Search found 5114 matches

by Sheepdog
Mon Oct 15, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: "Turn Off The Financial News"
Replies: 13
Views: 1801

Re: "Turn Off The Financial News"

Yes. Turn them off.
by Sheepdog
Mon Oct 15, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 73
Views: 3406

Re: How Much Is Your Sewer Bill?

Small - medium city in Indiana Cost per month average 2017 and 2018 ytd: Sewage 33.24 Water 35.90 I use a fair amount of water for gardening. I get a sewage credit annually for the difference between the average growing season water usage and the non growing season months because the water used for ...
by Sheepdog
Thu Oct 11, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits up 2.8% in 2019
Replies: 19
Views: 2399

Re: Social Security benefits up 2.8% in 2019

That is true, and you are doing the right thing. But just because you are frugal and spending less does not mean that you are earning a real return. If I switch from steak to hamburger meat because both prices went up, I don't dodge inflation. I know what my spending history and for what purposes.....
by Sheepdog
Thu Oct 11, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits up 2.8% in 2019
Replies: 19
Views: 2399

Re: Social Security benefits up 2.8% in 2019

Social security benefits are indexed to inflation. Thus I assume a 2.8% increase is actually a zero increase in "real terms". "Look forward to" is misleading, unless your expenses are inflating at below the index level. Many retiree's inflation is less than the CPI. Mine has been much less than the...
by Sheepdog
Thu Oct 11, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits up 2.8% in 2019
Replies: 19
Views: 2399

Social Security benefits up 2.8% in 2019

Just in https://www.marketwatch.com/story/social-security-beneficiaries-set-to-get-biggest-bump-in-seven-years-2018-10-10?mod=MW_story_top_stories Retired Americans who collect Social Security can look forward in 2019 to the biggest increase in benefits in seven years. Retirement benefits are slated...
by Sheepdog
Wed Oct 10, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: No increase in LTC Insurance Premiums again this year
Replies: 7
Views: 768

Re: No increase in LTC Insurance Premiums again this year

My wife's (age 78) Genworth LTC policy (from 1999) did not have a premium increase this year or last. (They would not issue me one back then.) Why wouldn't they issue a policy for you? There was something in my health file, I was told. The agent was surprised...so he said. He couldn't tell me the e...
by Sheepdog
Tue Oct 09, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: No increase in LTC Insurance Premiums again this year
Replies: 7
Views: 768

Re: No increase in LTC Insurance Premiums again this year

My wife's (age 78) Genworth LTC policy (from 1999) did not have a premium increase this year or last. (They would not issue me one back then.)
by Sheepdog
Tue Oct 09, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3801

Re: Neighbors tree branch growing too close to my house

Ladder and a chainsaw should take care of the invading tree limb. Agree with this and what I did. But be careful on the ladder with the chainsaw. Agree also. I have pruned neighbors trees several times over the years on my side. I even have an extended (about 10') gas chain saw for trimming trees s...
by Sheepdog
Fri Oct 05, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 185
Views: 9212

Re: Alan Roth doesn't like single premium annuities

For me and my wife, SPIAs are peace of mind contracts, not investments. That is more than profitable for our savings.
I waited until I reached my 80s to buy mine so in actuality I don't have a lot of time to lose
by Sheepdog
Fri Oct 05, 2018 10:29 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Conference by Jason Zweig
Replies: 6
Views: 1222

Bogleheads Conference by Jason Zweig

Do read this nice WSJ story about the current Bogleheads Conference in Philadelphia. "Jack Bogle's Bogleheads Keep Investing Simple. You Should Too." https://www.msn.com/en-us/money/savingandinvesting/jack-bogles-bogleheads-keep-investing-simple-you-should-too/ar-BBO00g7?li=BBnbfcN This week, 200 in...
by Sheepdog
Fri Oct 05, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum or Monthly Pension?
Replies: 11
Views: 997

Re: Lump Sum or Monthly Pension?

There have been many conversations here on your subject. You can search to read what was said then. I took a lump sum instead of the pension in 1998. I will copy what I wrote early this year showing my history through 12/31/2017 https://www.bogleheads.org/forum/viewtopic.php?f=2&t=241199 History of ...
by Sheepdog
Tue Oct 02, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 3
Views: 864

PenFed new savings rates

PenFed announced 3.3% 5 year and 2.6% 1 year certificates https://www.penfed.org/accounts/certifi ... _-10312018

corrected
by Sheepdog
Tue Oct 02, 2018 4:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998
Replies: 47
Views: 6557

Re: Retirement Class of 1998

It will be 20 years of a successful retirement today for me.. :sharebeer :moneybag 8-)
For all of you I wish you my good fortune.
To those going to the Bogleheads Conference beginning tomorrow, have a good show.
Thank you all.
Jim
by Sheepdog
Fri Sep 28, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for My First Recession?
Replies: 63
Views: 7249

Re: Preparing for My First Recession?

Welcome. I will copy what I wrote at the height of the 2008-09 recession in October 2008 when I was in a panic mode. Reading that thread with many great comments from many Bogleheads over several years may give you ideas: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=25126&start=150 What is ...
by Sheepdog
Wed Sep 26, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 85
Views: 11836

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

My recalled air bag was replaced today and I returned the Ford paid rental auto.
by Sheepdog
Tue Sep 25, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is Everyone Still Positive on Wellesley?
Replies: 12
Views: 1965

Re: Is Everyone Still Positive on Wellesley?

It is my main investment vehicle in retirement and has been for 20 years. 6 years with a loss in 40 plus years, I believe Yes, I am still positive.
by Sheepdog
Tue Sep 25, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4165

Re: Which type of Primary Care Physician?

If you find your PCP and he/she can diagnose your problem and knows good specialists to refer you to, you are very fortunate. I found mine. For example I ran a half marathon 10 years ago at 77.. My legs turned technicolor. He saw me immediately when I reported in and he referred me to a specialist f...
by Sheepdog
Tue Sep 25, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: One ear weak, one good: Get hearing aid? 91-year old
Replies: 8
Views: 667

Re: One ear weak, one good: Get hearing aid? 91-year old

That's a personal decision of comfort. 5 years ago at about age 80 I was tested at 5% left and 55% right hearing I started with just the left. The Audiologist suggested that I should have both, but I was being cheap. Four months later I went to both ears. For me, balanced hearing was more pleasant. ...
by Sheepdog
Wed Sep 19, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11622

Re: Did you really have something to retire to?

20 years ago, my retirement plan was to retire and enjoy life. I can do anything I and my wife would like to do.....anything. Don't you think that was something great to retire to?
by Sheepdog
Fri Sep 14, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11704

Re: Age in Bonds - Still Recommended?

Invest in what makes YOU comfortable, not what makes others comfortable. Age in bonds worked fine for me and my psyche and my retirement funding.
I found hitting singles and walks took me around the bases with less strikeouts..
by Sheepdog
Fri Sep 14, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 29
Views: 4709

Re: 40/60 allocation returns ytd

Wellesley holders might want to think about busting out of the single-fund approach... That's not how most Wellesley investors roll. :D The W/W fund holders are in them for the long long haul. A season of soft performance doesn't mean much. (Wellington fund holder here, so I'm projecting a little.)...
by Sheepdog
Tue Sep 11, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 3999

Re: How often do you guys get alignment done on your cars?

mhc wrote:
Tue Sep 11, 2018 4:17 pm
Every time I have my carburetor cleaned.
:D
by Sheepdog
Tue Sep 11, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 3999

Re: How often do you guys get alignment done on your cars?

flyingaway wrote:
Tue Sep 11, 2018 3:53 pm
Never!
ditto
by Sheepdog
Tue Sep 11, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 85
Views: 11836

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

In my case Enterprise told me that Ford was NOT paying insurance. You should contact Ford to confirm that they are not PROVIDING insurance. They maybe covering you on their own and not paying Enterprise. That's the way rentals worked when I was traveling on business. My company PROVIDED coverage bu...
by Sheepdog
Sun Sep 09, 2018 4:56 am
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4218

Re: Switching Careers - From IT to Police Officer

Thank you for considering protecting us, our families, our homes and neighborhoods. If is a special occupation and public service. You know the dangers. I, as a citizen and neighbor, know the dangers you may face to protect me and mine from having to face those dangers ourselves. God bless you for c...
by Sheepdog
Thu Sep 06, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8272

Re: Scaring the Old Folks

Did anyone see this? http://www.marketwatch.com/story/youre-probably-going-to-need-a-lot-more-than-you-think-to-retire-2018-09-06 The article seems to make some rather foolish assumptions, chief among them, after I retire I will not change my spending habits at all. Eating out 3X a week? That seems...
by Sheepdog
Wed Sep 05, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing annuity for wife
Replies: 21
Views: 2234

Re: Purchasing annuity for wife

I understand you. My wife does nothing with investing. Everything is written down to help her. Earlier this year on this jags4186 thread https://www.bogleheads.org/forum/viewtopic.php?f=2&t=222620&start=50 I made a comment last year on this thread where I wrote that my wife does not use a computer o...
by Sheepdog
Tue Sep 04, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9880

Re: What will you do when you find you have more money than expected?

First I would like to be able to fund any long term care in a good facility for the length of time required for my wife and/or me. Beyond that, #2
by Sheepdog
Tue Sep 04, 2018 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Tax Deductions
Replies: 46
Views: 3532

Re: Charitable Tax Deductions

mouses wrote:
Tue Sep 04, 2018 12:03 am

I keep my charitable donations about the same each year plus an increase for inflation. I did a dry run after the new tax law, and my taxes will increase $1K to $2K for this year.
Same here
by Sheepdog
Mon Sep 03, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for an 87-year-old?
Replies: 36
Views: 2185

Re: Advice for an 87-year-old?

I'm just a child of 85. What do I know? If my sons offered to advise me on what to do with my money, I would just say thanks, but no thanks, I am just fine the way things are. After all, I have given them an occasional tip, like those 3.0 to 3.6% I bonds in the early 2000s and they ignored me comple...
by Sheepdog
Mon Sep 03, 2018 7:04 am
Forum: Investing - Theory, News & General
Topic: Retirees who went before me: Does a glidepath really work
Replies: 24
Views: 3208

Re: Retirees who went before me: Does a glidepath really work

I am one of the most conservative invested Boglehead. I am risk averse (probably caused by my being a child of the Great Depression), but safely so. In one month I will have been retired 20 years. I invest conservatively, live off of my savings and SS very well and have watched it not just maintain,...
by Sheepdog
Sun Sep 02, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Under insured motorist insurance
Replies: 19
Views: 1046

Re: Under insured motorist insurance

Your health insurance doe not pay for the medical expenses of unrelated passengers who are injured. Your health insurance will not pay for "pain and suffering" and for most of the restrictions of life you may incur from an at fault driver who carries inadequate liability insurance. Thank you for yo...
by Sheepdog
Sun Sep 02, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Under insured motorist insurance
Replies: 19
Views: 1046

Re: Under insured motorist insurance

I've received some advice from a local injury attorney that he believes everyone should carry underinsured motorist (UIM) policy. I do not buy this coverage. My philosophy is to insure only for events that will affect my finances in a substantial way. Most UM coverage limits that I have been offere...
by Sheepdog
Fri Aug 31, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: QCDs from RMD - 1099R [Qualified Charitable Distributions]
Replies: 44
Views: 1835

Re: QCDs from RMD - 1099R [Qualified Charitable Distributions]

[ Sheepdog -- You may be right. But how do you know for sure? I haven't seen anything in writing on this question. After all, when the taxpayer writes the check out of the IRA account/fund and mails it to the charity, the trustee is not involved at all in the transaction. Does this method still con...
by Sheepdog
Thu Aug 30, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from RMD - 1099R [Qualified Charitable Distributions]
Replies: 44
Views: 1835

Re: QCDs from RMD - 1099R [Qualified Charitable Distributions]

Writing checks might not qualify. IRC section 408(d)(8) defines a QCD as a distribution from an IRA that satisfies 2 criteria: 1. Paid after the IRA owner reaches age 70.5, and 2. " made directly by the trustee to an organization described in section 170(b)(1)(A )" Writing a check from a fund in th...
by Sheepdog
Thu Aug 30, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from RMD - 1099R [Qualified Charitable Distributions]
Replies: 44
Views: 1835

Re: QCDs from RMD - 1099R [Qualified Charitable Distributions]

Vanguard does it that way also. For example, in 2017 on my IRA 1099R my entire distribution is shown as "taxable" while half of it was actually QCDs. Some of the QCDs were submitted to the charity with checks from Vanguard and the rest were donated by IRA checks I wrote . (emphasis added) Wow! This...
by Sheepdog
Thu Aug 30, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from RMD - 1099R [Qualified Charitable Distributions]
Replies: 44
Views: 1835

Re: QCDs from RMD - 1099R [Qualified Charitable Distributions]

Vanguard does it that way also. For example, in 2017 on my IRA 1099R my entire distribution is shown as "taxable" while half of it was actually QCDs. Some of the QCDs were submitted to the charity with checks from Vanguard and the rest were donated by IRA checks I wrote. There's no way Vanguard woul...
by Sheepdog
Mon Aug 27, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Yeesh. Car damage right before lease end
Replies: 13
Views: 1855

Re: Yeesh. Car damage right before lease end

I would be upfront with the dealer and tell them you will have it repaired (via your insurance). Maybe your dealer will have it repaired in their shop via your insurance.
Things happen.
by Sheepdog
Mon Aug 27, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Need a cheap smartphone - no service needed
Replies: 29
Views: 2383

Re: Need a cheap smartphone - no service needed

'
delamer wrote:
Fri Aug 24, 2018 1:10 pm
Have you considered a tablet instead?
I use a 7 inch tablet which does everything you want and the 7 inch size fits in all of my hand side pants pockets.
by Sheepdog
Mon Aug 27, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Power window problem
Replies: 13
Views: 963

Re: Power window problem

Could it be just a fuse?
by Sheepdog
Sat Aug 25, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Rant - Why is everything so poorly made today
Replies: 12
Views: 1102

Re: Rant - Why is everything so poorly made today

Yes, many things are made cheaply today. They always have been. In my pre WWII youth, people would say "don't buy that cheap Japanese stuff" (times changed,huh?) A 2 minute search for checkers on line led to Amazon with a black and natural wooden checker set with an 89% 5 star customer ratings, (27 ...
by Sheepdog
Fri Aug 24, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 62
Views: 5742

Re: Am I Wrong for being 100% Equities ?

In YOUR mind....if in the next six months the value of your stocks has dropped 50% (if could) and you don't know for sure when it will go back up, how would that affect you?
by Sheepdog
Wed Aug 22, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired still need to plan
Replies: 21
Views: 1741

Re: Already retired still need to plan

SJM, it really helps Bogleheads to write out the description for your investments because it takes so much time to look them up. You are likely to get more responses because of that.
by Sheepdog
Tue Aug 21, 2018 1:07 am
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 38
Views: 4008

Re: How do you pay for purchase of a vehicle in retirement?

I’m a long ways from retiring, but it seems like most married people are still driving two cars in retirement based on the posts here. Wouldn’t it make sense to go to a single car? I guess it depends on your lifestyle, but it seems like an easy way to free up $500+ monthly whether you’re making a p...
by Sheepdog
Mon Aug 20, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5139

Re: Do you go for annual Medicare preventive tests and screening?

Annual physical or special Medicare test? No, per se. I visit my primary care physician every 3 or 4 months. He checks me out and asks questions. I ask questions too. He orders lab tests for the next scheduled visit 2 or 3 times a year. He does not believe in asking for xrays or similar testing unle...
by Sheepdog
Mon Aug 20, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 38
Views: 4008

Re: How do you pay for purchase of a vehicle in retirement?

I purchase from my planned saving's investments "cash" accounts from which I receive all spending needs. We have 2 cars and usually replace each one about every 8 years with 1 or 2 year old used ones with less than 15000 miles on them and paid with cash.
by Sheepdog
Mon Aug 20, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3798

Re: Retirees: Timing your withdrawals

Retired now for 20 years where all expense needs come from investments and SS only, so I need to withdraw over the year. Taxes, as someone already mentioned, is part of the equation, so is the health of the stock markets (can you remember 2008-09?). Actually, it has not been really difficult to make...
by Sheepdog
Thu Aug 16, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3178

Re: Celebrating the day you retired

That was how I celebrated the day I retired. I am still celebrating although the factory has since closed. Thank God, I wasn't there when it happened. About 6 months after I retired, the company announced the closure of the manufacturing process I formerly managed. A few months later, they asked if...
by Sheepdog
Thu Aug 16, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 63
Views: 5608

Re: Bullish/bearish on GE? Make your case here - new lows today

The last year I bought and held GE was at a time I considered that the company was basically a mutual fund since it owned so many businesses . I owned it before 1996. Looking back in my records since 1998 it was 73 3/8 on 1/1/98 and 102.00 on 1/1/99 and 154.00 on 1/1/00 and then there was a 3 for 1 ...
by Sheepdog
Thu Aug 16, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3178

Re: Celebrating the day you retired

Old Guy wrote:
Thu Aug 16, 2018 1:37 pm
The next day we went to Aruba for two weeks.
That looks GREAT.
Old Guy (2)