Search found 5149 matches

by Sheepdog
Mon Dec 10, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 61
Views: 3780

Re: To each his own ( I guess )

Some hate rap and rock and roll, but others, instead, love classical music, opera and dance. The latter is me. Some want one domestic partner for life, while others want forever a variety. The former is me. Some love to do gardening and landscaping themselves and never hire anyone, while others hate...
by Sheepdog
Sat Dec 01, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6003

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

At age 85, living off of savings and SS, I have only 24% stock, That's all I need or want and has been for a dozen years. I am very happy as my net worth is down only 0.3% this year, so basically even and that could very well be erased by 12/31. After all is said and done my goal has been not to run...
by Sheepdog
Tue Nov 27, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5765

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

In 20 years in retirement, my "big expenses" not budgeted every year are (some have been mentioned by you and others, but here goes): Automobiles (have 2 and replace each about every 8 years); house maintenance as the house ages (mine is 46 years old) such as roof, driveway replacement, A/C, furnace...
by Sheepdog
Thu Nov 22, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3045

Re: Tiny Baby Spiders on my Toaster

They can turn up in strange places. This fall when I started my gas furnace, it would not light. The gas furnace is less than a year old, so I called the company who sold and installed it thinking that any problem would be covered by my warranty. The repairman came and spent about an hour. He was lo...
by Sheepdog
Thu Nov 22, 2018 9:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Thanksgiving to all
Replies: 19
Views: 1003

Re: Happy Thanksgiving to all

May you have peace in your life, love to love, food on the table, warmth in your home, good health for you and your loved ones. HAPPY THANKSGIVING.
by Sheepdog
Mon Nov 19, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5861

Re: The psychology of withdrawing from your portfolio

We spend years saving and investing. This is counter to the thought of withdrawing a % from your portfolio when one retires. For those that have been retired, was it difficult mentally to start withdrawing from your portfolio ? How did you overcome it ? For me, it was not difficult. That was why we...
by Sheepdog
Sun Nov 18, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8226

Re: Current Retirees: Do you touch your principal?

20 years retired lliving off of investments and SS. Yes is my answer, but my nominal balance is the same.
by Sheepdog
Thu Nov 15, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What to do with RMD - 91 Year Old Mom
Replies: 18
Views: 1558

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

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

Does she have a favorite charity?

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

By the way, has she set up beneficiaries for those IRAs.?
by Sheepdog
Tue Nov 13, 2018 3:58 am
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6481

Re: Strategy during the last stock market decline

dh, for me the thread that really brought it all home was Sheepdog's https://www.bogleheads.org/forum/viewtopic.php?t=25126l Thank you Sheepdog. Bear And, thank you. That panic thread, now titled I can't believe I am thinking this [Panic and Survival 2008-09] brought out my soul (my in-retirement i...
by Sheepdog
Sat Nov 10, 2018 9:21 am
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2405

Re: U. S. Marine Corps Birthday

Yeah Happy Birthday! Just curious as I have never asked before as I don't talk about my Marine experience. But my recent visit to Vietnam was healing. Anybody served in the 3rd Amtrac Battalion 1st Marine Division at Marble Mountains during the 1968 Tet offensive? I visited the Marble Mountains, wh...
by Sheepdog
Sat Nov 10, 2018 1:39 am
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2405

Re: U. S. Marine Corps Birthday

9/10/18 Another Marine Birthday #243. Happy Birthday to all Gyrenes.
Sgt Sheepdog 1952-56
by Sheepdog
Thu Nov 08, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Lowest Cost GPS-Capable Device for Senior Citizen
Replies: 18
Views: 1049

Re: Lowest Cost GPS-Capable Device for Senior Citizen

For a cheap, easy to use, easy to read and reliable device for vehicle use, I would go with a Garmin stand-alone unit. It is a one-purpose device, but for this scenario, I think it fills the bill. I purchased a Garmin 51LM last August from Best Buy at a cost of about $120. Good for this senior. (As...
by Sheepdog
Wed Nov 07, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 19
Views: 2297

PenFed new savings rates

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

See https://www.penfed.org/accounts/certifi ... _-11302018
by Sheepdog
Tue Nov 06, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15004

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

Sheepdog, I know that you know better, but for any newbies, it should be stated that you can't "will" anyone parts or all of IRAs. The beneficiary statements on the IRAs override anything in a will. Good point. Yes, of course I understand that. "Willing" is just a term to meaning who gets what.
by Sheepdog
Tue Nov 06, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15004

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

rgs92 wrote:
Tue Nov 06, 2018 5:33 pm
Don' t forget to leave something to your pets. They can't earn their own way after you're gone.
Good. Actually our pets are in our will and who will take care of them.
by Sheepdog
Tue Nov 06, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15004

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

Assuming we haven't needed to spend it, especially for health and long term care, we have willed our 2 sons half each of our Roth IRAs (tax free for them) and half each of our I Bonds (about $200K at present). We have willed our traditional IRAs and our house to charities. Anything else of value wil...
by Sheepdog
Sun Nov 04, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18445

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

mindboggling wrote:
Sun Nov 04, 2018 7:03 am
7am EST Sunday. Site appears to be up and running. Upstate NY location for me.
ditto here. Nothing readily visible showing changes except that light shows at this time with DST gone.
by Sheepdog
Fri Nov 02, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4893

Re: Engineering school

Rose-Hulman Institute of Technology is an absolutely fantastic school. The biggest downsides are expenses and a heavy workload, but you'll get a best-in-class education there. Oh, also, it's an engineering-only school and has the gender ratio you'd expect (roughly 3 men for every woman), so if you'...
by Sheepdog
Thu Nov 01, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 9028

Re: Savings Bond Wizard replacement is available

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it? The IRS discontinued support for the Savings Bond Wizard on 6/1/18. The 5/1/18 update of the data files was the las...
by Sheepdog
Thu Nov 01, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 9028

Re: Savings Bond Wizard replacement is available

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it? The Savings Bond Value Files are "numbers gibberish" except to software that understands the file format. Are you u...
by Sheepdog
Thu Nov 01, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 9028

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

HueyLD wrote:
Thu Nov 01, 2018 12:12 pm
No. Since I no longer own any paper bonds, it is easier for me to just log in and get the values.
Maybe someone else will see this to advise. UPDATE NOVEMBER 2018 PROBLEM
by Sheepdog
Thu Nov 01, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 9028

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

HueyLD wrote:
Thu Nov 01, 2018 12:01 pm
Are you using Windows 10?
No...Windows 7 as I used earlier. Have you tried downloading the new files ?
by Sheepdog
Thu Nov 01, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 9028

Re: Savings Bond Wizard replacement is available

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it?
by Sheepdog
Wed Oct 31, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3617

Re: The most you ever paid for a prescription

My wife has these high price monthly prescription: Tradjenta $1145.49 (her out of pocket for that is $226. The insurance company covers the rest. However after the doughnut hole, that is now and until the end of the year costs her now only $20.02 out of pocket until Jan 1 when it will go back up.) T...
by Sheepdog
Mon Oct 29, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: Painting fireplace; what to do with hearth?
Replies: 18
Views: 1191

Re: Painting fireplace; what to do with hearth?

I took care of my hearth slab. I easily laid a multi color tile on a concrete slab similar to yours by following easy instructions. I added a nice gas insert and piped the gas line to it. I looks great and has had nice compliments (especially from my wife).
by Sheepdog
Sat Oct 27, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9438

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

Since 2008-09, I will not have to take any stock containing investments (including balanced funds) for at least 3 to 5 years of retirement needs. Presently I won't need to for at least 4.5 years. I am a firm believer in not stock investing for ANY needs for the next 5 years whether I would be retire...
by Sheepdog
Fri Oct 26, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Is it risky to have all retirement savings with vanguard?
Replies: 43
Views: 5995

Re: Is it risky to have all retirement savings with vanguard?

I don't have all of my savings with Vanguard, not because of being scared but because of having variable savings vehicles because of diversification. I have all stock and traditional bond funds plus money markets at Vanguard, yes, but I also have CDs, I Bonds, Treasuries somewhere else.
by Sheepdog
Thu Oct 25, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2031
Views: 377432

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

Overall not so good (about broke even), but my best winners are the 3.0 to 3.6% fixed plus inflation I Bonds purchased in 2000-01 which are up 4.8% YTD thru October (23% of my total holdings).
by Sheepdog
Wed Oct 24, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6138

Re: Retirees: What keeps you up at night?

Running out of money in retirement is not one of them (20 years and counting) thanks to the Diehards and Bogleheads.
by Sheepdog
Wed Oct 24, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8498
Views: 1666564

Re: U.S. stocks in freefall

delete
by Sheepdog
Tue Oct 23, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4864

Re: When Will Attaining Millionaire Status Be Obsolete?

I no longer feel that a Millionaire is "Rich", but my relatives and most neighbors still do. My wife's grandfather lost his $79,000 "fortune" in the Great Depression. That would be today, according to the CPI Calculator, $1,159,458.20. $1,000,000 in 1929 would be approximately $14,676,686.05 today. ...
by Sheepdog
Tue Oct 23, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1730

Re: What do you spend your money on outside of expenses and investments?

Give away to charities and family plus I buy whatever i want (the whatever must not require interest to be paid)
by Sheepdog
Sat Oct 20, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: What if your risk tolerance is lower than what's best for your portfolio?
Replies: 51
Views: 3965

Re: What if your risk tolerance is lower than what's best for your portfolio?

Dear Happy2BeFree, I am who I am. You are who you are. Some can be 100% stocks at age 65 and live with it. Others can't invest in stocks at all...zero. I was not comfortable with 60% at retirement, for example. I did have that much at 65 but with every down day, it hurt. Growing up in the Depression...
by Sheepdog
Thu Oct 18, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for post-65 health/dental/vision/hearing
Replies: 10
Views: 1000

Re: Budget for post-65 health/dental/vision/hearing

TOTAL OUT OF POCKET MEDICAL EXPENSES FOR THIS RETIRED COUPLE: 2010 $9,850, 2011 $14,416, 2012 $11,290, 2013 $13,347, 2014 $9,511, 2015 $11,838, 2016 $7,842, 2017 $12,864 Thank you, Sheepdog. It's really helpful to see a real-life example, with real expenses. It’s great that you included dental, hea...
by Sheepdog
Wed Oct 17, 2018 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for post-65 health/dental/vision/hearing
Replies: 10
Views: 1000

Re: Budget for post-65 health/dental/vision/hearing

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
Mon Oct 15, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: "Turn Off The Financial News"
Replies: 13
Views: 1937

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: 78
Views: 4151

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: 21
Views: 3025

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: 21
Views: 3025

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: 21
Views: 3025

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: 9
Views: 1132

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: 9
Views: 1132

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: 3922

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: 198
Views: 11051

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: 1306

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: 1056

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: 893

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: 6842

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: 7406

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: 87
Views: 12705

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.