Search found 4691 matches

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: 61
Views: 2376

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: 6
Views: 955

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: 16
Views: 1603

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: 92
Views: 6939

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: 1120

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: 102
Views: 6013

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: 1749

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: 478

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...
by Sheepdog
Mon Oct 09, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 1849

Re: Medicare versus Medicare Advantage for 2018

" .... her regular primary care physician was leaving her network at the end of this year ..." & "I find that next year my primary care physician also dropped out of Humana's PPO listing" Since these are PPO plans, you can see the doctors as out of network, it may be the difference between a $0-$15...
by Sheepdog
Mon Oct 09, 2017 12:17 am
Forum: Forum Issues and Administration
Topic: Getting Malwarebytes warnings on this site
Replies: 18
Views: 2615

Re: Getting Malwarebytes warnings on this site

Driver wrote:
Sun Oct 08, 2017 11:35 pm
I'm running Malwarebytes (Premium) on Windows 10 and haven't received any warnings regarding bogleheads.org ever. I'd restart whatever device I was using to access bogleheads.org and try accessing only the site after the reboot and see what happens.
Same thing here with Windows 7..no problem
by Sheepdog
Mon Oct 09, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 1849

Re: Medicare versus Medicare Advantage for 2018

Research diligently your various in-retirement medical insurance options, and there are many. And, to be sure you are continuing to have good economic and/or basic insurance coverage over the years, review annually. Times change, insurance policies change, rates change. This is our continuing 19 yea...
by Sheepdog
Sat Oct 07, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 102
Views: 5729

Re: Has your "risk tolerance" been tested?

Absolutely I was tested in 2008-09. This thread says it all: viewtopic.php?f=10&t=25126&hilit=I+can%27t+believe
by Sheepdog
Fri Oct 06, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3961

Re: Retirees, how and how much do you pay for health insurance?

We are a retired couple, ages 83 and 76 at the end of 2016. I can give you our costs above insurance. Our out of pocket medical expenses for the last 7 years are listed in each category are: (First amount shown is for 2010, followed by 2011, 2012, 2013, 2014, 2015, 2016} Medical insurance premiums [...
by Sheepdog
Wed Oct 04, 2017 4:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4060

Re: Retirement Class of 1998 (Sheepdog's Experience)

To all of you, thank you for the humbling "thank yous" and your comments and questions. In this thread, maybe I did actually accomplish something unplanned beyond telling my story and giving thanks to the Diehards and Bogleheads. I think that is having some of you realize that your retirement can be...
by Sheepdog
Tue Oct 03, 2017 6:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4060

Re: Retirement Class of 1998 (Sheepdog's Experience)

Sheepdog, congratulations! I would love to hear some details on your tax plan. Thank you. Planning taxes, or little taxes, was a plan I had when I retired. This was and is the basic program: I set my goal to reduce taxable income as much as possible before RMDs. When someone asks me what they shoul...
by Sheepdog
Mon Oct 02, 2017 3:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4060

Re: Retirement Class of 1998 (Sheepdog's Experience)

4.5% withdraw against the portfolio is forever safe. Do you really feel the increase of the portfolio matched the inflation? Yes, it exceeded MY inflation.....not the CPI possibly. I do not buy new electronics every year. I do not buy new houses or rent new apartments every year, in fact I live in ...
by Sheepdog
Mon Oct 02, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Looking for advice on an automotive paint job.
Replies: 20
Views: 1195

Re: Looking for advice on an automotive paint job.

There are local auto repair and paint shops available in your community, They often do a better job, use better quality paint (Ditzler, for example, but others also). At least get a couple of quotes and compare. Ask questions from them.
by Sheepdog
Mon Oct 02, 2017 8:57 am
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4060

Retirement Class of 1998 (Sheepdog's Experience)

It has been 19 years. There wasn't a Boglehead's "Roll Call for the Retirement Class of 1998". Bogleheads hadn't been founded yet, but the Morningstar Vanguard Diehards forum was founded in March 1998 and from that came this group which commenced in 2007. Taylor Larimore, our chief advisor from that...
by Sheepdog
Sat Sep 30, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6001

Re: Is it a waste of money having your furnace checked every year?

There are two reasons I have mine checked annually and one is safety. First is for gas burning efficiency and to check that the automatic ignition and thermostat is in good condition to last the heating season. Second, is for potential carbon monoxide poisoning . I know. A check one year found a lea...
by Sheepdog
Sat Sep 30, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: Review of a boat-bike tour along the Danube River
Replies: 10
Views: 1074

Re: Review of a boat-bike tour along the Danube River

I opened your journal at about 11:30 pm just before going to sleep. I couldn't stop until now at 2:10 am. I was impressed with your photos and descriptions. I should have taken much more time to study them all. Anyway, I felt that I was with you except that I was dry and did not have sore thighs. Th...
by Sheepdog
Thu Sep 28, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Bathtub/shower rehab - Bath Fitters experience?
Replies: 8
Views: 780

Re: Bathtub/shower rehab - Bath Fitters experience?

Last April we used Bath Fitters for a tub+shower renewal of a very dated bath. It included surround wall tile (simulated) around the tub area with and integrated tub cover, removal of old tile and wall board and shower, tub fixtures, new copper piping serving the tub and shower. The cost for that wa...
by Sheepdog
Wed Sep 27, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6368

Re: I'm shocked!

Like I said, I'm no genius on finances. I just thought it was such a shame she put everything into 3% returns but it seems here that she did ok . She did tell me that when she's gone I should invest anyway I want so that's what I will do. PHEW, I feel better already. Thank you all for input. PS... ...
by Sheepdog
Mon Sep 25, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6803

Re: Tipping question....Applebees

My wife and I eat out several times a week....lunch or dinner. A good number of restaurants show suggested tipping. I ignore them as I can still calculate in my head an appropriate gratuity. I tip according to whether I am pleased with the service. Mostly 15% for average service, but sometimes 20 to...
by Sheepdog
Mon Sep 25, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8239

Re: Age you retired

bobbyrab wrote:
Mon Sep 25, 2017 8:10 am
Retired at 52 from an executive career on Wall Street. Never indicted, never convicted.
:moneybag :D
by Sheepdog
Sun Sep 24, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8344

Re: Where do you get your news?

First, I read my local newspaper and another newspaper from another source every morning and I read them on line before it goes to print, Then I read headlines of national and international news on line from various sources such as Yahoo, MSN and others. I may visit national and local news on TV, bu...
by Sheepdog
Fri Sep 22, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8239

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: 233
Views: 25301

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: 134
Views: 8980

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: 34
Views: 3193

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: 3388

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: 4193

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: 2364

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: 4193

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: 4193

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: 1299

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: 9124

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: 9020

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: 1100

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: 1182

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: 1756

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: 3015
Views: 882721

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: 414

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: 7435

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: 585

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: 711
Views: 47140

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: 711
Views: 47140

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: 711
Views: 47140

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: 3602

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: 8219

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...