Search found 5341 matches

by Sheepdog
Tue Nov 19, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: Looking for a charity giving Christmas experience
Replies: 42
Views: 1723

Re: Looking for a charity giving Christmas experience

Our community has a program for children called "Coats for Kids". And a service called "Shoe Bus", which are volunteer fundraising and distribution services . Does your community? I can tell you that there IS a strong need. Kids are going to school without coats and shoes and no breakfast, lunch or ...
by Sheepdog
Fri Nov 15, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 145
Views: 10979

Re: Best thing you have ever bought?

A beautiful,classy 2 week cruise on the Mediterranean from Istanbul to Athens with stops in between. There are more.
by Sheepdog
Fri Nov 15, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466517

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

86 years old, retired.....stock allocation is 25%.....2019 investment performance: 8.09%
by Sheepdog
Wed Nov 13, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Forgotten Expenses in Retirement--Travel
Replies: 32
Views: 2622

Re: Forgotten Expenses in Retirement--Travel

Well, I didn't change or forget as we were traveling some already before retirement in the 12 years before (three Caribbean cruises, twice to Great Britain, Russia, Greece, Turkey, Central America, Alaska, upper Canadian provinces.) And we continued, although we discontinued big travel when I reache...
by Sheepdog
Tue Nov 12, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Scale of Lionel Trains Rolling Stock: Early 1950's vs. Current Vintage
Replies: 7
Views: 860

Re: Scale of Lionel Trains Rolling Stock: Early 1950's vs. Current Vintage

I may have a set like yours. I purchased mine with my paper route money in 1947 or 48. (my age 14 or 15) These were among the first ones Lionel made after the War. Yes, I still have it, but do not run it, but it is on display on my book shelves directly above me. It has a cast iron or steel engine w...
by Sheepdog
Mon Nov 11, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: "Retirees' Year-End Tax-Planning Guide"
Replies: 9
Views: 1673

Re: "Retirees' Year-End Tax-Planning Guide"

Thank you, Taylor.
And, Happy Veterans Day to you, our most famous Bogleheads veteran, a Battle of the Bulge WWII Veteran, a hero.....
Jim
by Sheepdog
Mon Nov 11, 2019 9:33 am
Forum: US Chapters
Topic: U. S. Marine Corps Birthday
Replies: 22
Views: 1476

Re: U. S. Marine Corps Birthday

To VALUETHINKER Thank you for your well written WWII period essay above. Wonderful addition.

And today, a national holiday to honor those who have served and fallen for the freedoms we enjoy, I give my thanks .
by Sheepdog
Mon Nov 11, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: can I read MS Money file w/o MS Money?
Replies: 6
Views: 401

Re: can I read MS Money file w/o MS Money?

In the last month I was able to install my Money 2002 software and include all of my last 20 year financial history to my new Windows 10 computer. It wasn't easy but it got there. It is running perfectly as when I originally installed it in Windows 98 and in following formats. 8-)
by Sheepdog
Mon Nov 11, 2019 9:08 am
Forum: Personal Investments
Topic: Money Market Fund in IRA for RMD
Replies: 17
Views: 1060

Re: Money Market Fund in IRA for RMD

I don’t have a money market fund in my IRA for RMD purposes but I do keep a reserve in the short term corporate bond fund which serves the same purpose with higher yield and low volatility. Gill I have done the same thing since the market collapse in 2008. I was taking from my investments then for ...
by Sheepdog
Sun Nov 10, 2019 6:00 am
Forum: US Chapters
Topic: U. S. Marine Corps Birthday
Replies: 22
Views: 1476

U. S. Marine Corps Birthday

HAPPY BIRTHDAY U.S. MARINE CORPS. Thank you to the provider of this linked Marine tribute, Bill Murphy Jr. https://www.inc.com/bill-murphy-jr/happy-birthday-us-marine-corps-here-are-17-inspiring-quotes-about-marine-corps.html Today is the 244th birthday of the U.S. Marine Corps. If you're close to a...
by Sheepdog
Fri Nov 01, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: Unique withdrawal method
Replies: 65
Views: 6904

Re: Unique withdrawal method

I am 23 years retired with a structured plan for variable withdrawals to meet expenses which vary year to year. It takes records of annual total spending and withdrawals, not a lot though. Original goal: Average annual withdrawal will be 4.5% of the previous 12/31 investment balance. If I withdraw l...
by Sheepdog
Fri Oct 25, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5475

Re: Does the Average Homeowner Need a Water Shut Off Valve?

I have a shut off valve inside the home with easy access. Once a water line within the crawl space was leaking. We could hear it running as it hit the flooring beneath, but could not easily shut it off. When the copper piping was replaced in the crawl space (the copper pipe was corroding and was lea...
by Sheepdog
Mon Oct 21, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7329

Re: what was vanguard like before the internet?

I started with Vanguard in a 401k in 1989, contributing (and receiving the company match) until I no longer worked for that employer in 1999. I remember filing out forms for my 401k, and when I hit the HCE limit, getting an announcement via snail mail that I was no longer eligible. And I recall get...
by Sheepdog
Fri Oct 18, 2019 4:20 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 101
Views: 7999

Re: Vanguard Website Down Again

lthenderson wrote:
Fri Oct 18, 2019 2:28 am
I've never had a speed issue accessing my Vanguard account either.
Same here and I just signed on ok. (30 years with Vgd)
by Sheepdog
Thu Oct 17, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2746

Update: A repairman showed up on the 14th, after almost a full month. He knew the saga. He knew that the freezer has worked since I evidently reset the defrost system by unplugging and re plugging. He could find nothing wrong, although he said the defrost panel is integrated with the entire electric...
by Sheepdog
Sun Oct 13, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 71
Views: 5750

Re: How often do you look at your IRA or 401K Balances

On my Microsoft Money which I have been using since 1998, I enter the fund's new daily price (no stocks anymore), then I see the latest portfolio balance.. (I also enter any credit card charges that day,)
by Sheepdog
Sat Oct 12, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2746

Re: LG Refrigerator/Freezer lack of service saga

I Last year a DD sold her house with her garage refrigerator that had been our first refrigerator in our current house. So, it was at least 29 years old, might still be working, also a GE. Broken Man 1999 My oldest son was given one of those small refrigerators for his dormitory room. That was in 1...
by Sheepdog
Sat Oct 12, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2746

Re: LG Refrigerator/Freezer lack of service saga

Update: still no service, BUT, allegedly, a repair person, not from LG, but a local repair service ordered by LG, will be here on 10/14, only 2 days short of a month since it was first requested. But, they may not show up again as in the past.
by Sheepdog
Sat Oct 12, 2019 7:15 am
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5029

Re: Retirees, when did you start really planning your retirement?

I really didn't "plan" for retirement until my company cancelled our pension plan, Until that time, I believed that my pension and SS and maybe some CDs would take care of us". Naive, naive, naive!! That was less than 7 years before I was 65 and retirement was required by my employer. " Big Brother ...
by Sheepdog
Sat Oct 12, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 93
Views: 7694

Re: Vanguard keeps pushing their financial advisors...why?

There must be. I never get emails from VG and have been with them for many years. I must have gotten one years ago and unsubscribed. I suspect you can also go in and use their secure email and ask them to mark your record down as "do not contact." I told my Flagship rep that there is no need to cal...
by Sheepdog
Thu Oct 10, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9560

Re: Do you carry your passport with you during international travel?

goingup wrote:
Wed Oct 09, 2019 4:20 pm
Yes, on my person when traveling internationally.
Always on person. One time in Russia, if I had not, I possibly would be in the Gulag. I was thought to have been someone else. I was verified by the local consulate because I had it.
by Sheepdog
Tue Oct 08, 2019 1:37 pm
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 10563

Re: Retirement Class of 1998

Do you think buying Ibonds, with today's $10,000 limit and lower rates, still would be useful for early retirees? Even if you could only give my your gut reaction to this question, I'd love to hear your thoughts? I am sorry that I did not see your question before. Everyone, especially retirees, sho...
by Sheepdog
Tue Oct 08, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2746

Re: LG Refrigerator/Freezer lack of service saga

What techs does the appliance store use to provide service under the extended warranty? Can’t those same techs provide service during the manufacturer warranty period? The store does none of that and does no maintenance at all. They sell, deliver and set up, that's it. That is what a customer gets ...
by Sheepdog
Tue Oct 08, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2746

Re: LG Refrigerator/Freezer lack of service saga

Who was the provider of the extended warranty? I would have been on the phone to the company that sold you the fridge on the first day. The seller of the extended warranty was the appliance store. The extended warranty does not go into effect until the refrigerator warranty expires which has severa...
by Sheepdog
Mon Oct 07, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2746

LG Refrigerator/Freezer lack of service saga

Be wary. What good is the product's warranty? Are service technicians available nearby even? Investigate before purchasing. We purchased an LG French Door refrigerator on February 21, 2019 with an additional 4 year warranty beyond the standard 1 year for which we paid $2,215.94. On September 19, we ...
by Sheepdog
Tue Oct 01, 2019 10:17 pm
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 10563

Re: Retirement Class of 1998 updated comments to 2019

May I ask you, did your portfolio get a big hit in 2000? Not too bad, but it was a test to my theory. It really was. I have maintained records of all spending and portfolio growth or decline because this was my theory and I really needed to prove to myself that it worked. I never kept records like ...
by Sheepdog
Tue Oct 01, 2019 9:31 pm
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 10563

Re: Retirement Class of 1998 updated comments to 2019

What inspired you to pick 4.5%, fixed, originally? Pardon me if you address it further up the thread. I am 38 and hope to retire in my late 50s, and I pretty much have settled on a fixed withdrawal % of my year-ending portfolio as you did. I just don't see many others who do. Thanks for the questio...
by Sheepdog
Tue Oct 01, 2019 1:49 pm
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 10563

Re: Retirement Class of 1998 updated comments to 2019

2019 personal retirement update: We are doing well as our 21st retirement year ends today. We are now at 86 and 79 years of age. I feel healthy mentally and physically and am able to do most things as I did 30 years ago except that I won't get on the roof anymore, only on a step ladder to paint the ...
by Sheepdog
Mon Sep 30, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6581

Re: Do you know what your partner spends money on?

We have been married 59 years. We use the same credit cards, same bank, same check book, use very little cash (all cash comes from the checking accounts and we both review the monthly statements) and we have never had a complaint about what each other spends. Oh, I take that back. I bought at WOOLCO...
by Sheepdog
Sun Sep 29, 2019 6:55 am
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9840

Re: Retirees - do you hold extra cash for a bear market?

(21 years living off of investments and SS) In the 2008-09 recession I learned a lesson. At the time, I was having to sell reduced value stock containing funds to meet expenses to go along with my SS. That hurt. ....) If I may ask, what was your overall allocation during the down turn ? Did you own...
by Sheepdog
Sun Sep 29, 2019 3:14 am
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9840

Re: Retirees - do you hold extra cash for a bear market?

(21 years living off of investments and SS) In the 2008-09 recession I learned a lesson. At the time, I was having to sell reduced value stock containing funds to meet expenses to go along with my SS. That hurt. I reported here then that I would, in the future, keep 3 to 5 years worth of normal with...
by Sheepdog
Sat Sep 28, 2019 3:11 am
Forum: Investing - Theory, News & General
Topic: When do you see effects of compound interest on net worth?
Replies: 36
Views: 4112

Re: When do you see effects of compound interest on net worth?

When do you see effects of compound interest on net worth?
When I look at a holding which provided only interest over less than two decades: I bought $75,000 worth of I Bonds from June 2000 to October 2001 and see today they are worth $207,526.
by Sheepdog
Sat Sep 21, 2019 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 4931

Re: Dental Insurance for Retirees

I have a BCBS Advantage PPO Plan with limited vision, hearing, and DENTAL coverage. The premium cost for this coverage is only $50 a month with the largest advantages for me: (1) twice a year opthalmologist exams. Eyeglasses are not provided for those, however. (2) For hearing, I can receive new aid...
by Sheepdog
Tue Sep 17, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: What do you think about Dan Wiener
Replies: 82
Views: 5958

Re: What do you think about Dan Wiener

Just thinking it is another little sale but what do you guys think This is not an ad. https://orders.investorplace.com/chain?cid=MKT357044&eid=MKT425650&encryptedSnaid=&snaid=&step=start&assetId=AST88712&page=3 Very few Bogleheads would take his advice. Search Dan Wiener on this site to read many p...
by Sheepdog
Tue Sep 17, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4743

Re: Seasoned retirees...

It's much easier to make friends when you have school age children. Extremely difficult after retirement. I have seen 70 year-olds become super lonely when the spouse died. You always need friends who are similar in age and experiences. Make an effort to keep them. Ditto for keeping your family tog...
by Sheepdog
Mon Sep 16, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4743

Re: Seasoned retirees...

Get a Dog. :happy We're retiring in less than 2 years. I'll throw a contrary opinion out there. Don't get a pet of any type - YET. I have a relative that has a dog, and that limits their ability to travel on a short-notice basis, requires them to provide access to their home to the dog sitter (they...
by Sheepdog
Sat Sep 14, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 43
Views: 2805

Re: Laptop for aging parents

Do you need a laptop? Old people like big screens, good ergonomics and special keyboards, and it's not like they are the type to bring a laptop to a cafe or something. All these favor desktop all in one computers over laptops, especially if you have a budget. What is Your definition of "Old people"...
by Sheepdog
Sat Sep 14, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Selling an old player piano and lots of song rolls
Replies: 17
Views: 1353

Re: Selling an old player piano and lots of song rolls

Try ebay with separate bids for piano and song rolls. Some are listed now and some (song rolls) are listed sold.
by Sheepdog
Wed Sep 11, 2019 4:24 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9906

Re: Too Late To Get Back Into Stocks?

Eliminate cash as an asset class. 10% US stocks 90% short term treasuries 25% US stocks 75% intermediate treasuries Personally the 25% stocks, 75% intermediate treasuries portfolio is the lowest risk portfolio I would probably ever want to hold. Only other option I would consider is a bunch of CD's...
by Sheepdog
Wed Sep 11, 2019 6:03 am
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 4853

Re: Vanguard Insane (?) Procedures on Death of a Spouse

Sheepdog, in our case, I contacted them by phone, after which they overnighted partially-filled-in paperwork which I overnighted back. Securing their required Medallion guarantee required a trip to my local bank and was made easier by a long-standing relationship with them. But this only required a...
by Sheepdog
Wed Sep 11, 2019 5:46 am
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 4853

Re: Vanguard Insane (?) Procedures on Death of a Spouse

Excuse me for hijacking this thread, but it is within the subject, I think. I can imagine the issues my wife will run into if I (age 86) die today. She (age 79) has not and will not use a computer so everything must be done by telephone. Warning her about not being up to date on electronics does no ...
by Sheepdog
Mon Sep 09, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Simple withdrawal from IRA to cash/checking/bill pay
Replies: 5
Views: 494

Re: Simple withdrawal from IRA to cash/checking/bill pay

It is simple. Over my 20 plus years in retirement I have set these up from several accounts (IRAs or any account) 1. Logon to Vanguard. 2. Go to My Account 3. Click on Account Maintenance 4. Click on Automatic Withdrawal Select the account, investment and go. Remember, those withdrawals from your tr...
by Sheepdog
Mon Sep 09, 2019 5:13 am
Forum: Investing - Theory, News & General
Topic: Trouble logging on to Vanguard in the last week...
Replies: 14
Views: 1391

Re: Trouble logging on to Vanguard in the last week...

Anyone else experiencing problems logging , on to Vanguard in the last week or so? Lots of failures to connect lately for me. Anyone else getting this or know something about what may be happening? Thank you. That has happened to me several times in the last week or so where I don't connect to Vang...
by Sheepdog
Sun Sep 08, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?
Replies: 24
Views: 2389

Re: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?

I just did a Google Search "Ft. Lauderdale to Key West" You may find something there. One thing that stood out was, "Is there a ferry from Fort Lauderdale to Key West?" The Key West Express high speed ferry leaves Ft. Myers Beach on its way to the Keys. ... The ferry ride takes approximately 3.5 hou...
by Sheepdog
Sun Sep 08, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5469

Re: Retirees: Ever feel really lazy?

Never have. I enjoy doing everything for myself, if I have the knowledge and expertise.
by Sheepdog
Sat Sep 07, 2019 3:59 am
Forum: Personal Consumer Issues
Topic: Whether to change phone number for elderly parents
Replies: 34
Views: 3236

Re: Whether to change phone number for elderly parents

One more up vote for nomorobo. Agree it cuts out about 90%. Ours is also free. My understanding was it only worked on cable provided land line phones. It was not available for traditional phone company landlines. Not sure if that is still true. There may be options to port the number to some sort o...
by Sheepdog
Wed Sep 04, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: No increase in LTC Insurance Premiums again this year
Replies: 16
Views: 1737

Re: No increase in LTC Insurance Premiums again this year

Sheepdog wrote:
Tue Oct 09, 2018 2:11 pm
My wife's (age 78) Genworth LTC policy (from 1999) did not have a premium increase this year or last. (2017 and 2018)
Some here may appreciate this update. Her LTC billing this year from Genworth again did not increase
by Sheepdog
Tue Sep 03, 2019 8:56 pm
Forum: Personal Investments
Topic: How do you let go of decisions that turned out to be the wrong ones?
Replies: 63
Views: 5222

Re: How do you let go of decisions that turned out to be the wrong ones?

I am an old f... who learned a long time ago and have advised here "do not invest assets which you will absolutely need in the next five years. Keep those assets safe." Why is that? Isn't it obvious? Sure, you may not gain possibly , but you can't lose what you cannot recover in time. You did that.....
by Sheepdog
Tue Sep 03, 2019 1:19 pm
Forum: Personal Investments
Topic: Self insured Long Term Care Fund
Replies: 36
Views: 2702

Re: Self insured Long Term Care Fund

You are assuming that you will not need LTC for many years. You could need LTC next year, like life expenses needs after an auto accident, stroke, etc. That is what insurance is for. Your plan is just investing as normal with little thought of what-if you will need LTC before the investment has accu...