Search found 4963 matches

by Sheepdog
Thu Jun 21, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 62
Views: 3095

Re: What is/ was your career and would you recommend it now?

Chemical Engineer, then chemical (paints and resins) factory management. It was a good career and I would do it again. Factory and union supervision were never a problem; to the contrary, human relations was rewarding. Factory management is different today in regards to employee (sorry...team member...
by Sheepdog
Sun Jun 17, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7191

Re: Which Supermarket are you?

matatupuncher wrote:
Sun Jun 17, 2018 1:33 pm
I'm in Central Africa so my "super market" options are limited to Simba and Naukumatt. I occasionally use those two but mostly use a corner market or send my yard boy to get what I need at the local market.
I am MY yard boy.
by Sheepdog
Sun Jun 17, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7191

$24

Aldi #1. A new one just opened 3 weeks ago here which is considerably larger and better stocked than the previous one Kroger #2. I can't get everything at Aldi, so i finish shopping at Kroger on the same day. For your possible interest. I ran a prices comparison for 10 staple items 3 weeks ago to co...
by Sheepdog
Sat Jun 16, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Long time retirees: how much do you really need?
Replies: 12
Views: 3309

Re: Long time retirees: how much do you really need?

I have found that retirement expenses are more variable from year to year than my annual expenses were when working. There are different financial episodes in retirement and many are unpredictable. IE: home upgrades, health expenses (big one), and so forth. It helps to have a substantial cash cushi...
by Sheepdog
Sat Jun 16, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Long time retirees: how much do you really need?
Replies: 12
Views: 3309

Re: Long time retirees: how much do you really need?

I have copied and updated multiple past comments on this subject. How much did I need? All of us are different, I have been retired just 3 months shy of 20 years, now 84+. I am giving you my retirement planning prior to retirement and the results over these years.which may give you some ideas on man...
by Sheepdog
Fri Jun 15, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

Today is the first day of my retirement! Up at 4:30 am, drank coffee, read news and this website Workout at 5:30 am, getting ready to run a 4 mile road race on Father's Day Came home and drank espresso from my new Moca Pot (Thanks to Bogleheads for the Mother's Day present idea!) Thinned the perenn...
by Sheepdog
Fri Jun 15, 2018 3:36 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

Thursday 7 am attended my breakfast Rotary meeting. I'm a 40 year member. Good attendance with good fellowship. Nice program today.Looked over and trimmed my vegetable and flower gardens. They are doing good this year. Fed the goldfish Cut my half acre lawn with my walk behind mower. Not too hot tod...
by Sheepdog
Wed Jun 13, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2441

Re: Chipmunk Repellent?

A neighbor's cat runs loose and loves to hunt (and sometimes leaves one on my back deck as a 'present'). He/she has taken care of all of our chipmunks, mice and moles. I mean we used to have major problems with all of those, but for 4 or 5 years, no more.
by Sheepdog
Wed Jun 13, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 41
Views: 5828

Re: Vaguard - You'll need to sign up for security codes soon

My wife won't touch a computer or a smartphone. I use my email address for both of our accounts. Will I get in trouble with Vanguard for using my phone number for her security codes? Same here. My wife has never used a smartphone or computer, so I do everything for both with the same numbers. (I wi...
by Sheepdog
Wed Jun 13, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

I've read where some car rental agencies won't let you rent a car if age 70 or above, is that true? That would be an age-related deterrent if true. I want to continue renting cars at that age. I have never read of a problem in auto rental in the U.S., but in some countries I read that there may be ...
by Sheepdog
Tue Jun 12, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

Very interesting to hear what folks are doing. Wonder what age most of you are. I have the the feeling that the 60s are pretty good with activities and maybe early 70s. How many are still on the move older than that? Seems like the mid-70s are the watershed and things slow down a lot then. sheepdog...
by Sheepdog
Mon Jun 11, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

Since you wrote this yesterday, Sunday, I will write what I did (beyond being on Bogleheads some). I am in my 20th year in retirement, soon to be 85. Retirement has been good. Yesterday, after sleeping in late, I made coffee and prepared pancakes and link sausages for my wife and me, complete with g...
by Sheepdog
Fri Jun 08, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3774

Re: Death - Prediction

You point the finger at pharmaceuticals, just remember though, those same companies are the ones actually taking the risks to discover these molecules that save your life, the others, well they are just "fluff". I used to believe that stuff about the staggering price increases being needed to cover...
by Sheepdog
Fri Jun 08, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3774

Re: Death - Prediction

Yours is the most interesting reply to me. Blacktopping, weekly cutting a half-acre, cleaning gutters (very old dude on a 12' foot ladder - great ...). At 85, why? Isn't there anything else you want to explore before moving into the Great Dark? Your time, as you seem to understand well, is running ...
by Sheepdog
Fri Jun 08, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3774

Re: Death - Prediction

My personal hope is that I die one day after my disabled son, who is expected to have a normal lifespan. Without family/friends, all the money in the world will not protect him after I/his mother are gone. As the saying goes, "life sucks, and then you die". Reality is brutal, sometimes. - Ron Ron, ...
by Sheepdog
Fri Jun 08, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 34
Views: 2830

Re: Maturing Credit Union 3% CD's this year

I also have those Penfed 3% 5 year CDs maturing at the end of the year. They sent me an email yesterday that they are offering to members 2.25% 1 year and 3% 5 year CDs once again.
by Sheepdog
Fri Jun 08, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3774

Re: Death - Prediction

Who? Me? Predict? Silly exercise for me. I had a heart attack just before reaching 65. My prediction then? Less than 10 years. And, my father died at 61, my sister at 73. Silly exercise. Now I am 85, just 2 days ago blacktop coated my 3000 sq. ft driveway, cleaned the gutters, cut my 1/2 acre lawn w...
by Sheepdog
Sat Jun 02, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 42
Views: 3318

Re: 6 hour layover on Heathrow

Have a laptop computer with you and search youtube for London Sightseeing. Have a drink or two with some food while occasionally looking up to watch the many different people going by and your 6 hours will pass fast while you are seeing London and the people going to and from London.
by Sheepdog
Fri Jun 01, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3489

Re: Sherwin Williams paint

Had a problem with peeling exterior paint, actually solid stain (on cedar claps). Hired a professional painter who liked SW "Duration" at $70 gallon. He said he actually didn't like to use it because it lasted so long he never got called back to repaint down the road. He did adequate prep; scraping...
by Sheepdog
Wed May 30, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3570

Re: My Medigap Plan G went from 115 to 251

I just got my renewal notice from Equitable of Salt Lake. I was expecting an increase of about 15 as in years past. I checked out the Medicare site and when you search on Plan G insurers Equitable doesn't even show up, like they're not offering it anymore so what's going on. It started out very rea...
by Sheepdog
Tue May 29, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3563

Re: New roof - does this ridge vent look right?

You've all confirmed what I knew already. This should be fun. They've already inspected it and say it is right. They say it will not leak and that if it hasn't leaked with our spring rains, then I'm fine. But it's not even straight! Why is this even a debate? Oh yeah. $$$$$ Ask them to put in writi...
by Sheepdog
Tue May 29, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3563

Re: New roof - does this ridge vent look right?

I would not be happy with that at all. As a builder, contractor, homeowner, or carpenter. j :D Agree and I will say that again. Never have I seen a ridge vent that looks like that. Trashy. Keep these photos and copies of all communications with the company in case you have to see your lawyer.
by Sheepdog
Mon May 28, 2018 8:26 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2509

Re: MEMORIAL DAY 2018

Thank you to all who have served this country, especially those who were wounded and/or died in their service.
by Sheepdog
Sun May 27, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 51
Views: 10085

Re: Missing my Microsoft Money - any equivalents?

I'd really like Microsoft to bring back MSMoney or opensource it for continued growth as I think there is still a decent amount of hidden users that still have this as their main software. This long post is my attempt to bring some light into this hidden world. Hopefully it helps others with their ...
by Sheepdog
Sun May 27, 2018 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7477

Doomsday talk. The title here says "Living on Your Investments" . Theory and real life meets here where I live on my investments. Lets get to a real life illustration....one which includes stocks, bonds and cash. I retired on 10/2/1998 at age 65, not with the S&P 500 as my investment, but 56% stock,...
by Sheepdog
Sat May 26, 2018 4:05 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 54
Views: 4499

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

How much is invested? How much income do they expect from that? 2% CDs or stocks and bonds at whatever allocation? How much do they spend each year for normal expenses? Only from that can they, or any of us, make a reasonable estimate of their withdrawal rate. They can decide on any rate they wish, ...
by Sheepdog
Fri May 25, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal
Replies: 23
Views: 2706

Re: Variable Percentage Withdrawal

May I repeat my almost 20 year successful VPW system and history? My withdrawal rate history has certainly oscillated, but that was expected, so planned for. For me, planning for a big vacation in Europe or Asia, new autos, or buying and maintaining a lake cottage (all of which are in our history), ...
by Sheepdog
Sat May 19, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6126

Re: What’s your phone/internet bill?

Land line and internet which includes modem $74.91 monthly (Frontier)
Cell phone $93.21 annually (Tracfone) (never use the allowed minutes voice or text)
by Sheepdog
Fri May 18, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 665

Re: looking for simple smart phone - anyone use Jitterbug

I am doing more than fine with my Samsung smart phone provided by Tracfone and have had it for 3 or 4 years. It is small and cheap to buy and use. I seldom use it for texting....maybe only 3 or 4 times a year, but it could do a lot more. (I don't like to text....I would rather talk personally of ema...
by Sheepdog
Thu May 17, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2690

Re: What would you do? takes 6 months to fix a Tesla Model S

:confused [OT comment removed by moderator prudent] We have owned a Tesla Model S now going on 6 years and it has had a few collisions, ... I'm trying to imagine owning a Tesla (or any car) and colliding in it "a few" times over 6 years. :shock: Me too. I have been driving for 65 years with only one...
by Sheepdog
Wed May 16, 2018 2:50 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11578

Re: The front page is wondeful

Hey sheepdog, this year is the 20 year anniversary of your retirement! How is it going? Hey, thanks for thinking of that. On October 2, just before the annual Boglehead's conference, that will be my 20th anniversary. Things are doing great. I have plenty of dough, am healthy, volunteering with kids...
by Sheepdog
Mon May 14, 2018 7:25 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11578

Re: The front page is wondeful

The purpose of the site is to provide an area for discussion of investing and personal finance. I can't see how that purpose would be served by adding needless decoration or annoying animation. Well written. This site is beautiful in content, so that makes it beautiful to the eye. The front page is...
by Sheepdog
Sun May 13, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17396

Re: What Percentage CASH are you?

Age 84+..15.7% cash and cash equivalents. (Cash equivalents include short term bonds, fixed term SPIAs, and CDs coming due within a year.) If I were to include I bonds, it would be 36%
by Sheepdog
Fri May 11, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2669

Re: Happy 89th birthday to [Jack] Bogle

Happy 89th Mr Bogle. It is wonderful how much your life has meant for so many.
by Sheepdog
Fri May 11, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Using Vanguard Wellesley for Emergency Fund $30k, reinvest dividends in taxable???
Replies: 9
Views: 1439

Re: Using Vanguard Wellesley for Emergency Fund $30k, reinvest dividends in taxable???

nisiprius, A sane person could decide to take the risk, just don't let the "30 day SEC yield 3.17%, bank only pays 1.6%" part blind you to the "might lose 20%" part. Your fine description of what did and could happen in a market downturn is another good reason why we are so fortunate to have you be ...
by Sheepdog
Fri May 11, 2018 12:35 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 68
Views: 11720

Re: Savings Bond Wizard to be eliminated 5/18

I moved my SB Wizard inventories to the SB Calculator over the weekend. The transfer went without a problem and the saved file opened up later without a hitch. In terms of functionality the SB Calculator seems to do everything I used SB Wizard for so no worries there. At least for me this was as pa...
by Sheepdog
Thu May 10, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5683

Re: What's the view on dogs running free?

I probably could make a comment, but I shouldn't except to say "Arf Arf".
Sheepdog
by Sheepdog
Wed May 09, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1166

Re: annualcreditreport

For free you can receive one report per year per person. My wife and I receive one each, spaced two months apart so that we receive 6 reports a year total. Isn't that enough? I'm not seeing the benefit of this scheme. Your wife's and your credit records are independent, right? Why not run two credi...
by Sheepdog
Tue May 08, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1166

Re: annualcreditreport

randompacking wrote:
Tue May 08, 2018 8:12 am
has anyone tried to do more than 3 per year through the annualcreditreport website?
Yes, I did several years ago one time and was denied.
by Sheepdog
Tue May 08, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1166

Re: annualcreditreport

For free you can receive one report per year per person. My wife and I receive one each, spaced two months apart so that we receive 6 reports a year total. Isn't that enough?
by Sheepdog
Tue May 08, 2018 5:18 am
Forum: Investing - Help with Personal Investments
Topic: When did you start drawing profits from taxable?
Replies: 48
Views: 3412

Re: When did you start drawing profits from taxable?

I retired in October 1998 and started withdrawing from taxable the next month to meet expense needs to add to Social Security receipts, not just from their profits, but the taxable investments themselves. At that time, in my future tax planning, my goal was to reduce much of my taxable accounts. I d...
by Sheepdog
Mon May 07, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 1444

Re: Family Vacation in Late Feb

With kids I loved on a beach..on an island or mainland where I could rent a condo or preferably a house. You can even find one with a boat for fishing (fun) perhaps on the east coast inland waterway or on the Gulf in Florida or Atlantic in Florida. From there you could drive to spend a day or two at...
by Sheepdog
Sun May 06, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4589

Re: AMC Movie Theaters -- typical OR not?

Prices seemed reasonable: $30 for three of us. Whoa! Atypical. Are you posting from the 1990s? I don't know if you can get into a discount theater for much under $10 around here. Sounds like a great experience. Hope the movie was fun, too. The "upscale" theaters in my neighborhood are showing their...
by Sheepdog
Sat May 05, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9581

Re: Warning: avoid Windows 10 update 1803

I have 2 computers...Would you believe I never have any problems? One is a Windows 7 and the other is on Windows XP which is in a 2002 year model Dell used almost daily for 16 years. And, the latter has not had any updates available for years. The doom and gloom stories of continuing to use it have ...
by Sheepdog
Fri May 04, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 2677

Re: My first week of cycling in Slovenia and Croatia

I was wondering where I would vacation. You are taking me there with just your words. Thank you.
by Sheepdog
Thu May 03, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards being mailed now - check your status
Replies: 5
Views: 439

Re: New Medicare cards being mailed now - check your status

Has anyone heard whether the new Medicare cards will be made more durable than the current cards. Something like a plastic card or at least a laminated paper would be a good idea I think. It is paper as I have read. Perhaps you may wish to put it into a plastic sheath yourself. I will not be using ...
by Sheepdog
Thu May 03, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards being mailed now - check your status
Replies: 5
Views: 439

Re: New Medicare cards being mailed now - check your status

CABob wrote:
Thu May 03, 2018 11:05 am
Has anyone heard whether the new Medicare cards will be made more durable than the current cards. Something like a plastic card or at least a laminated paper would be a good idea I think.
It is paper as I have read. Perhaps you may wish to put it into a plastic sheath yourself.
by Sheepdog
Wed May 02, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4260

Re: Ally asking CURRENT customer to provide SSN card?

My banks requires my SS number if for no other reason than to issue 1099 iNTs. In addition, a quick Google asking your question, I came up with this Why Your Bank Wants to Know Your Social Security Number https://www.depositaccounts.com/blog/bank-social-security-number.html It’s all about numbers – ...
by Sheepdog
Wed May 02, 2018 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 1904

Re: Savings bond Wizard says Rate N/A for I bonds

Comment for Sport: See the other thread which I posted earlier https://www.bogleheads.org/forum/viewtopic.php?f=2&t=248455&newpost=3907993&view=unread#unread . Do click on "VIEW ALL" to see your full inventory. I followed those instructions. I do not see a "view all" button on the html summary page...
by Sheepdog
Tue May 01, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 1904

Re: Savings bond Wizard says Rate N/A for I bonds

Comment for Sport: See the other thread which I posted earlier viewtopic.php?f=2&t=248455&newpost=3907 ... ead#unread . Do click on "VIEW ALL" to see your full inventory.