Search found 5175 matches

by Sheepdog
Mon Jan 21, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 45
Views: 2007

Re: Paying thousands per ticket to attend the NFL Super Bowl?

Yes, if my team was in it. The NFL game day experience is like nothing else. Seeing my team play in the Super Bowl would be incredible. I have been an NFL season ticket holder for over 30 years (3 tickets). It is very nice and fun to go to them with my wife and son, some times tailgating when not t...
by Sheepdog
Wed Jan 16, 2019 11:30 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 847
Views: 43471

Re: John Bogle has died at age 89

I just looked at this sad news. What a wonderful citizen of the world.
He will be remembered with affection.
by Sheepdog
Wed Jan 16, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Owned By Revocable Living Trust
Replies: 15
Views: 897

Re: Auto Owned By Revocable Living Trust

When I funded my revocable trust in 2005, my lawyer did not recommend titling our autos in the trust. I looked on line at Legalees https://legalees.com/cars-into-living-revocable-trust/ It is stated there Cars and other vehicles (motorhomes, boats, motorcycles, etc.) each have a title and require yo...
by Sheepdog
Sun Jan 13, 2019 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: VWIAX [Vanguard Wellesley Income Fund]
Replies: 9
Views: 1040

Re: VWIAX [Vanguard Wellesley Income Fund]

Just to let you know what I have done for the last 10 years of my 20 year retirement when taking income from Wellesley Admiral in my TIRA. I must take out from my TIRA my required minimum distribution. I do not want to sell the Wellesley when the stock market is down like in 2008-09, but when I must...
by Sheepdog
Tue Jan 08, 2019 4:15 am
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4448

Re: Retirees: any major goals for 2019?

We will start our 33rd year being an Indy Colts season ticket holder. Seems like it was just yesterday that the Colts left Baltimore in the middle of the night in their moving van.... I know it was tough and hurt Baltimore. I was employed then as a plant manager. I contacted a supplier in Baltimore...
by Sheepdog
Mon Jan 07, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4448

Re: Retirees: any major goals for 2019?

bengal22 wrote:
Mon Jan 07, 2019 10:14 am

Great post. Good year to be a Colt fan. And I know Luck will be with you.
Thanks. The Colts are a surprise this year....big surprise. Luck is with us.
by Sheepdog
Mon Jan 07, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4766

Re: For those retired a few years

the wildcards in retirement for most people will be medical and dental expenses. I am concerned with and confused about medical expenses. Many expect medical/health-related expenses to go down substantially after becoming eligible for medicare. However, a recent post by Sheepdog tells a different s...
by Sheepdog
Mon Jan 07, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4448

Re: Retirees: any major goals for 2019?

In October 2019 I will begin my 21st year retired. I will become 86 years of age before that. My wife and I will have our 59th wedding anniversary in December. We will start our 33rd year being an Indy Colts season ticket holder. We will eat out at least once a week in a good restaurant. We will at...
by Sheepdog
Sat Jan 05, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3759

Re: Paying (paper) cash for daily transactions

I have preferred credit cards for decades. I don't have to go to the bank to get cash. A roll of dough could invite a knock on the head like which happened to my mother. In 2018 I spent or donated only $900 in cash. (Yeah, I have records for everything.) And, since reward cards came into existence I...
by Sheepdog
Fri Jan 04, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8247

Re: What Do You Spend The Most On Annually?

Cycle wrote:
Fri Jan 04, 2019 5:26 pm
Sheepdog wrote:
Fri Jan 04, 2019 1:08 pm
3. Transportation (Insurance, registration, fuel, maintenance) $2,141
Do you not include vehicle depreciation?
No, it doesn't. I can't SPEND depreciation. The question is not about present value, It is about spending. My house may be of higher value, for example. It may be lower.
by Sheepdog
Fri Jan 04, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8247

Re: What Do You Spend The Most On Annually?

1. Housing (Rent/Mortgage, Utilities, Improvement, Maintenance) $9,407 2. Food & Drink (Restaurants, Groceries, Cookware) $7,239 3. Transportation (Insurance, registration, fuel, maintenance) $2,141 4. Entertainment (Music, Concerts, Movies, Games, Events, Hobbies) $5,574 5. Retirement Savings (I li...
by Sheepdog
Fri Jan 04, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4448

Re: Retirees: any major goals for 2019?

In October 2019 I will begin my 21st year retired. I will become 86 years of age before that. My wife and I will have our 59th wedding anniversary in December. We will start our 33rd year being an Indy Colts season ticket holder. We will eat out at least once a week in a good restaurant. We will att...
by Sheepdog
Tue Jan 01, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 399896

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

25% stock, down -0.39%.
My last down year was the infamous 2008, but I have 18% more in savings today than at the end of 2008 even with only 23-25% stocks and living off of that plus SS in those 10 years. I couldn't want more success than that.
Have a good 2019.
by Sheepdog
Mon Dec 31, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1789

Happy New Year Do you have plans?

May you all have a very happy and prosperous 2019. I am planning for it to be so. Tonight, I will be going with my wife to a nice dinner, not only to celebrate the new year, but more so to celebrate our 58th Anniversary. (How did she stand me that long?) Do you have plans? HAPPY NEW YEAR Jim
by Sheepdog
Mon Dec 31, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEAD CONTEST LEADERS
Replies: 15
Views: 1759

Re: 2018 BOGLEHEAD CONTEST LEADERS

Now the S&P is 2493. I guessed 2479.44. Come on, S&P, can you drop a little?
by Sheepdog
Sat Dec 29, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: College Inflation rate?
Replies: 59
Views: 3477

Re: College Inflation rate?

I went to the University of Florida from 1956 to 1960 (yeah,I know that is ancient) at a total cost of about $6500 for those 4 years!! (I did have a free room in the last 2 years as I was a dorm counselor which helped to supply dating money. :D ). Note that tuition was free to Florida residents and ...
by Sheepdog
Sat Dec 29, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232935

Re: What is your Year 2018 networth change?

With 25% stocks, my savings investment performance in 2018 is down -1.18% to date. However, because of much increased medical and dental expenses, my investment savings total (not my total net worth) is down -4.70%
by Sheepdog
Thu Dec 27, 2018 4:30 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal phase - Monthly vs Annually in Retirement?
Replies: 28
Views: 2539

Re: Withdrawal phase - Monthly vs Annually in Retirement?

I take out as needed thru out the year with a maximum goal. Some years I may take out more than that goal (usually for some large purchases or expenses) but always make that up in later years. Some years I take out less than that goal. VPW. you know.
by Sheepdog
Tue Dec 25, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 3839

Re: PenFed 3% CDs maturing: Thank you Bogleheads

Being 85 time is not on my side....oh, maybe it is, but I am cashing mine in and placing the proceeds into a SPIA for longer gain time and could help my spouse more.
by Sheepdog
Tue Dec 25, 2018 1:14 am
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7238

Re: What was your best investment in 2018?

I Bonds purchased in 2000 and 2001... 5.8% average return in 2018. (6.1% 2018 YTD return for the June-July 2000 purchases)
1.6% average return of VMMXX Prime Money Mkt.
by Sheepdog
Sun Dec 23, 2018 4:48 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11181

Re: My Christmas Present To You

Oh, dear Taylor, thank you for sacrificing to help this country, this world, me, and humanity as a whole. While you were at Bastogne, I was 11 years old. While you were fighting, I and my family were glued to our radio to hear of the war and where our country's fighting boys were sacrificing themsel...
by Sheepdog
Fri Dec 21, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 399896

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

No new money added to savings...no new money coming in except SS......retired 20 years. For 2018 with 23 to 25% stocks added to I Bonds, CDs, and money market, my total return in 2018 is -0.85%. I live off of these savings and SS. After taking out a years worth of spending deductions, which has aver...
by Sheepdog
Tue Dec 18, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13134

Re: Is anyone's portfolio not tanking???

I guess I can't see how anyone's portfolio is "tanking." Total stock market is down -3.76% YTD, and up 5.6% for past 12 months. Total International is down 14.20 YTD, but it's a smaller allocation than U.S. TSM in most portfolios. I'm retired with an AA of ~50/50, which means there is really nothin...
by Sheepdog
Sat Dec 15, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20311

Re: What Happened to you during the Financial crisis of 2007–2008

You can read this very long thread of mine starting in October 2008 thru 2009 and updated several times since then. It is titled: "I can't believe I am thinking this (Panic and Survival 2008-2009)" https://www.bogleheads.org/forum/viewtopic.php?t=25126 It starts out with this paragraph, "I have been...
by Sheepdog
Fri Dec 14, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 69
Views: 4496

Re: Imminent retirees & sequence fear

Do you have a pension? What is your plan for withdrawal? How much? When?
by Sheepdog
Mon Dec 10, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7939

Re: To each his own ( I guess )

Some hate rap and rock and roll, but others, instead, love classical music, opera and dance. The latter is me. Some want one domestic partner for life, while others want forever a variety. The former is me. Some love to do gardening and landscaping themselves and never hire anyone, while others hate...
by Sheepdog
Sat Dec 01, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6170

Re: I'm up 5% ytd and I will take it

At age 85, living off of savings and SS, I have only 24% stock, That's all I need or want and has been for a dozen years. I am very happy as my net worth is down only 0.3% this year, so basically even and that could very well be erased by 12/31. After all is said and done my goal has been not to run...
by Sheepdog
Tue Nov 27, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5892

Re: List of costs that go away/decrease and increase/appear in retirement

In 20 years in retirement, my "big expenses" not budgeted every year are (some have been mentioned by you and others, but here goes): Automobiles (have 2 and replace each about every 8 years); house maintenance as the house ages (mine is 46 years old) such as roof, driveway replacement, A/C, furnace...
by Sheepdog
Thu Nov 22, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3104

Re: Tiny Baby Spiders on my Toaster

They can turn up in strange places. This fall when I started my gas furnace, it would not light. The gas furnace is less than a year old, so I called the company who sold and installed it thinking that any problem would be covered by my warranty. The repairman came and spent about an hour. He was lo...
by Sheepdog
Thu Nov 22, 2018 9:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Thanksgiving to all
Replies: 19
Views: 1056

Re: Happy Thanksgiving to all

May you have peace in your life, love to love, food on the table, warmth in your home, good health for you and your loved ones. HAPPY THANKSGIVING.
by Sheepdog
Mon Nov 19, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5960

Re: The psychology of withdrawing from your portfolio

We spend years saving and investing. This is counter to the thought of withdrawing a % from your portfolio when one retires. For those that have been retired, was it difficult mentally to start withdrawing from your portfolio ? How did you overcome it ? For me, it was not difficult. That was why we...
by Sheepdog
Sun Nov 18, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8361

Re: Current Retirees: Do you touch your principal?

20 years retired lliving off of investments and SS. Yes is my answer, but my nominal balance is the same.
by Sheepdog
Thu Nov 15, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What to do with RMD - 91 Year Old Mom
Replies: 18
Views: 1578

Re: What to do with RMD - 91 Year Old Mom

sailaway wrote:
Thu Nov 15, 2018 11:31 am
Does she have any ideas of what to do with it?

Does she have a favorite charity?

Do the great grand kids have education accounts?
Good reply. There are many choices in this. Ask her.

By the way, has she set up beneficiaries for those IRAs.?
by Sheepdog
Tue Nov 13, 2018 3:58 am
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6657

Re: Strategy during the last stock market decline

dh, for me the thread that really brought it all home was Sheepdog's https://www.bogleheads.org/forum/viewtopic.php?t=25126l Thank you Sheepdog. Bear And, thank you. That panic thread, now titled I can't believe I am thinking this [Panic and Survival 2008-09] brought out my soul (my in-retirement i...
by Sheepdog
Sat Nov 10, 2018 9:21 am
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2486

Re: U. S. Marine Corps Birthday

Yeah Happy Birthday! Just curious as I have never asked before as I don't talk about my Marine experience. But my recent visit to Vietnam was healing. Anybody served in the 3rd Amtrac Battalion 1st Marine Division at Marble Mountains during the 1968 Tet offensive? I visited the Marble Mountains, wh...
by Sheepdog
Sat Nov 10, 2018 1:39 am
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2486

Re: U. S. Marine Corps Birthday

9/10/18 Another Marine Birthday #243. Happy Birthday to all Gyrenes.
Sgt Sheepdog 1952-56
by Sheepdog
Thu Nov 08, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Lowest Cost GPS-Capable Device for Senior Citizen
Replies: 18
Views: 1069

Re: Lowest Cost GPS-Capable Device for Senior Citizen

For a cheap, easy to use, easy to read and reliable device for vehicle use, I would go with a Garmin stand-alone unit. It is a one-purpose device, but for this scenario, I think it fills the bill. I purchased a Garmin 51LM last August from Best Buy at a cost of about $120. Good for this senior. (As...
by Sheepdog
Wed Nov 07, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 19
Views: 2337

PenFed new savings rates

PenFed is offering new saving certificate rates:
2.71% 1 year
3.3% 5 year
plus others

See https://www.penfed.org/accounts/certifi ... _-11302018
by Sheepdog
Tue Nov 06, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15192

Re: How much money are you leaving your kids after you die?

Sheepdog, I know that you know better, but for any newbies, it should be stated that you can't "will" anyone parts or all of IRAs. The beneficiary statements on the IRAs override anything in a will. Good point. Yes, of course I understand that. "Willing" is just a term to meaning who gets what.
by Sheepdog
Tue Nov 06, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15192

Re: How much money are you leaving your kids after you die?

rgs92 wrote:
Tue Nov 06, 2018 5:33 pm
Don' t forget to leave something to your pets. They can't earn their own way after you're gone.
Good. Actually our pets are in our will and who will take care of them.
by Sheepdog
Tue Nov 06, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15192

Re: How much money are you leaving your kids after you die?

Assuming we haven't needed to spend it, especially for health and long term care, we have willed our 2 sons half each of our Roth IRAs (tax free for them) and half each of our I Bonds (about $200K at present). We have willed our traditional IRAs and our house to charities. Anything else of value wil...
by Sheepdog
Sun Nov 04, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18622

Re: Vanguard website "unavailable during weekend of Nov 3"

mindboggling wrote:
Sun Nov 04, 2018 7:03 am
7am EST Sunday. Site appears to be up and running. Upstate NY location for me.
ditto here. Nothing readily visible showing changes except that light shows at this time with DST gone.
by Sheepdog
Fri Nov 02, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 7124

Re: Engineering school

Rose-Hulman Institute of Technology is an absolutely fantastic school. The biggest downsides are expenses and a heavy workload, but you'll get a best-in-class education there. Oh, also, it's an engineering-only school and has the gender ratio you'd expect (roughly 3 men for every woman), so if you'...
by Sheepdog
Thu Nov 01, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 10114

Re: Savings Bond Wizard replacement is available

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it? The IRS discontinued support for the Savings Bond Wizard on 6/1/18. The 5/1/18 update of the data files was the las...
by Sheepdog
Thu Nov 01, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 10114

Re: Savings Bond Wizard replacement is available

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it? The Savings Bond Value Files are "numbers gibberish" except to software that understands the file format. Are you u...
by Sheepdog
Thu Nov 01, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 10114

Re: Savings Bond Wizard replacement is available (UPDATE NOV 2018 PROBLEM)

HueyLD wrote:
Thu Nov 01, 2018 12:12 pm
No. Since I no longer own any paper bonds, it is easier for me to just log in and get the values.
Maybe someone else will see this to advise. UPDATE NOVEMBER 2018 PROBLEM
by Sheepdog
Thu Nov 01, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 10114

Re: Savings Bond Wizard replacement is available (UPDATE NOV. 2018 PROBLEM)

HueyLD wrote:
Thu Nov 01, 2018 12:01 pm
Are you using Windows 10?
No...Windows 7 as I used earlier. Have you tried downloading the new files ?
by Sheepdog
Thu Nov 01, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 10114

Re: Savings Bond Wizard replacement is available

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it?
by Sheepdog
Wed Oct 31, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3676

Re: The most you ever paid for a prescription

My wife has these high price monthly prescription: Tradjenta $1145.49 (her out of pocket for that is $226. The insurance company covers the rest. However after the doughnut hole, that is now and until the end of the year costs her now only $20.02 out of pocket until Jan 1 when it will go back up.) T...