Search found 5647 matches

by Sheepdog
Wed Apr 14, 2021 4:27 am
Forum: Investing - Theory, News & General
Topic: I Bonds variable rate @ 3.54% in May
Replies: 18
Views: 2602

Re: I Bonds variable rate @ 3.54% in May

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
by Sheepdog
Mon Apr 12, 2021 7:43 am
Forum: Investing - Theory, News & General
Topic: Monthly or Yearly Withdrawals in Retirement
Replies: 38
Views: 3710

Re: Monthly or Yearly Withdrawals in Retirement

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...
by Sheepdog
Sun Apr 11, 2021 10:54 pm
Forum: Personal Consumer Issues
Topic: Progressive Auto Insurance
Replies: 21
Views: 2058

Re: Progressive Auto Insurance

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...
by Sheepdog
Sun Apr 11, 2021 6:58 pm
Forum: Investing - Theory, News & General
Topic: Monthly or Yearly Withdrawals in Retirement
Replies: 38
Views: 3710

Re: Monthly or Yearly Withdrawals in Retirement

cheese_breath wrote: Thu Apr 01, 2021 10:09 pm Withdraw when / if I need it.
YES
by Sheepdog
Sat Apr 10, 2021 4:40 pm
Forum: Personal Consumer Issues
Topic: Gardening 2021
Replies: 30
Views: 2488

Re: Gardening 2021

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.
by Sheepdog
Sat Apr 10, 2021 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal Frequency in Retirement
Replies: 22
Views: 1731

Re: Withdrawal Frequency in Retirement

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...
by Sheepdog
Fri Apr 09, 2021 1:00 pm
Forum: Personal Consumer Issues
Topic: Gardening 2021
Replies: 30
Views: 2488

Re: Gardening 2021

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...
by Sheepdog
Wed Apr 07, 2021 9:45 am
Forum: Investing - Theory, News & General
Topic: How much do you spend annually in retirement?
Replies: 112
Views: 10476

Re: How much do you spend annually in retirement?

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...
by Sheepdog
Thu Apr 01, 2021 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Previous Salary req before offer
Replies: 24
Views: 2081

Re: Previous Salary req before offer

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 ...
by Sheepdog
Wed Mar 31, 2021 5:01 pm
Forum: Investing - Theory, News & General
Topic: For those using a Roth IRA since the beginning (1998?), what's your balance? (Come on, we're anonymous)
Replies: 68
Views: 6396

Re: For those using a Roth IRA since the beginning (1998?), what's your balance? (Come on, we're anonymous)

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...
by Sheepdog
Thu Mar 18, 2021 12:25 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23725

Re: What is the BEST thing you spent money on?

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 ...
by Sheepdog
Thu Mar 18, 2021 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Tax Return - Incorrect Banking Info. What do I do?
Replies: 7
Views: 413

Re: Tax Return - Incorrect Banking Info. What do I do?

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.
by Sheepdog
Tue Mar 16, 2021 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 363
Views: 25987

Re: Received 3rd stimulus check 3/12/21

My stimulus check was deposited tonight, 3/16, along with my Social Security payment (a few hours early) to my checking account.
by Sheepdog
Sun Mar 14, 2021 4:33 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 363
Views: 25987

Re: Received 3rd stimulus check 3/12/21

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
by Sheepdog
Thu Mar 11, 2021 6:15 pm
Forum: Personal Investments
Topic: Looking For Suggestions
Replies: 3
Views: 298

Re: Looking For Suggestions

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?
by Sheepdog
Sat Mar 06, 2021 6:19 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 595
Views: 55380

Re: What is your age and asset allocation ?

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
by Sheepdog
Thu Mar 04, 2021 4:51 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on 5% SWR
Replies: 205
Views: 13179

Re: Thoughts on 5% SWR

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...
by Sheepdog
Sun Feb 21, 2021 10:47 am
Forum: Personal Investments
Topic: Have you gotten your 2021 Schwab 1099 yet?
Replies: 39
Views: 2823

Re: Have you gotten your 2021 Schwab 1099 yet?

My wife's IRA 1099s are still not available. Our Schwab checking acct 1099 was received a week ago.
by Sheepdog
Sun Feb 14, 2021 7:59 am
Forum: Personal Consumer Issues
Topic: Urgent passport issue
Replies: 42
Views: 7083

Re: Urgent passport issue

Contact your congress person. They sometimes can assist.
by Sheepdog
Sat Feb 13, 2021 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Engineering Physics as a major
Replies: 92
Views: 4597

Re: Engineering Physics as a major

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...
by Sheepdog
Sat Feb 13, 2021 12:02 am
Forum: Personal Investments
Topic: Have you gotten your 2021 Schwab 1099 yet?
Replies: 39
Views: 2823

Re: Have you gotten your 2021 Schwab 1099 yet?

I was also advised that they will be available 2/19
by Sheepdog
Tue Feb 09, 2021 9:53 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 455
Views: 306175

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

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...
by Sheepdog
Mon Feb 08, 2021 11:51 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1051
Views: 47718

Re: Bird watchers – what birds are you seeing?

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...
by Sheepdog
Sun Feb 07, 2021 4:40 pm
Forum: Personal Consumer Issues
Topic: What's your Yearly Costco Spend?
Replies: 96
Views: 5473

Re: What's your Yearly Costco Spend?

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...
by Sheepdog
Sun Feb 07, 2021 3:16 pm
Forum: Personal Consumer Issues
Topic: What's your Yearly Costco Spend?
Replies: 96
Views: 5473

Re: What's your Yearly Costco Spend?

0..... The closest Costco to me is 75 miles away.
by Sheepdog
Sun Feb 07, 2021 3:10 pm
Forum: Investing - Theory, News & General
Topic: Retirees: How typical am I?
Replies: 82
Views: 7300

Re: Retirees: How typical am I?

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,...
by Sheepdog
Sat Feb 06, 2021 10:07 am
Forum: Investing - Theory, News & General
Topic: Retirees: How typical am I?
Replies: 82
Views: 7300

Re: Retirees: How typical am I?

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...
by Sheepdog
Thu Jan 28, 2021 1:31 pm
Forum: Personal Investments
Topic: 1999 – 2009 “The Lost Decade” experience
Replies: 52
Views: 3070

Re: 1999 – 2009 “The Lost Decade” experience

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...
by Sheepdog
Mon Jan 25, 2021 6:47 am
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 6383

Re: Happy 97th Birthday, Taylor Larimore

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...
by Sheepdog
Sat Jan 02, 2021 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus deposit
Replies: 16
Views: 2141

Re: Stimulus deposit

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
by Sheepdog
Wed Dec 30, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12862

Re: What did you spend in 2020?

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...
by Sheepdog
Wed Dec 16, 2020 2:52 am
Forum: Investing - Theory, News & General
Topic: Can anyone reach Vanguard on the phone?
Replies: 173
Views: 14225

Re: Can anyone reach Vanguard on the phone?

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...
by Sheepdog
Sat Dec 12, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Moving from NYC to London - please recommend movers
Replies: 22
Views: 1583

Re: Moving from NYC to London - please recommend movers

Are asking about movers to London. or movers to your ?house or both?
by Sheepdog
Wed Dec 09, 2020 5:58 am
Forum: Investing - Theory, News & General
Topic: Can anyone reach Vanguard on the phone?
Replies: 173
Views: 14225

Re: Can anyone reach Vanguard on the phone?

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...
by Sheepdog
Tue Dec 08, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on gifts for the holidays?
Replies: 73
Views: 4341

Re: How much do you spend on gifts for the holidays?

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. :beer
by Sheepdog
Tue Dec 08, 2020 3:11 pm
Forum: Investing - Theory, News & General
Topic: Well... it's time for me to be party pooper.
Replies: 108
Views: 17033

Re: Well... it's time for me to be party pooper.

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...
by Sheepdog
Mon Dec 07, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard has issues with QCDs on 10/19/20, is a continuing issue
Replies: 52
Views: 4417

Re: Vanguard has issues with QCDs on 10/19/20, is a continuing issue

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...
by Sheepdog
Mon Dec 07, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard has issues with QCDs on 10/19/20, is a continuing issue
Replies: 52
Views: 4417

Re: Vanguard has issues with QCDs on 10/19/20, is a continuing issue

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...
by Sheepdog
Wed Dec 02, 2020 4:53 am
Forum: Personal Consumer Issues
Topic: How often do you backup?
Replies: 80
Views: 4873

Re: How often do you backup?

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.
by Sheepdog
Mon Nov 30, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: How often do you backup?
Replies: 80
Views: 4873

Re: How often do you backup?

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...
by Sheepdog
Mon Nov 30, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: LG refrigerator failure - any hope of compensation?
Replies: 34
Views: 2770

Re: LG refrigerator failure - any hope of compensation?

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.
by Sheepdog
Mon Nov 30, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: LG refrigerator failure - any hope of compensation?
Replies: 34
Views: 2770

Re: LG refrigerator failure - any hope of compensation?

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...
by Sheepdog
Sun Nov 29, 2020 3:17 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3500
Views: 582724

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

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.
by Sheepdog
Wed Nov 25, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26335

Re: Long time retirees: any regrets?

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...
by Sheepdog
Wed Nov 25, 2020 6:35 am
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26335

Re: Long time retirees: any regrets?

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 ...
by Sheepdog
Tue Nov 24, 2020 3:54 am
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 145
Views: 6291

Re: What charity are you donating to this Christmas season?

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...
by Sheepdog
Mon Nov 23, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Killed grass with too much fertilizer
Replies: 51
Views: 3278

Re: Killed grass with too much fertilizer

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...
by Sheepdog
Mon Nov 16, 2020 2:32 pm
Forum: US Chapters
Topic: Indiana Bogleheads Chapter Established
Replies: 74
Views: 6212

Re: Indiana Bogleheads Chapter Established

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