recently Watched?

"Megan Leavey " which is about a Marine handler of a German Shepherd War Dog who fought to adopt the dog at the end of his Afghanistan war dog career. If is a tear jerker with good acting and story. It was very enjoyable. Semper Fi "Guardians Galaxy " I rented it, sat down with my wife expecting a ...
by Sheepdog
Sat Sep 09, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance premiums tied to credit
Replies: 3
Views: 395

Re: Insurance premiums tied to credit

Your insurance company does check your credit occasionally. I understand that they may contact you to lift your frozen credit when they wish to see it. You should find out which of the reporting agents they use and you will ask that agency to lift it temporarily.
As I said, that is my understanding.
by Sheepdog
Sat Sep 09, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 53
Views: 7302

Re: Buy iPhone 7 or Wait for iPhone 8

I am so happy that I never bought my first I phone and the bills that go along with them.
by Sheepdog
Fri Sep 08, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze Guide How To
Replies: 1
Views: 539

Credit Freeze Guide How To

Clark Howard posted a credit card guide this morning with this preface. "With Equifax’s announcement of a potentially catastrophic security breach yesterday, now would be a really good time to consider freezing your credit, if you haven’t already. Credit freezes are one of the most effective ways fo...
by Sheepdog
Fri Sep 08, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 628
Views: 37022

Re: Equifax customer information leak

I am starting a company to rate the credit raters. Equifax will not be getting a very good rating. But you have to give them high marks for waiting 9 weeks to release the news. Just in; Equifax executives sold stock after data breach, before informing public http://www.marketwatch.com/story/equifax...
by Sheepdog
Fri Sep 08, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 628
Views: 37022

Re: Equifax customer information leak

I am starting a company to rate the credit raters. Equifax will not be getting a very good rating. I cannot give Equifax a good rating, not necessarily for this particular instance, but for another several years ago where when my wife requested her free Equifax credit report. In so doing, she found...
by Sheepdog
Fri Sep 08, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 628
Views: 37022

Re: Equifax customer information leak

Equifax says that both my wife's and my account may be impacted. I have to wait until 9/13 to sign up, but my wife can sign on on 9/10. Interesting side comment: On Tuesday, my wife attempted to get her free annual credit report for Equifax. She could not receive it on line and was instructed to fil...
by Sheepdog
Thu Sep 07, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3493

Re: How do you track expenses ?

I'm still a holdout with Microsoft Money. I recognize this is a dead product but it's too powerful to give up. I probably won't be able to keep using Money forever, but until I find something that gives me as much value/benefit I'm likely to stick with it. Same here. Since 1998, I have available my...
by Sheepdog
Wed Sep 06, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 8033

Re: Do retiree BHs actually run down their portfolios?

I'm also a frugal person. However, I don't understand the business about changing of withdrawal rates due to market downturns. After all, I will only be taking money that I need to support my lifestyle. I don't think everyone has the same spending every year....I don't. All of us don't have pension...
by Sheepdog
Tue Sep 05, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 8033

Re: Do retiree BHs actually run down their portfolios?

I will have been retired 19 years as of this coming October, living off of SS and taking out an average of 4.6% every year from my portfolio...a portfolio where I have had a low stock allocation (22-23% since 2010). Presently, I have more in my portfolio than I ever have. I didn't say that in 2008-09.
by Sheepdog
Mon Sep 04, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1462
Views: 260268

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

I'm up 6.7%, 60/40, 40% short bonds, 10% REIT, 10% foreign, 10% VZ, 30% total US. The VZ was almost 15%, I'm holding it for tax avoidance. :oops: If I figure in my savings and checking cash it's worse. This thread makes me sad. :( Don't be sad, Uncle Pennybags, it's all in the eye of the beholder a...
by Sheepdog
Mon Sep 04, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: How old were you when you got your first credit card?
Replies: 46
Views: 1935

Re: How old were you when you got your first credit card?

It was 1967 or 68 when MasterCharge (predecessor to MasterCard) became available in Delaware, Ohio. (Visa was not there yet, and Amex and Diners Club were too expensive and not truly universal.) A few merchants started accepting MasterCharge then so I signed up for it. I was 34 or 35. That card and ...
by Sheepdog
Tue Aug 29, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2350

Re: QCDs from Vanguard

Vanguard does not mark donations as QCDs. They are treated by Vanguard as ordinary withdrawals. In fact, when I have a QCD check sent to me, Vanguard includes a flyer that tells me I could get my money faster by linking my bank account to my Vanguard account. The year-end 1099 statement also does n...
by Sheepdog
Sun Aug 27, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Salary History for Chemical Engineer
Replies: 30
Views: 4844

Re: Salary History for Chemical Engineer

Off topic: Ah, inflation shows it's ugly head. I graduated with a chemical engineering degree at age 27 in 1960 after serving in the Marine Corps earlier. In my 1960 ChemE class I had the highest starting annual salary of $6,600. I worked for only 2 companies. My ending salary in 1998 at age 65 afte...
by Sheepdog
Wed Aug 23, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 2847

Re: Would you hire an obese nanny?

My oh my..a person's weight does not define their abilities, character, personality, caring, loving. You should realize there are certainly obese persons on this forum, or they love persons who are obese. I do. This thread would surely hurt them as it does I..
by Sheepdog
Tue Aug 22, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14533

Re: How far would you travel to see The Eclipse? ANIMAL BEHAVIOR

The eclipse viewing was starting out promising. It was supposed to reach 95% coverage here. As I viewed it with my pin hole viewer, the coverage reached about 75% when the grey clouds rolled in....disappointing. As time progressed it got darker though....crickets chirped, a flock of blackbirds flew ...
by Sheepdog
Sun Aug 20, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864515

Re: What Movie Have You Recently Watched?

I watched The Zookeeper's Wife last night and enjoyed it. Another WWII movie of the Holocaust variety. This one has good education for they younger generations. It had good acting and the story was as it was. Let's not repeat that period again.
by Sheepdog
Sun Aug 20, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864515

Re: What Movie Have You Recently Watched?

Their Finest. A different kind of story about Dunkirk. I really enjoyed it. If you enjoyed the series Foyle's War, you would like this. +1 I really enjoyed this, too. As did I. I was 7 years old when the Dunkirk retreat happened. I remember it vividly from radio and movie newsreels at the time. Yes...
by Sheepdog
Sat Aug 19, 2017 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Xmas bonus for Honorably discharged veterans
Replies: 9
Views: 1711

Re: Xmas bonus for Honorably discharged veterans

"Your information cannot be found. " I served in the Army between 1966 and 1969. Any idea why my records can't be found? I have a copy of my DD214. Nor was my records found (USMC 52-56)....probably lost in that 70s fire. I will try to get this verified as I have my original discharge papers in my b...
by Sheepdog
Thu Aug 17, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2782

Re: popcorn ceiling, removal or drywall over it?

I have to bring myself into this conversation again because removal by you may be hazardous to your and your family's health, and perhaps fatal. It disturbs me that some do think that it can't harm you and yours. I was a manager manufacturing this and paints containing asbestos. I know now how hazar...
by Sheepdog
Thu Aug 17, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2782

Re: popcorn ceiling, removal or drywall over it?

If it contains asbestos or lead paint has been used on it, don't disturb it, just cover it with gyp board. Otherwise, scrape it off and skim coat. If applied prior to 1980, if could be asbestos in the popcorn. If it is, don't disturb it unless you wish to have it professionally removed. You may wis...
by Sheepdog
Wed Aug 16, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7344

Re: Postal Service -- "informed delivery"

Do folks still get things of value in the mail? I switched everything to paperless billing. I occasionally get replacement credit or debit cards in the mail, but everything else is junk. I still receive all household bills in the mail. Since I either charge them to my credit card or do a direct deb...
by Sheepdog
Sun Aug 13, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6452

Re: Expect to spend $2.6M on healthcare?

I wrote this earlier this year. I have copied it here as it shows an 18 year retired couple's actual out of pocket medical costs through 2016. Medical cost in retirement. This is not our estimated health care costs in retirement. (I retired at 65.) This is our actual cost over 18 years. Medical, den...
by Sheepdog
Sat Aug 12, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14533

Re: How far would you travel to see The Eclipse?

We are at 90% and could go 75 miles to be 100%, but I won't. I will wait for it to come to me. We will be at 100% in April 2024. I can wait.
by Sheepdog
Thu Aug 10, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 6120

Re: What is an appropriate lower risk asset allocation once one has "won the game"

I can't say what you or anyone else should have as a lower risk allocation when you have your perceived "won the game" figure. What is your game, by the way ? I felt that I was in good enough shape in my mid 70s even with no pension and without "millions", so I let my stock allocation gradually drop...
by Sheepdog
Tue Aug 08, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2560

Re: How do you manage cash back rewards?

I apply the rewards as a CC credit as soon as eligible. That means that year-to-date, I have not had to pay $1005.75 (rewards to date) to the CC, so I have that extra $1005.75 available to spend in other places.
by Sheepdog
Mon Aug 07, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 55
Views: 5667

Re: How long do you keep your kitchen sponge?

We never have used sponges. Instead, use dish wash cloths and put with laundry. Those wash cloths last years.
by Sheepdog
Mon Aug 07, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7340

Re: Study: Who Sold Stock During the 2008-9 Crash?

It was a very painful time for me as I was living off of investments and had to sell stock containing funds because I had no cushion and my nest egg was disappearing. This long thread which began on 10/9/2008 with updates over several years with the last just last year, explains. Comments from other...
by Sheepdog
Fri Aug 04, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Roth conversions after start of SS benefits (for low expense couples)
Replies: 16
Views: 1621

Re: Roth conversions after start of SS benefits (for low expense couples)

That is good advice, because I have done that. :D Even though I am in my 80s, I still make some conversions to my Roth IRA in the years which I expect to owe no federal income tax, the value of which is that the inherited Roth IRA will not cause tax problems for the beneficiary while from a traditio...
by Sheepdog
Wed Aug 02, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 23794

Re: How much money do you need to retire?

Since I am already retired, I know how much I need and that is what I have :sharebeer . When I retired in 1998 at age 65 my figure was $650,000 living off of that and SS (no pension). The abode was paid for. With inflation added in, that would be $977,000 in 2017 dollars. Guess what? That is damn cl...
by Sheepdog
Mon Jul 31, 2017 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4214

Re: Which Credit Card Companies Do You Like?

I wrote earlier that my everyday card is a Priceline Visa 2% on everything card which is no longer available. This is a Barclaycard. The company has been easy to work with. I noticed that Barclaycard has this card which may be of interest. Barclaycard CashForward Mastercard Get a $200 cash rewards b...
by Sheepdog
Sat Jul 29, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 59
Views: 6112

Re: What are your monthly expenses?

I'd give you ours but we are so far apart in life it would not be helpful as a guide to anything. I'm 69, retired and married. The more important thing is what is your savings rate? agreed, I could give you our expenses down to the penny, this year, last year, the last 20 years., but I am 83. All o...
by Sheepdog
Sat Jul 29, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11356

Re: Your "at peace" moments.

Interesting thinking about being "at peace". Thanks for helping me thinking about and appreciating those times. 1. I love walking the areas near me (housing plans, but mostly open country) I plan on doing 4 miles at a time...good exercise and I plain enjoy it. And, part of that is walking with my Ol...
by Sheepdog
Sat Jul 29, 2017 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4214

Re: Which Credit Card Companies Do You Like?

1. Priceline.com rewards Visa. 2% on everything (not available any longer)... my "everyday"card. 2. American Express Blue Cash (only started using in May 2017) $95 annual fee.. Nice initial year's reward of 10% back on restaurants up to $2000 in charges and $150 reward after spending $1000. Annual 6...