Search found 5011 matches

by Sheepdog
Sat Jul 21, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 23
Views: 2465

Re: Hearing aids

Medicare does not cover hearing aids, but may cover some hearing tests by professionals. Medicare does not cover hearing aids, If you obtain hearing examinations by an otolaryngologist, you may have some Medicare coverage, but not the aids, Some Advantage plans may give coverage. My Anthem BCBS Med...
by Sheepdog
Thu Jul 19, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1111

Re: Auto Insurance, best way to compare

The reason DW and I have insured with USAA for over 50 years is that on the rare occasion we filed a claim we promptly received a prompt, fair settlement. It isn't always true that "you get what you pay for," but we ae satisfied that what we get from USAA is worth its premium. Warm regards, That ma...
by Sheepdog
Thu Jul 19, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1111

Re: Auto Insurance, best way to compare

Aren't any shortcuts, you have to contact every insurer and an independent agent if you want the cheapest policy. Or simply go with Amica, Chubb, or USAA. They have the best reputation on this board, among the national carriers. That is correct....no shortcuts. For example, in my area, the more pop...
by Sheepdog
Wed Jul 18, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 88
Views: 5748

Re: Families - What's your total annual credit card spend?

So I gather you guys are doing this for the rewards? Do you pay the balance in full each month? Yes. Me too. I pay everything I can with a credit card. I have never paid any credit card interest, plus I receive rewards in using them (2017 $1,592 cc rebate which, in effect, paid for my wife and my I...
by Sheepdog
Tue Jul 17, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1111

Re: Auto Insurance, best way to compare

There have been several conversations here on searching for home and auto insurance. You can search for them. Here is one from last year in December https://www.bogleheads.org/forum/viewtopic.php?t=234843 This was my comment then I ask for quotes at least every 3 years directly from major insurance ...
by Sheepdog
Tue Jul 17, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 12659

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

GoldenFinch wrote:
Tue Jul 17, 2018 10:04 am
Sheepdog wrote:
Tue Jul 17, 2018 6:46 am
GoldenFinch wrote:
Tue Jul 17, 2018 6:15 am

I wrote that post over a year ago and still haven’t written anything down! Thanks for the reminder. I will stop procrastinating and write everything down today.
Good.. May we ask you tomorrow how you did?
Done!
Congratulations
by Sheepdog
Tue Jul 17, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 12659

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

GoldenFinch wrote:
Tue Jul 17, 2018 6:15 am

I wrote that post over a year ago and still haven’t written anything down! Thanks for the reminder. I will stop procrastinating and write everything down today.
Good.. May we ask you tomorrow how you did?
by Sheepdog
Mon Jul 16, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 25
Views: 3404

Re: Bored

I learn something from this forum almost every day. You certainly don’t want to assume that your finances are all set for a few decades just becuase you know so much more now than you did a year or two ago. Think of it like the continuing education that is required of physicians, CPAs, etc. There i...
by Sheepdog
Sun Jul 15, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 12659

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

I made a comment last year on this thread where I wrote that my wife does not use a computer or smart phone.....not even a cell phone :annoyed. I have written every thing about our investments and other financial things and I review it all regularly. She knows where everything is, when automatic wit...
by Sheepdog
Sun Jul 15, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Take 5% of Folio age 75 Onward?
Replies: 14
Views: 1641

Re: Take 5% of Folio age 75 Onward?

I believe you will be fine taking a 5% withdrawal every year since you are 75. Studies have shown that retirees that started retirement withdrawing 4% , has seen their net worth increase as they age. Alot of these retirees went through the great recession also. I agree, obviously, as I have average...
by Sheepdog
Sun Jul 15, 2018 4:48 am
Forum: Investing - Help with Personal Investments
Topic: Spending profile in retirement
Replies: 19
Views: 1586

Re: Spending profile in retirement

How can people plan a set spending budget and investment withdrawal amount for their entire retirement? I know I couldn't. When I began retirement withdrawals 20 years ago, I planned a to have an annual average percentage withdrawal, not a set amount as I knew that there would be years I would want ...
by Sheepdog
Thu Jul 12, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 2860

Re: Grandpa's 88 and has term life insurance

Dottie57 wrote:
Thu Jul 12, 2018 3:29 pm
Leave grandpa alone since he wants the policy. I sounds like he has enough even for LTC.
Fully agree. If he is as sound of mind as you say he is, it is his business not yours (from an octogenarian)
by Sheepdog
Thu Jul 12, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 352
Views: 11808

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads: Successful Investing
by Sheepdog
Thu Jul 12, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 352
Views: 11808

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads, saving and investing before and after retirement.
by Sheepdog
Thu Jul 12, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 352
Views: 11808

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads, sane money management in good and bad times
or just:

Bogleheads, Sane Money Management
by Sheepdog
Thu Jul 12, 2018 4:36 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9224

Re: Keeping a checkbook

I am shocked at how many people have eliminated checks from their lives and yet continue to write a check for property taxes. My county has a fee to pay online :annoyed but no fee to pay by check. I just use my bank's billpay, who fires off a check twice a year on the date I specify. My tax parcel ...
by Sheepdog
Tue Jul 10, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3209

Re: What’s the median income of Bogleheads?

Bogleheads had an anonymous net worth survey in 2015 to 2017 which included income. There were hundreds of responses as I look back at it. Go to https://docs.google.com/spreadsheets/d/ ... =630152586. There were others which you can search for.
by Sheepdog
Tue Jul 10, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3239

Re: Masterbath Remodel - Tub or No Tub ?

Two years ago we completely remodeled our master bath similar to what you want to do......removed entire fixtures, etc including tub. Replaced all with a walk-in shower, floor and wall tile, cabinets, lighting, fan, expanded outlets, fixtures, etc. it is beautiful and functional. There is another re...
by Sheepdog
Mon Jul 09, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3303

Re: What do you pay for home services?

Our cost is zero. We have never hired anyone for home services of any kind in our 58 years of marriage. If we can't do it ourselves, it isn't needed :P So you grow all of your own food, never eat out, do all of the work on your vehicles, do all of your home maintenance, make your own clothes, etc.....
by Sheepdog
Sun Jul 08, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3303

Re: What do you pay for home services?

Our cost is zero. We have never hired anyone for home services of any kind in our 58 years of marriage. If we can't do it ourselves, it isn't needed :P
by Sheepdog
Sat Jul 07, 2018 5:17 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10430

$

Since you lumped your Medicare Part B premiums and MA cost into one broad category, can't tell which income bracket you are in on Part B ($134 or $187.50) Anyway, the real meaning that jumps out to me is now you have crossed the $1,000 a month threshold, and fast approaching $13,000 a year. :shock:...
by Sheepdog
Fri Jul 06, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10430

Re: What I spent in 6 months on medicare

I am 84 and my wife is 77. You may be interested in our medical costs. These are using Medicare Advantage plans. I have used these plans since 2014 and my wife since 2016. Since going to these plans comparing our total Medicare, plus Part D and other out of pocket costs we are each saving $2000 a ye...
by Sheepdog
Thu Jul 05, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8957

Re: What time do you get up in the morning?

This morning 8:45. I'm retired :D 6 am today (went to7 am Rotary meeting), 9:30 am yesterday Holiday. Day before yesterday 8 am 4 mile walk time. Tomorrow it will be about 9:30...maybe 10 am, maybe 7 am. Retired, so whatever I want to do I can and when I want to do it or not want to do anything,
by Sheepdog
Thu Jul 05, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Insurance company canceeling homeowners policy. Hell
Replies: 13
Views: 1617

Re: Insurance company canceeling homeowners policy. Hell

If you have never had or haven't had one recently, a LexisNexis C.L.U.E. Personal Property report, out of curiosity, I would want to see what it says about your property claim history. In case you didn't know, you are allowed to receive a free report every year like your free credit reports. You can...
by Sheepdog
Wed Jul 04, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads w/RA: How much does climate matter?
Replies: 4
Views: 737

Re: Retired Bogleheads w/RA: How much does climate matter?

Have you Googled your question? You may get more information. Try the words "rheumatoid arthritis hot dry weather"
by Sheepdog
Tue Jul 03, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4222

Re: Will I ever be able to itemize?

Ever? That's a very long time. Could you change that to until the tax laws are changed again?
by Sheepdog
Tue Jul 03, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9514

Re: What’s your plan for a market downturn?

MIretired wrote:
Sat Jun 30, 2018 7:17 pm
My plan in case of a downturn, is I have 4-5 yrs. of needed withdrawals in CDs, money markets, short bonds, and some intermediate. I'll watch unneccessary spending in a downturn, too.
same here. 2008-09, living off of investments and not having that protection, taught me.
by Sheepdog
Tue Jul 03, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3629

Re: Adding a trust to your homeowner's policy

Criminey. So, what is the solution for umbrella liability? Do some insurers allow the inclusion of the trust and some not? (My appointment with my lawyer is the end of next week.) I'm just kind of sweating it here that I did not have insurance coverage that I thought I had for years. I do not have ...
by Sheepdog
Tue Jul 03, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 350109

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

Do you want the truth or what I tell my in laws
by Sheepdog
Mon Jul 02, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3629

Re: Adding a trust to your homeowner's policy

I mentioned earlier that I would contact my homeowners insurer AARP The Hartford. As others have written. the agent said that I should have had the revocable trust listed in the homeowners insurance policy in the 13 years I have had the trust. The lawyer who set this up did not instruct me to do so....
by Sheepdog
Mon Jul 02, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1778

Re: Treasury Direct website down all day (7/1)

I never converted my paper I bonds to TD. Thankfully so....
Out of curiosity I looked for complaints on line. There are a bunch over the last several years. This one on Yelp explains the frustration of TD holders on trying to get their money https://www.yelp.com/biz/treasurydirect-parkersburg
by Sheepdog
Mon Jul 02, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4671

Re: Retiring in Michigan (Ann Arbor)

delete
by Sheepdog
Mon Jul 02, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4671

Re: Retiring in Michigan (Ann Arbor)

If you're intent on retiring to the Midwest, it's hard to go wrong with Ann Arbor. You should probably take another visit in January, though. Those snowy 10ºF days can be a bit of a shock for those of us on the West Coast. We have visited Michigan a good number of times including Ann Arbor. We like...
by Sheepdog
Sun Jul 01, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12882

Re: What are your property taxes?

$1112 property tax after deductions (was $1510 before deductions) Deductions are homestead. supplemental, and over 65 2052 sq ft home on half acre wooded lot in a nice suburban subdivision Indiana Indiana's property taxes are capped at 1% of property values for homesteads (owner occupied), 2% for ot...
by Sheepdog
Sat Jun 30, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3629

Re: Adding a trust to your homeowner's policy

barber wrote Our home is in a trust, and it occurred to me that I need to add the trust as an additionally insured on our homeowners and umbrella policies. We are with Allstate and our agent is refusing to do so, stating that Allstate does not want the liability of naming a trust to a personal insu...
by Sheepdog
Fri Jun 29, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 2824

Re: Are many of you??????

I did subscribe for about 50 years and found it very worthwhile until the last few years. (As an example, I remember when CR was an early advocate for seat belts in cars in the 1960s. Some auto manufacturers said they were too expensive!) I miss the old CR and their quality testing they did, but not...
by Sheepdog
Thu Jun 28, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 42
Views: 7985

Re: >$250,000 portfolios with Vanguard? Insurance?

Note that this thread was from 2015, NOT this year! The thread is more important in 2018 than in 2015, since Vanguard is pushing people to convert mutual fund accounts to brokerage accounts. Brokerage accounts carry additional risk that mutual fund accounts don't have. The SIPC coverage only goes u...
by Sheepdog
Thu Jun 28, 2018 4:19 am
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 6976

Re: CNBC: Social Security buying power has slipped by a third for retirees

I was away and missed this thread. I will add a different voice to it. Our Social Security buying power, real world inflation adjusted in-retirement buying power, has not significantly slip ped since 2000. Our spending history since 2000 does not match that report as you will see below....not close....
by Sheepdog
Tue Jun 26, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Charity giving how much? How much do other retirees give?
Replies: 44
Views: 3957

Re: Charity giving how much? How much do other retirees give?

I won't give you dollars. It varies somewhat percentage-of-spending wise. I can say that we give more as we age.
In 2015 13.2% of our spending went to charities.
In 2016 16.6% of our spending went to charities.
In 2017 12.2% of our spending went to charities
by Sheepdog
Tue Jun 26, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35837

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

My goal was to reduce my federal taxes to near zero. See I think that is the wrong goal. It should be to maximize spendable money (or asset value on death). That is not the same as paying 0 dollars in federal tax. I would postulate that paying 0 dollars in federal tax means you have chosen an subop...
by Sheepdog
Tue Jun 26, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16509

Re: IRS publishes draft 2018 1040 - Huge changes made

We may be going to a postcard size form? In the early years, like when I filed my first return in the early 50s, the simple 1040 was just that .... a post card with just a half dozen or so lines. You didn't even have to calculate anything, if you didn't want to. (That was for very low income people ...
by Sheepdog
Tue Jun 26, 2018 6:45 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35837

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Should I butt in here with my actual example? It really is possible to retire with a decent amount of investments (but not over $1mil) and pay little to no income taxes. It takes little planning. In my 19th year in retirement (2017) I paid negligible federal income tax with income from Social Securi...
by Sheepdog
Mon Jun 25, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: How to spend it all
Replies: 14
Views: 2109

Re: How to spend it all

A few serious recessions or a depression could make running out much faster than you wished for... :oops:
by Sheepdog
Sun Jun 24, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 42
Views: 7985

Re: >$250,000 portfolios with Vanguard? Insurance?

Note that this thread was from 2015, NOT this year!
by Sheepdog
Sun Jun 24, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 8466

Re: Retirees: When you cut spending, what do you cut?

Miriam2 wrote:
Sun Jun 24, 2018 1:17 pm


Sheepdog! Thank you for sharing your personal stories.
I noticed - sheepdogs are never cut :D
Thanks. You are correct. Our Sheepie's health and welfare go before us. :)
by Sheepdog
Sat Jun 23, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 32510

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

I am just a grunt worker in a warehouse, driving a forklift. aka an averagedude. Averagedude. There is no such thing as being "just a grunt worker". Our good world would not exist without "grunts". You are our muscle, blood and backbone and brains who has served. Congratulations for being here and ...
by Sheepdog
Sat Jun 23, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 8466

Re: Retirees: When you cut spending, what do you cut?

My period of "panic" came in October 2008 when I was retired and my investment income was dropping precipitously during that recession. If ever I was to feel that I have to control spending that was my time. I did not do any. I was already controlling spending to some degree in that most of my retir...
by Sheepdog
Fri Jun 22, 2018 12:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mel Lindauer
Replies: 22
Views: 1348

Re: Happy Birthday Mel

Mel, Happy Birthday,
You are special. Thank you for all that you have done for me.
Semper Fi,
Jim
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: 345
Views: 32510

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: 155
Views: 8407

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.