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Sheepdog

Those 3.6% base plus the inflation variable rate I Bonds which we purchased in 2000 (and later) still look good. They have passed tripling their purchase prices and now are heading toward quadrupling. (Thank you again, Mel).
Jim

Sheepdog

At irregular intervals, as I need the money, from the most tax efficient location. Once a year I true up and see how much we actually spent. The same here, but I, instead of reviewing how much I spent that year, I review what percentage of my investments did I remove. To me it is the percentage whi...

Sheepdog

Since I am researching insurance rates, I found this thread from last year to see if Bogleheads have any thoughts on Progressive. My present auto insurance carrier (AARP Hartford) has in the past been lower than GEICO, Progressive....all of them. Then I received a 22% rate increase from Hartford thi...

Sheepdog

cheese_breath wrote: ↑Thu Apr 01, 2021 10:09 pm Withdraw when / if I need it.

YES

Sheepdog

F150HD wrote: ↑Sat Apr 10, 2021 12:03 pm

would love to see that.

thats a rabbits buffet in my neck of woods. You must not have that problem.

I have rabbits, squirrels, raccoons, 'possums. I don't know why they have never given me an appreciable gardening problem.

Sheepdog

Withdrawal frequency in retirement? For me, it has been as needed, but with a watchful eye on my saving's balance. I have been retired for 22 years, now 87. Needs are not constant in retirement. You must plan for such things as required large home maintenance items (major remodeling, new roof, drive...

Sheepdog

I planted 250 + tulip bulbs last fall added to the many other earlier blooming spring bulbs already in the ground. The hyacinths were especially pretty this spring and were very sweet smelling. The early spring flowering bulbs are now past their peak, but the tulips are at their peak now, It was wor...

Sheepdog

Something different..... 22 years retired First 5 years (1999-2003) $57,850 per year average spending Last 5 years (2016-2020) $72,091 per year average What did we spend on certain categories last 2 years (2020-21) $86,320 per year (top 5 categories) average per year , not including a new auto purch...

Sheepdog

I never disclose my compensation, only tell them what I’m worth and what I expect to be paid. If they don’t want me as a candidate because I don’t tell them what I make, then I walk. I agree completely. In my management career, I would never have asked a candidate what they earned before. IMO that ...

Sheepdog

I am 88 and we have owned Roths since the beginning. That was just when I retired. It was new. When the Roths were invented, there was a special incentive where an investor could have a sizeable lump sum conversion and then divide that amount over the next 5 years, so I converted a good amount at th...

Sheepdog

My kids’ college education. I know it’s not every BH’s way, but figuratively I wrote every check with a smile. Paid off too :D Same here. However, the best things in life cost me little, if anything, like a smile received, or a thank you, or a pat on the head. or a belly rub or back scratch.. Woof ...

Sheepdog

livesoft wrote: ↑Thu Mar 18, 2021 9:53 am Get your tax preparer to fix this.

Seems the right way, assuming it was his/her fault.

Sheepdog

My stimulus check was deposited tonight, 3/16, along with my Social Security payment (a few hours early) to my checking account.

Sheepdog

mushripu wrote: ↑Sun Mar 14, 2021 4:12 am
Got message from irs tool ' scheduled for mar 17'

I received the 3/17 message also.
Woof

Sheepdog

livesoft wrote: ↑Thu Mar 11, 2021 5:40 pm Just add it to one or two of your existing Vanguard funds.

Why not do just that? You are already an investor here, aren't you?

Sheepdog

Munir wrote: ↑Sun Feb 28, 2021 11:34 am 83 years old
34% equities
66% fixed income
4 SPIAs
No internationals

Munir, we are close in several ways.
87 years old
30% equities
70% bonds, I Bonds, cash
3 SPIAs
No internationals
No pension (took mine as a lump sum in 1998

Sheepdog

Many of you have read this before, but all of you have not. I started retirement in 1998 with Social Security and savings to live on and with a plan to average 4.5% annual withdrawals and not have to adjust for inflation.....let portfolio growth take care of that. If I did that, maintain that 4.5% a...

Sheepdog

Ask your pharmacist. They know, and should have available ...

Sheepdog

My wife's IRA 1099s are still not available. Our Schwab checking acct 1099 was received a week ago.

Sheepdog

Contact your congress person. They sometimes can assist.

Sheepdog

Rose-Hulman Institute of Technology a prominent Engineering college located in my community offers an Engineering Physics major. This is a link to that https://www.rose-hulman.edu/academics/course-catalog/current/programs/Engineering%20Physics/index.html This is an excerpt: Engineering Physics at Ro...

Sheepdog

I was also advised that they will be available 2/19

Sheepdog

What happened to sheepdog exactly? How much did he sell? When did he get back in? Don't have time to read the whole thread. Read the first two pages. There is no Cliffs Notes version. I agree. What I did and why is in those 2 pages, but there is much more to that story than what I did. The comments...

Sheepdog

Last spring I mentioned that for the first time in my 48 years living here, a bluebird appeared at my feeders. He scouted my bird houses, picked out one, found a mate and produced a family. I hadn't seen one again until last week when a male bluebird appeared at my feeders again. I was very surprise...

Sheepdog

0..... The closest Costco to me is 75 miles away. Yes, they limit stores to high population, higher-income areas. Seems like 1 store/0.5-1.0M population or so and no store usually in areas under 0.5M. That leaves poorer more rural areas to WalMart. Well, we do have a Sams. At least I can get a $4.9...

Sheepdog

0..... The closest Costco to me is 75 miles away.

Sheepdog

The 53% higher is almost surely in nominal terms. Which almost matches inflation over the last 22 years. I.e. Sheepdog's portfolio is probably about the same size or a bit smaller in real terms than it was when he retired. Which is a happy thing. But not a 50% increase in value. Yes, it is nominal,...

Sheepdog

I have not been typical in retirement. I have been retired 22 years, living off of Social Security and investments only. I know exactly how much I have taken out each year....an average of 4.35% annual withdrawal. (As an engineer and manufacturing manager, numbers were always important so carrying o...

Sheepdog

I retired in Oct. 1998 with no new money coming in from then on. I invested very conservatively, as today, (average 31% stock in those years.) I was living off of these investments and Social Security (same as today) My average withdrawal in that decade was 4.4% per year. My total investment value d...

Sheepdog

Dear Kathleen, Thank you for writing this beautiful Happy Birthday to Taylor, the person who has meant so much to me personally thru his wisdom and advice since I "met" him on the Morningstar DIehards forum in September 1998, just as I was about to retire.. He and Mel, but others as well b...

Sheepdog

Not exactly on subject, I know. But, our latest $1200 stimulus was deposited to our bank this morning, 1/2/21. Since I don't need, it will be donated to groups which do on Monday

Sheepdog

We are in our 80s T otal spending for 2020 was (so far!) $66.960 of which are the following: QCDs and other donations plus gifting $13,695 Groceries $6167 House furnishing and appliances $6005 Entertainment (some paid and cancelled attending) $2905 Taxes $4500 (much higher than normal because of mor...

Sheepdog

Did you end up moving accounts to Schwab? I remember your prior post about that. That post was about my wife moving her account to Schwab. not mine. She wanted to move because she wanted someone local to assist her face to face after I die as she will not use a computer for anything and she feels t...

Sheepdog

Are asking about movers to London. or movers to your ?house or both?

Sheepdog

Called Monday. First, I was on hold for about 20 minutes. Then I was transferred to an agent whose answering machine said "I am away from my desk. Ask for another agent", so I went back, had to call again and repeated everything. I was put on hold again for about 20 minutes until I finally...

Sheepdog

A bunch as our 60th anniversary is New Years Eve on top of Christmas.. It is wonderful to be able to splurge, not like when we got married.

Sheepdog

Well, I was born in tbe Great Depression. My father lost his job and was out for 4 years. There wasn't anything like Unemployment Insurance. My Mom and Dad depended on others and stray jobs. Our house was lost. We moved into someone's basement for a long time, then a room over a person's garage I re...

Sheepdog

I requested an on line distribution from my IRA using the mutual fund platform on 11/30/2020 for a QCD check. Check still hasn't arrived which I consider late. The detail for the transaction on line does show the Charity name. Have the incorrect ones on line shown the Charity name c/o IRA holder or...

Sheepdog

I requested an on line distribution from my IRA using the mutual fund platform on 11/30/2020 for a QCD check. Check still hasn't arrived which I consider late. The detail for the transaction on line does show the Charity name. Have the incorrect ones on line shown the Charity name c/o IRA holder or...

Sheepdog

lthenderson wrote: ↑Tue Dec 01, 2020 9:54 am
Sheepdog wrote: ↑Mon Nov 30, 2020 6:06 pm
Thank you for your response. I appreciate it.

Sheepdog

Okay,let's say your computer.has failed or is destroyed. Who here has had that happen and then had to install your backup files to another computer. What problems dId you have? Did you recover everything? I always wondered about that. (I backup nighty to a WD My Passport external drive on one comput...

Sheepdog

Don_Qua wrote: ↑Mon Nov 30, 2020 11:04 am

I would've preferred a Whirlpool simply because Whirlpool is a US company and GE Appliance isn't anymore. W

GE appliances are American made except for compact laundry and smaller appliances from their Chinese parent, Haier. At least they are US made.

Sheepdog

There have been several threads on LG refrigerators at Bogleheads and all were negative. Search on Bogleheads and you will find them. In October 2019 I posted my saga ttps://www.bogleheads.org/forum/viewtopic.php?t=292034d. LG Refrigerator/Freezer lack of service saga' Read it to understand. Because...

Sheepdog

Retired, 87 years of age, always conservative, 27% stocks within Wellesley, Balanced Index, higher yielding 2000-01 I Bonds, short term Investment grade bond fund, and money market: yielded +7.0% YTD Return which more than covered expense withdrawals.

Sheepdog

Thanks, I’ll show this to my wife, she’s in charge of the cats. She’s already said that wet food is better for the cats but I’ll run it past her anyway. Interesting. My vet has said the opposite in that she says wet food is too often made with bad quality meat and fish (waste) while quality dry foo...

Sheepdog

Yes this is nice. But we still have the cats waking us up. They must be fed at 7am, and they don’t observe daylight savings time :D Buy an automatic feeder like this one https://petlibro.com/products/4l-automatic-feeder. (also available on Amazon). It can be set for one to four feedings a day (dry ...

Sheepdog

I give to multiple organizations over the year, almost every month needy and worthwhile organizations.....all with needs and all which I can vouch for. For your purpose, this list is to whom I donate in November and December and January only Five university foundations: (where my children went to co...

Sheepdog

When you apply too much fertilizer or spill some by accident, the salt buildup can cause fertilizer burn. So, you’ll see brown, yellow or streaked grass. This happens more often with quick-release fertilizers, which flood lawns with nutrients all at once. Healthy grass can bounce back with the right...

Sheepdog

IndyMachiner wrote: ↑Fri Nov 06, 2020 11:11 am There are currently 7 people committed to attending, this will be very exciting. Hopefully this encourages new chapters to form.

Good job in organizing this Indiana chapter. Hope to see you Wednesday evening.
Sheepdog

Sheepdog

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