Search found 5149 matches

by Sheepdog
Thu Jul 12, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20078

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: 366
Views: 20078

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: 366
Views: 20078

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: 9930

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: 3563

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: 3723

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: 3671

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: 3671

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: 162
Views: 14534

$

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: 162
Views: 14534

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: 160
Views: 13010

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: 1748

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: 794

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: 4673

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: 10488

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: 4171

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: 2033
Views: 378344

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: 4171

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: 2074

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: 5226

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: 5226

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: 352
Views: 19736

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: 4171

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: 3059

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: 8219

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: 7490

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: 4247

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: 39518

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: 177
Views: 23801

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: 39518

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: 2286

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: 8219

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: 8950

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: 378
Views: 36658

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: 8950

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: 1647

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: 378
Views: 36658

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: 9477

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: 155
Views: 9477

$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: 3728

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: 3728

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: 18673

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: 18673

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: 3006

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: 187
Views: 25452

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: 18673

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: 18673

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: 18673

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: 4391

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: 4391

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 ...