Search found 5255 matches

by Sheepdog
Sun Jun 16, 2019 6:53 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 40
Views: 3423

D-Day plus 11 days, a war article written by Ernie Pyle

[Thread merged into here, see below. --admin LadyGeek] Just a few days ago several wrote here about the Normandy invasion on June 6, 1944. Some of you may know who Ernie Pyle was, but some may not. I know that Taylor Larimore knows who he was, as are many of us who were safely at home at that time....
by Sheepdog
Thu Jun 13, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Why is this cabin so inexpensive?
Replies: 15
Views: 1509

Re: Why is this cabin so inexpensive?

Realtor listing: https://www.edinarealty.com/homes-for-sale/1-tbd-grand-rapids-mn-55744-9933124#/ MLS# 9933124 Description for #1 TBD, Grand Rapids, MN, 55744 Cabin to moved located just minutes to Grand Rapids. This is an insulated 3 BR unit, most furnishings stay, newer furnace from Fireplace Life...
by Sheepdog
Thu Jun 13, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Why is this cabin so inexpensive?
Replies: 15
Views: 1509

Re: Why is this cabin so inexpensive?

First, Zillow says The list price and Zestimate® for this home are very different, so we might be missing something. [/b]. It also says it was built in 1777, so there maybe multiple errors. The writeup says that the furnace is not included. The land could be leased. If interested why not call the li...
by Sheepdog
Thu Jun 13, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3269

Re: Do you repair your own appliances?

In my 54 years of owning a home, I have repaired every house hold appliance, and everything else in the house. Some times when the appliance is old, say 20 years, it is crazy, for me, not to purchase a new one instead of trying to repair it. But, I recently tried to repair my refrigerator ice maker....
by Sheepdog
Thu Jun 06, 2019 3:10 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 40
Views: 3423

Re: June 6, 1944 D Day and General Patton

I love the odd bits of information I pick up on B'heads. Never thought I'd be copying quotes from Patton for my students! Here are some more quotes from General Patton for your students "Lead me, follow me, or get out of my way."" "You're never beaten until you admit it" "Always do everything you a...
by Sheepdog
Wed Jun 05, 2019 3:21 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 40
Views: 3423

Re: June 6, 1944 D Day and General Patton

Several days ago, the Washington Post published an article written by one of its staff writers, about his grandfather's secret D-Day diary. The article is well worth reading: https://www.washingtonpost.com/news/magazine/wp/2019/05/30/feature/my-grandfathers-secret-d-day-journal/?utm_term=.8f992d6fd...
by Sheepdog
Tue Jun 04, 2019 3:14 pm
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 40
Views: 3423

June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]

[Thread updated, see below. --admin LadyGeek] The 75th anniversary of D Day, 6/6/44, the beginning of the end of the war with Nazi Germany, occurred when the Allies landed on the beaches of Normandy France.. Many thousands died on both sides in the following months. (side note:One of our Bogleheads...
by Sheepdog
Sat Jun 01, 2019 11:51 pm
Forum: Investing - Theory, News & General
Topic: [Longevity effects of The Great Depression on investing]
Replies: 25
Views: 1383

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

... Actually I do not accept your assertion that the Great Depression ended in 1933. ... ... So I'm not sure where the 10 years is coming from. Can you provide a link or some source material as I have faithfully done? Honorable Bogleheads, you may intend for your exchange to be friendly. If so, the...
by Sheepdog
Sat Jun 01, 2019 11:48 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11971

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

Oh yeah, some SPIAs also. How have then done wrt holding real value? Did you buy inflation protection? I purchased 3 SPIAs in years 2012, 2013 and 2016 when I was 79, 80 and 83 (now 85+). I purchased these for some guaranteed steady monthly receipts mainly so my wife will have regular receipts to o...
by Sheepdog
Sat Jun 01, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: How long does it take to come out of a major downtunr?
Replies: 30
Views: 3010

Re: How long does it take to come out of a major downtunr?

Why not panic in downturns? Many do after all, but history says that they lose in the long run. From a book by John Merrill, "Outperforming the Market" is a table showing that a diversified portfolio of stocks, bonds, and cash, and held for approximately five years, would have enabled an investor to...
by Sheepdog
Sat Jun 01, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11971

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

Sandtrap, I always appreciate your comments and advice here. This thread is an excellent example. You are a needed resource for the rest of us and especially those who may feel uncomfortable with high stock allocations and some might have been reluctant to contribute because they do prefer lower. Fo...
by Sheepdog
Fri May 31, 2019 3:48 am
Forum: Personal Finance (Not Investing)
Topic: Older retirees: Are your expenses lower now than in early retirement?
Replies: 49
Views: 6220

Re: Older retirees: Do you have lower expenses now than you did in early retirement?

In my 20 plus years in retirement (now age 85 and climbing.) I found that our "personal inflation" was less than the CPI, less because our expense categories do not follow the CPI categories. We live off of savings and SS only (no pension payments as I took that pension as a lump sum.). Here is our ...
by Sheepdog
Tue May 28, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8570

Re: No more print Money magazine

Bogleheads: For many years, once a month, I would spend Sunday's at the Miami Public Library reading financial magazines, financial news letters, and the updated five inch thick Morningstar binder. Money was my favorite magazine. I will miss it. Best wishes. Taylor Me too, Taylor. Me too.
by Sheepdog
Tue May 21, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when you have enough?
Replies: 31
Views: 4003

Re: What to do when you have enough?

Is there something which she has always wanted to do and never could or would like a month around the world cruise. Buy and drive a Maserati..... Would she like to donate to someone or some group which she would like to help and make a good name for herself and do some good with her good fortune? Th...
by Sheepdog
Sat May 18, 2019 6:08 am
Forum: Personal Investments
Topic: RMD taxes
Replies: 9
Views: 865

Re: RMD taxes

Any amount you donate from a traditional IRA directly to a qualified charity is not taxed, so if you give to charities, take it from your IRA before you withdraw your RMD
by Sheepdog
Thu May 16, 2019 9:02 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 346
Views: 169794

Re: Thank you all..this is what I am doing

Thank you all so very much for talking to me. It helped being reminded what I have said in the past. This is what I did and why. If I had followed the advice of many here, and sometimes myself, I would have kept 3 to 5 years of normal annual distribution for expenses in cash so that when times like...
by Sheepdog
Wed May 15, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 346
Views: 169794

Re: I can't believe I am thinking this

this was painfull for me to read. i hope never to be in this situation. How can anyone carry all this weight alone for so many years, why? Is not your wife/husband/significant other there for support? Why not share this with them and go through tough times together? Keeping it all inside, i could n...
by Sheepdog
Tue May 14, 2019 6:26 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10457

Re: Does your retirement plan work if stocks are flat or in decline for decades?

Mine is working and would. I am in my 21st year in retirement. I don't put money at risk in stocks while in retirement which I will need in the next 3 to 5 years and the remainder is invested conservatively with just enough stocks to go along with bonds to maintain income. Because I have enough to l...
by Sheepdog
Sun May 12, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Pension-Annuity or Lump dilemma
Replies: 12
Views: 964

Re: Retirement Pension-Annuity or Lump dilemma

History of my 1998 pension $222,283 lump-sum rollover to IRA (10/29/1998 to 12/31/2017---19+ years) My present age is 84. I could have taken an annuity payment instead which would have been $1479.39 per month, not adjusted for inflation. That would last for both of our lives. History: 10/29/1998 $22...
by Sheepdog
Fri May 10, 2019 3:08 am
Forum: Investing - Theory, News & General
Topic: Active Vanguard Funds besting index by 90 basis points (past 10 yrs)
Replies: 19
Views: 3364

Re: Active Vanguard Funds besting index by 90 basis points (past 10 yrs)

It's one thing finding the best active funds from the hundreds out there for the last 10 years, but it's another thing finding the best active funds for the next 10 years. The last 10 years for an active fund does not necessarily equate to the next 10 years. Index funds are reliable.
by Sheepdog
Mon Apr 29, 2019 6:19 am
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 137
Views: 27365

Re: When do you notice the compounding at work?

I really notice compounding at work when I look at the present value of my I Bonds purchased in the early 2000s. Example, the $10,000 worth of $500 bonds purchased in May 2000, earning a safe 3.6% plus inflation, is worth today $29,492 and will be worth on May 1, 2019 $29,640 and in just a few month...
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: 4541

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: 3718

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: 37
Views: 5260

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: 3718

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: 1776

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: 4918

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: 1268

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: 14541

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: 14541

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: 4245

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: 3957

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: 3957

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: 3957

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: 3043

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: 13312

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: 8004

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: 1098

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: 14672

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: 9722

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: 8384

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: 8384

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: 8971

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: 3831

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: 1396

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: 467

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: 1347

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: 4894

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: 4114

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: 2544

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 ...