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Re: What's your withdrawal rate for 2014?

My goal for my 16+ years in retirement has been to average 4.5% annual withdrawal. Some years will be more and some less, but the average has been maintained. In 2014, we did some remodeling (completely new bath and a remodeled laundry room), so my withdrawal was 4.75%. However, the average remains ...
by Sheepdog
Wed Dec 17, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your withdrawal rate for 2014?
Replies: 26
Views: 2547

Re: Do you travel with friends in retirement?

I never traveled with friends before or during retirement. My wife and I want to experience what and when we wish. I can't imagine finding friends who share what we wish to share. Besides, we always meet new people when we travel...and they become new friends, although temporary. We are able to shar...
by Sheepdog
Wed Dec 17, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 41
Views: 2885

Re: Roth conversion tax question

I do not have a link to prove this statement which I believe is true. If you convert funds to a Roth after you reach 59 1/2, you can withdraw them at any time tax and penalty-free. You do not need to wait for five years to pass to take a distribution. By the way, all of my conversions were after I r...
by Sheepdog
Sun Dec 14, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth conversion tax question
Replies: 23
Views: 1257

Re: (Poll) Did you tap into emergency fund in the past 10 ye

Everything I own is in my emergency fund. I tap into it monthly. Me too. As a retiree, since all of my funds are needed for daily living, none need to be separated out as an "emergency" fund. Yes, I had unexpected expenses, but unexpected expenses are expected in a long life. I plan for t...
by Sheepdog
Sat Dec 13, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 54
Views: 3472

Re: Florida Keys Vacation Rental

Go to VRBO (Vacation Rentals by owner set on Florida Keys (3448 rentals advertised)) http://www.vrbo.com/vacation-rentals/usa/florida/keys . If this is for this season, it will be difficult to find an affordable available rental, but you can try. They will be expensive. When you see a place which yo...
by Sheepdog
Sat Dec 13, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Florida Keys Vacation Rental
Replies: 24
Views: 2202

Re: Got earthquake insurance?

I have earthquake insurance in Indiana. I am on the Wabash Fault which is connected to the New Madrid fault line. The zone had four of the largest North American earthquakes in recorded history, with moment magnitudes estimated to be as large as 8.0, all occurring within a three-month period between...
by Sheepdog
Sun Dec 07, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got earthquake insurance?
Replies: 35
Views: 2062

Re: Stanley Kubrick's 2001 a space odyssey

Thanks for my memory revival. I loved it when it came out. I saw it twice in successive days. I found it fascinating and I wanted to find the message. Did I? I did, and it involved the creation of man, our development, and then a rebirth perhaps to a better future. My derived meaning was a guess, of...
by Sheepdog
Thu Dec 04, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3961

Re: Where do you shop for groceries?

Aldi's for 68% of my grocery dollar and 32% from Krogers in 2014
by Sheepdog
Thu Dec 04, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 6031

Re: What % of your fixed-income is TIPs?

Zero TIPs, but 20% of total investment is I Bonds. Of fixed income, that would be 27%.
by Sheepdog
Wed Dec 03, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3500

Re: [Poll] What's Your Tax Prep Strategy?

There are more ways than in the poll. I would vote Other, if that choice was available as I have used other providers. I am not set on any one provider. In addition, I volunteer preparing tax returns for others using whatever free software is best for them
by Sheepdog
Tue Dec 02, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 62
Views: 3291

Re: Retirees: Why worry?

Yes, I did wonder (worry?) if my retirement financial plans would really work. Would I have enough? My wife was and is investing illiterate. What if I died early, did I have everything laid out to make it easier for her.? All for naught. Now 16 years retired I had enough and I have more than when I ...
by Sheepdog
Tue Dec 02, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirees: Why worry?
Replies: 25
Views: 2915

Re: Spending changes in retirement? Vanguard CFP

Not much difference for us since retiring 16 years ago. We traveled before retiring , and after. We traveled last year out of country and this year as we did my last year of retirement and the year following. We ate out weekly and attended sporting events and theater before and after. We bought cars...
by Sheepdog
Tue Dec 02, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending changes in retirement? Vanguard CFP
Replies: 9
Views: 769

Re: Vacuum Cleaner Suggestions Please

Consumer Reports tested vacuums this year. Top rated Bagged Uprights 1. Kenmore Elite 31150 $350 2. Miele S7210 Twist $475 3. Miele S7260 Cat & Dog $715 4. Kenmore 31140 $200 Best Buy Bagged Uprights Kenmore 31140 $200 Kenmore Progressive 31069 $200 (I bought this one 3 months ago. It is great,...
by Sheepdog
Thu Nov 27, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 2260

Re: How did you handle the 2008 bear market ?

Read this long thread from Nov 12, 2008 as the "crash" was ending, titled "What's your one big takeaway from the Crash of 2008?." You may find it enlightening. viewtopic.php?f=10&t=28103
by Sheepdog
Tue Nov 25, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 6239

Re: Vanguard Money Market Fund - keep open ?

All? No way to tell.. My MM account has been empty for some time, but it has not been removed from my account list by Vanguard even though empty.
by Sheepdog
Tue Nov 25, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Fund - keep open ?
Replies: 17
Views: 1538

Re: What doyou splurge on?

Gardening, eating out at special restaurants, entertainment (attending plays, symphonies, home NFL games), good bourbon and scotch... good stuff all. Maybe these things aren't necessary, but they are.....for the soul.
by Sheepdog
Fri Nov 21, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19841

Re: Retirees' Regrets

No real regrets, except that I believed I would not live too many years after retiring because of my heart attack before retiring, plus my father passing at 61 and because of that I took my SS at 65 and have my wife take hers at 62 rather than wait. I could have waited to get more, but it didn't mak...
by Sheepdog
Fri Nov 21, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 2961

Re: How often do you go out to dinner?

We eat in a "sitdown" restaurant for an evening meal at least one day every weak, but twice a week about every other week or whenever we go to a play or concert or sporting event. Lunch meals? .about 3 times a week. Our restaurant expense this year totals $3,900.
by Sheepdog
Mon Nov 17, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 5572

Re: Who is mailing Holiday Cards this year?

I do send Christmas and Hanukkah cards, but I don't send holiday cards.
by Sheepdog
Sat Nov 15, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3601

Re: I BONDS

If purchased in April 2003 the bonds have a fixed rate of 1.6% and would earn this through 2033. The fixed rate of 1.6% will more than cover the additional 10% tax if you hold through maturity in 2033. I would hold these as part of your long term fixed allocation and not let the tail wag the dog wi...
by Sheepdog
Thu Nov 13, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: I BONDS
Replies: 8
Views: 1166

Re: Redeeming I-bonds in January 2015. A couple questions.

You have evidently read the Treasury website. It says, If your paper bond is lost, stolen, or destroyed We need the following information before searching for the record of your bond: Bond serial number -- If you don’t have the bond serial number, provide all of the following: a. Specific month and ...
by Sheepdog
Tue Nov 11, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Redeeming I-bonds in January 2015. A couple questions.
Replies: 3
Views: 574

Re: Happy Birthday, Marines!

Semper Fi, Rick, from this proud ex Marine. No, I take that back. We are never ex Marines, are we?
I also thank all of those who have served our nation at home, in the air, on the seas and on the battlefields.
Jim Wood
Sergeant
USMC 1952-56
by Sheepdog
Mon Nov 10, 2014 10:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 1175

Happy 239th Birthday, U.S. Marine Corps

[Thread merged, see below. --admin LadyGeek] From their debut in 1775 when the Second Continental Congress passed a resolution creating “two Battalions of Marines be raised,” to the mountains of Afghanistan and the deserts of Iraq, the United States Marine Corps has earned the world’s respect as an...
by Sheepdog
Mon Nov 10, 2014 2:04 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 1175

Re: Collision claim on new auto policy - problems

I always call the police and file a report. Let the other driver lie to the police if he's so inclined. In this community, if the accident is on private property, like a strip mall, and no one is injured, the police will not send anyone to file a report. Are others like that? (You may file an accid...
by Sheepdog
Fri Nov 07, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Collision claim on new auto policy - problems
Replies: 24
Views: 2178

Re: Your very first email

I don't remember my first one, but it was at work, probably in the early 90s. My first personal email at home was in the mid 90s via Prodigy. There was a monthly limit which I could send or receive based on my plan. Personal security was non existent as I remember. When I joined Morningstar in 1998 ...
by Sheepdog
Thu Nov 06, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2436

Re: What do you set your thermostat to (in F)?

winter settings
68 8am to 11 pm
65 ll pm to 8 am

I voted 68 as there is only 1 choice possible
by Sheepdog
Tue Nov 04, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4618

Re: Photos from my recent bicycle ride across Wales

Thank you for the photographs. They helped remind me of my motoring trip thru beautiful Wales a decade or so ago. Besides the scenery and many castles, wonderful, hospitable people live there.
by Sheepdog
Sun Nov 02, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1766

5 things you don't know about Vanguard

Marketwatch's Victor Reklaitis published this story 11/1/14 " 5 things you don't know about Vanguard . http://www.marketwatch.com/story/5-things-you-dont-know-about-vanguard-2014-10-31?siteid=rss&rss=1 MALVERN, PA. (MarketWatch)—Vanguard isn’t Apple or Coca-Cola, but with its huge retiremen...
by Sheepdog
Sat Nov 01, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: 5 things you don't know about Vanguard
Replies: 21
Views: 4700

Re: Traditional Medicare vs Medicare Advantage

I had been insured by Medicare plus a Medigap plan for 15 years. Later I added the Part D prescription plan. When I enrolled with my first Medigap plan my rate was about $79 a month. As rates increased, I would review new plans. In 2005, I was advised of a big increase, so I changed to another with ...
by Sheepdog
Mon Oct 27, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 2240

Re: If holding cash, do you want a Great Depression?

I certainly don't wish for a Great Depression, not tike the 30s. You shouldn't either....too much pain...too much death....too much poverty....too much suffering. Banks closed and people lost their cash savings. I was a child of that time. Terrible.
by Sheepdog
Mon Oct 27, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 4148

Re: Do you dream about retirement?

No more do I dream about retirement. I live retirement. Wonderful, busy, enjoyable time of life. However, I have a recurring dream of my working years even after 16 years retired, so I guess I dream about work. In that dream I am doing my job, running a factory, working with my coworkers, just as if...
by Sheepdog
Mon Oct 27, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 6875

Re: investing during retirment

It takes "staying the course" planning, controlled spending, and investment allocation to survive decades of retirement with good and bad markets. Jim I completely agree and applaud your ability to weather the storms of the last decade plus. Just trying to do some math based on your numbe...
by Sheepdog
Thu Oct 23, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 2099

Re: investing during retirment

I hope I'm not getting away from your initial inquiry, but I think since 2008, a lot of folks retiring didn't realize just how mis-allocated they were. I hope everyone can humor me for a minute: If I'm taking income from a significant bond allocation, my loss wasn't as bad in 2008, but neither were...
by Sheepdog
Thu Oct 23, 2014 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 2099

Re: Gross Yearly Income needed in Retirement (Speculation)

I live in a low cost of living midwest area, have a paid for 4 BR suburban home on well landscaped 1/2 acre property, and 2 late model cars. Spent $5.5K annual average for vacations the last 5 years. Spent $5K annually for entertainment (sports, symphonies, theater, etc.); $4K annually for restauran...
by Sheepdog
Wed Oct 22, 2014 2:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 13139

Re: Why do people use age instead of life expectancy?

If I had used "life expectancy" at 64 in 1998 to determine my investment makeup, it would have been greatly short. My father died at 61 and I had had a heart attack that year, so my "expectancy" was very short. Why not just go out and blow it all? Good thing I didn't since I am s...
by Sheepdog
Mon Oct 20, 2014 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2976

Re: What tax software do you use and why

I used TaxSlayer.com the last 3 years for myself and helping others file theirs. Simple questions to answer so the completion is simple. Plus it is cheap or no cost at all for those with lower AGI.
by Sheepdog
Sat Oct 18, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2716

Re: What will you do when you retire?

What did I do and am doing in my 16 years, going on 30 years, retired? Kept up my gardening and other hobbies, keep up my house (now doing a bath remodel), exercising more to remain healthy, volunteer wherever I am needed, travel in the US and world every year, attend more sporting and cultural even...
by Sheepdog
Sat Oct 18, 2014 11:31 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 37
Views: 4000

Re: Anyone cancelling travel plans?

No, we are not cancelling any travel plans. Why should we? The only fear I have is driving to the airport 70 miles away in January in snow or ice, but even that won't stop me. . Now, if I was scheduled for a photo safari in Africa, maybe I would, but ONLY that.
by Sheepdog
Sat Oct 18, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6482

Re: If those airline passengers get sick- airline stocks wil

"We have nothing to fear but fear itself;" FDR
by Sheepdog
Sat Oct 18, 2014 3:51 am
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1793

Re: Your personal risk level: Got your flu shot yet?

Yes, I had my flu shot this week at my physician's office.
I am also current on my pneumonia vaccination.. last taken 4 years ago..very important for seniors.
by Sheepdog
Thu Oct 16, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3251

Re: What are you up YTD?

Retiree....24% stock
I posted on 8/26 4.6%
As of 10/13 4.2%
by Sheepdog
Tue Oct 14, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18768

Re: You will think this is a stupid question

Sure, the bond fund net asset value will rise, but so will the interest earned. Keep it for the length of the duration, I will be fine.
by Sheepdog
Tue Oct 14, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: [unofficial Fed announcements make bond prices predictable?]
Replies: 25
Views: 956

Re: Retired and end of month checking account balance?

My checking account balance varies based on monthly cash flow forecasts, but I do have a minimum balance of $3000 because that is the minimum to maintain my bank''s free senior checking account perks (free interest bearing checking, free checks, travel club, weekly breakfast seminars, free notary se...
by Sheepdog
Mon Oct 13, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 2515

Re: Clothes Dryer drying very slowly

It is likely that lint has built up in the dryer exhaust pipe. Clean it out and you probably will have it dry properly.
by Sheepdog
Sun Oct 12, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2002

Re: I-bonds - variable rate - Nov 1

Sheepdog wrote:According to Sheyna Steiner of Bankrate.com http://www.bankrate.com/finance/savings ... ond-1.aspx ,
[
Exciting, huh?


Edit: Ignore this report; Thanks for letting me know that this report was from 2010. Sorry. There was no date on the 1st page.
by Sheepdog
Sun Oct 12, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds - variable rate - Nov 1
Replies: 13
Views: 2253

Re: I-bonds - variable rate - Nov 1

Deleted reply
Exciting, huh?
by Sheepdog
Sun Oct 12, 2014 1:55 am
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds - variable rate - Nov 1
Replies: 13
Views: 2253

Re: Draw down taxable saving first?

After retiring, I spent taxable accounts first while also converting some to Roth IRAs and I Bonds, as follows. After retiring I worked to reduce my taxable accounts during the first 5 years (1998-2002) when my tax rate was lower to save taxes later and to allow my tax deferred accounts to grow. 1. ...
by Sheepdog
Fri Oct 10, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Draw down taxable saving first?
Replies: 43
Views: 3769

Re: When people put all their eggs in the wrong basket

Horrible. Here is just part of what one person, Bond007, wrote yesterday at 1:11 pm. I won't make a comment on all of this. This fellow says it all. Very sad. These are just excerpts of his writeup of his losses. Bond007 wrote This would be my last post on this forum. I am officially signing off. Th...
by Sheepdog
Wed Oct 08, 2014 6:37 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 29866

Re: Retirees only, what was you average investment return?

Retired 16 years ago. I have no idea of my long term pre retirement returns before the last 3 years before retiring (96,97,98). The average for those 3 bull market years was 12.53%. I did not record that in your poll because it was such a short time frame
by Sheepdog
Wed Oct 08, 2014 6:07 am
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3572
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