Search found 4789 matches

by Sheepdog
Tue Jan 16, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 299
Views: 21067

Re: What frugal thing did you do today?

mfswatz9 wrote:
Sun Jan 14, 2018 9:17 pm
I went to Costco today and bought a rotisserie chicken. That will be 2 dinners and at least 2 lunches for the two of us. I also filled up the car with gas while I was there. :dollar
Better than that, I cooked a whole chicken myself for even less good for 2 dinners and 2 lunches.
by Sheepdog
Tue Jan 16, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 299
Views: 21067

Re: What frugal thing did you do today?

Not just today, but every day. We have no phone plans, no smart phones, only a flip phone used only for on the road emergencies costing about $100 a year. (Yeah, we have a land phone which includes DSL costing $65 a month.)
by Sheepdog
Tue Jan 16, 2018 12:56 am
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 13
Views: 811

Re: FlipPhone

I am one of those flip phone users. Spouse has fancy one but I have never felt the need to carry a computer with me at all times. I also never seem to use all my minutes. When traveling, it has been easy to use a computer at a hotel to check my home email. I don't text. I have never seen the point ...
by Sheepdog
Mon Jan 15, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating health care expenses in retirement
Replies: 12
Views: 1227

Re: Estimating health care expenses in retirement

We are a retired couple, ages 84 and 77 at the end of 2017. I can give you our costs. Our out of pocket medical expenses for the last 8 years are listed in each category are: (First amount shown is for 2010, followed by 2011, 2012, 2013, 2014, 2015, 2016, 2017} Medical insurance premiums [Medicare (...
by Sheepdog
Sun Jan 14, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 8991

Re: Aug. 2017 US total eclipse hotel reservations.

DW and I watched total eclipse from our back yard. (It was spooky. As the eclipse progressed from partial to full, the night-time creatures that normally serenade us from the woods began to sing, then stopped after full eclipse passed.) I was in the 96% eclipse area, but it became cloud covered at ...
by Sheepdog
Fri Jan 12, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: "Medical payments" premium on Auto insurance, necessary if you have medical insurance?
Replies: 6
Views: 378

Re: "Medical payments" premium on Auto insurance, necessary if you have medical insurance?

I cancelled that coverage after my wife was in an accident 5 years ago. She was on Medicare plus a Medigap at the time. The hospital wanted that auto medical coverage first as it paid the most. I will not go into detail about what that caused over the months following, but I will say it was a pain a...
by Sheepdog
Fri Jan 12, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 31
Views: 1508

Re: Insurance: Who do you use? (Auto/Home)

I ask for quotes at least every 3 years directly from major insurance companies and multiple quotes though an independent agent....about 20 each time. I changed my auto insurance last in 2011 from Allied (Nationwide) Insurance to AARP Insurance Program from The Hartford . After several quotes they a...
by Sheepdog
Tue Jan 09, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 276
Views: 22265

Re: Year 2000 retirees using the '4% rule' - Where are they now?

I retired in 1998, but I will look at what I had on January 2000. At retirement I decided not to use the "4% rule", but to take out an annual average of 4.5% and not increase for inflation. The reasons were that I knew that expenses would not be the same annually so my withdrawals were certain to be...
by Sheepdog
Mon Jan 08, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 137
Views: 13124

Re: Anyone disenchanted with retirement?

NINETEEN YEARS AND WANT FOR NOTHING AND HAVING MORE THAN WHEN THIS THING STARTED?? NO
by Sheepdog
Sun Jan 07, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with RMD money
Replies: 18
Views: 1595

Re: What to do with RMD money

Without mentioning regular investments, let me mention the first ideas coming to this 84 year old mind. 1. Give to charities, but give via QCDs before taking regular RMDs so that that will not be listed as taxable income. (My favorite) 2. Invest in CDs. (I do) 3. Take a cruise and take family member...
by Sheepdog
Tue Jan 02, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation during retirement and Safe Withdrawal Rates
Replies: 8
Views: 668

Re: Asset Allocation during retirement and Safe Withdrawal Rates

Brit, I will repeat here what I have written several times here. I planned a similar path in retirement as you are. I am in my 20th year in retirement. I wrote this last October: I invest conservatively, live off of my savings and SS very well and have watched it not just maintain, but even grow in ...
by Sheepdog
Mon Jan 01, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5640

Re: Keeping a checkbook register

abuss368 wrote:
Mon Jan 01, 2018 1:30 pm
So how many Bogleheads actually reconcile their checkbooks?
I don't know how many, but I do every month. And, if it's off a penny, I search for it until I find it :)
by Sheepdog
Mon Jan 01, 2018 6:19 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 42
Views: 4113

Re: Savings Bond Wizard to be eliminated 5/18

Bummer! :annoyed :confused My comment is more colorful!! Anyway, the website says: NOTE: The Savings Bond Wizard update for the November 1, 2017 savings bond rate release is the final update. As of the next savings bond rate release on May 1, 2018, the Savings Bond Wizard will no longer be availabl...
by Sheepdog
Sun Dec 31, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: SWR, different perspective.
Replies: 38
Views: 2997

Re: SWR, different perspective.

I would guess you're overestimating the cola'd pension crowd. I agree with this statement. In my 10 years plus here, there are not many with cola'd pensions. Many do not even have pensions.....I don't.....well, I did, but took it as a lump sum and invested it with my savings. Anyway, I will be in m...
by Sheepdog
Sun Dec 31, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: What do you consider wealthy?
Replies: 28
Views: 2523

Re: What do you consider wealthy?

In my area in the country, most people probably would believe I am rich (I know some do) and I have accounts totaling just about a million. I count myself as one of them.
by Sheepdog
Sat Dec 30, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 304702

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

2017 results...22-23% stock...19th year in retirement....84 years of age
8.34% return
Withdrew for expenses and gifts 4.06%
Nest egg grew 5.6%
This is what in retirement finances should be about......income and investment growth with sufficient safety of principal
:D :D :D
by Sheepdog
Fri Dec 29, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5640

Re: Keeping a checkbook register

Yes, we keep a checkbook register and have all of those entries also on my Microsoft Money 2002. I know where everything is spent. The checkbook register not only shows all checks, but all auto deposits and debits. We try to do everything by auto debit and deposits, but still have to write checks. W...
by Sheepdog
Fri Dec 29, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Is it me or does everything seem expensive?
Replies: 47
Views: 5183

Re: Is it me or does everything seem expensive?

1946 5 cents bus fare to downtown,25 cents movie, 10 cents popcorn, 5 cents Coke and candy bar. My first car....1947 Ford convertible purchased in 1953...$179.00 My first new auto....1969 Dodge Dart $1949.39 My first new constructed house, (1962),3 bedroom, 1 1/2 bath, family room, dining room, wash...
by Sheepdog
Mon Dec 25, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Saga of the travels of a US Postal Service Shipment
Replies: 9
Views: 1502

Re: Saga of the travels of a US Postal Service Shipment

nisiprius wrote:
Mon Dec 25, 2017 1:16 pm
Just to be clear... this was really a pure USPS shipment and not Mail Innovations or one of a few hybrid systems in which delivery services hand off to each other. I've had fairly bad experiences with Mail Innovations...
It was a standard USPS shipment.
by Sheepdog
Mon Dec 25, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Saga of the travels of a US Postal Service Shipment
Replies: 9
Views: 1502

Saga of the travels of a US Postal Service Shipment

I shipped a package on 12/11/2017 to Winter Park, Florida. Now, 12/25/2017, it still is "in transit". I have followed it's travels via the USPS tracking service. 12/11 USPS in possession of item Terre Haute, IN Estimated delivery date Saturday, 12/16 12/11 Departed Terre Haute, IN 12/12 Arrived Pitt...
by Sheepdog
Sun Dec 24, 2017 11:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8129

Re: My Christmas Present to You

Thank you, Taylor. Thank you for all of the Greatest Generation. God be with you.
Jim
by Sheepdog
Sun Dec 24, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 299
Views: 21067

Re: What frugal thing did you do today?

Nectarineman wrote:
Sun Dec 24, 2017 12:05 pm
Since frugality seems to be a way of life, what did you do today that was frugal?

As for me, worked out at the gym, but shaved and took an extra long shower there to save on my utilities.

:D
Well, I did not take a bath or shave, nor did I use gas to go to a gym! Whose more frugal?
by Sheepdog
Sun Dec 24, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 107
Views: 6863

Re: Will you donate less to Charity?

For the last couple of years our itemized deductions did not exceed the standard deduction anyway, so I don't see a big behavioral change coming on that front. That being said, no, our donating to charity rests less on wanting to reduce taxable income and more on wanting to help causes we believe i...
by Sheepdog
Sun Dec 24, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 107
Views: 6863

Re: Will you donate less to Charity?

Actually looking to give more this year. (I’m working towards 10% but not there yet.) IMO, the act of giving is primary while the act of maximizing a deduction (while still important to proper money management) is secondary. I don’t want to let the secondary dictate the primary. Besides, you only r...
by Sheepdog
Sun Dec 24, 2017 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Do you have trouble standing firm on your asset allocation?
Replies: 45
Views: 3691

Re: Do you have trouble standing firm on your asset allocation?

Since 2008-09, NO, I have not. I found that being greedy before the crash hurt me, so my low stock allocation since then has not and will not deviate.
by Sheepdog
Sun Dec 24, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 107
Views: 6863

Re: Will you donate less to Charity?

I have never given to charity because of federal tax deductions. It was a nice benefit, but that was not the reason. I give because of needs. However, I do give to two state universities because of a special Indiana state deduction and that is I can give up to $400 each year to Indiana state college...
by Sheepdog
Sat Dec 23, 2017 3:31 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 177
Views: 16548

Re: Call the top! - Bitcoin

What is a bitcoin?
by Sheepdog
Fri Dec 22, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 19897

Re: Do you see a meaningful change in your income with new Tax Bill?

Nerdwallet has published how the tax bill will affect your taxes with your income.

How will your tax bracket change under the new tax bill?https://www.nerdwallet.com/blog/taxes/f ... -brackets/
by Sheepdog
Fri Dec 22, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you include your house in your net worth if you own it outright?
Replies: 89
Views: 6431

Re: Do you include your house in your net worth if you own it outright?

I do not include it in my net worth. I guess it is, but I do not. As far as my estate is concerned after death, I do not there either as we have elected in our trust will to give it to a favorite charity.
by Sheepdog
Sun Dec 17, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Do you have bonds in Roths as a retiree?
Replies: 35
Views: 2764

Re: Do you have bonds in Roths as a retiree?

Yes. Roths total amount is 36% of my investments of which 60% are bonds. I am 84 and my wife is 77. I am still investing for us, but when my wife reaches 90 I might start investing for the beneficiaries. ;-)
by Sheepdog
Sun Dec 17, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Auto and homeowner insurance ... How often do you switch?
Replies: 22
Views: 1547

Re: Auto and homeowner insurance ... How often do you switch?

I ask for quotes at least every 3 years directly from major insurance companies and multiple quotes though an independent agent....about 20 each time. I changed my auto insurance last in 2011 from Allied (Nationwide) Insurance to AARP The Hartford. After several quotes they are still the lowest. I c...
by Sheepdog
Sun Dec 17, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1319

Re: Medicare Medical Insurance

Yes, mine did...my wife did. Basically what happened was that the Medicare premiums started increasing a couple or so years ago. However, it had been set up that if the premium increase was higher than a cost of living increase, your benefit payment would not be less so that you would not receive le...
by Sheepdog
Sun Dec 17, 2017 12:48 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 8945

Re: How much do you spend on food per month, per person?

For 2 elderly retirees..... For 2017 to date our grocery store spending, includes some sundries, but no alcohol, was $493 per month ($247 per person) For 2016, it was $507 per month ($254 per person) For 2017 our restaurant spending was $312 per month ($156 per person) For 2016, it was $294 per mont...
by Sheepdog
Sat Dec 16, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: LTC policy increase - keep, reduce coverage or ditch?
Replies: 18
Views: 1479

Re: LTC policy increase - keep, reduce coverage or ditch?

Does anyone know if LifeSecure is a stable company? I looked at ConsumersAdvocate.org to look at their ratings for the company. https://www.consumersadvocate.org/long-term-care-insurance/c/lifesecure-long-term-care LifeSecure is a long term care provider and wholly owned subsidiary of Blue Cross Bl...
by Sheepdog
Fri Dec 15, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2170

Re: What are your favorite tax deductions and credits for 2017?

As an elderly couple in excellent health with no adjustments to income, two personal exemptions and zero dependent exemptions, no qualifying itemized deductions, no tax credits of any type, and no other taxes our favorite reduction to income is the Qualified Charitable Distribution. This QCD, which...
by Sheepdog
Fri Dec 15, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2170

Re: What are your favorite tax deductions and credits for 2017?

I have itemized for decades. My favorite newer benefit is the QCD process. Their sources are no longer income so the QCDs are not deductible. I expect that my 2017 tax return will use the standard deduction for the first time in a bunch of years. I will calculate the deductions and credits to be sure.
by Sheepdog
Fri Dec 15, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?
Replies: 26
Views: 2551

Re: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?

I have tracked our spending since retiring in 1998 using Microsoft Money software.. We lived in the same house during this period. We took vacations regularly, purchased automobiles regularly, enjoyed life. We did donate more to charities as we aged, though. Our annual in retirement spending and cha...
by Sheepdog
Thu Dec 14, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 5551

Re: 2018 Goals - Financial or Otherwise

Celebrate
1. My 85th birthday in September
2. The 20th anniversary of my retirement in October
3. My wife's (?) birthday in July (I daren't tell which one that is.)
4. Continued pleasant financial health.
5. Continued good physical health
by Sheepdog
Thu Dec 14, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: Did QCDs on phone with Vanguard - a painful process
Replies: 2
Views: 611

Re: Did QCDs on phone with Vanguard - a painful process

I have asked for my QCDs only by phone. Is IS very slow. My last ones (5 this month, but I split about 20 over the year) was again time consuming, having to listen to the legalese and give the info for each charity. The online process, I was told, would not be available until 2018. I was told that t...
by Sheepdog
Sun Dec 10, 2017 12:06 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 47
Views: 7157

Re: For those retired at least 10 years, what about the money?

19 years in a good retirement with net worth growth even without a pension and with a stock allocation of only 23% since 2009. (2008 told me to lower it more.) My wife and I started 3 years ago when I was 81 to gift more to charities compared to early retirement. We are giving more to our long term ...
by Sheepdog
Fri Dec 08, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 4024

Re: Which is better: Wellesley or 5-yr 2.5% CD?

Frankly, I have to watch my investment's future, so I have both Wellesley and CDs (3% ones) (plus I Bonds and short term bond funds). They work for me so I don't worry.
by Sheepdog
Thu Dec 07, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: First post from this retiree with questions - my daughter sent me here!
Replies: 34
Views: 3963

Re: First post from this retiree with questions - my daughter sent me here!

I am wondering why it has not been suggested that OP do some TIRA-Roth conversions. I can see one concern would be the Social Security "cliff", not an area that I have paid much attention to and not sure if disability social security is affected in the same way. Otherwise might not such a move make...
by Sheepdog
Thu Dec 07, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: First post from this retiree with questions - my daughter sent me here!
Replies: 34
Views: 3963

Re: First post from this retiree with questions - my daughter sent me here!

You should know what your spending is now. Is that what you would like to have coming in? If you would like some more, make a note of that in addition. You show that you know what your income is now (not including from investments.) Subtract that income from what your expenses you wish to meet and t...
by Sheepdog
Thu Dec 07, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: A Trip to Russia
Replies: 81
Views: 4512

Re: A Trip to Russia

An excursion from St. Petersburg to Tallinn, Estonia might be worthwhile. (I haven't done it, but would if I were in St. Petersburg.) Thanks, We do plan on looking outside the main cities. reggie Also you should look at the possibility of visiting Vilnius, Lithuania. And or Kaunas, Lithuania. Great...
by Sheepdog
Thu Dec 07, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 63
Views: 4522

Re: What did you do with your first RMD withdrawal money?

No pension, so used it for expenses and I always have (now 84) :D
by Sheepdog
Wed Dec 06, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15598

Re: Do people still use AAA?

I left AAA many years ago. I found no use. However, for emergency needs, and that is important for our ages, I have for some years used AARP 24/7 Nationwide Roadside Assistance Road 'N Tow(from Allstate, it says). Used it once a couple of years ago on the Interstate. Costs me $43.50 a year. Every ye...
by Sheepdog
Wed Dec 06, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2367

Re: Holiday Tipping

I don't know how to tip the garbage collectors. I put money in a card, in an envelope with a great big red bow on it, and tape it to the top of my trash bin. It's obvious that it's a Christmas card, not trash. I put an amount in that can be split evenly either two or three ways, because I'm not sur...
by Sheepdog
Tue Dec 05, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2367

Re: Holiday Tipping

I tip the newspaper delivery person $50. (She is pro active as she sends a Christmas card in early December with her address!!) I don't know how to tip the garbage collectors. I pay the owner by mail. I don't want to send him the tip. If I knew how, I would probably My wife tips her hairdresser and ...
by Sheepdog
Mon Dec 04, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Parents Retirement
Replies: 13
Views: 1834

Re: Parents Retirement

Their expenses total $1400 a month? That is only $16,800 a year. That covers their food, real estate taxes, homeowner's and medical insurance, utilities, home maintenance, auto expenses, etc. etc.? That will be tough. They need an emergency fund to cover some unexpected expenses (home, auto, medical...
by Sheepdog
Mon Dec 04, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments
Replies: 14
Views: 1992

Re: Fisher Investments

There have been many conversations on this firm. You can do a quick search for yourself. Here is just one....viewtopic.php?t=187588.
Leave them alone