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Re: Barclays CD 60-month at 2.25% APY

You mention that this money won't be put to use "until late". If that means 20 years or more, and you're relatively confident that you won't have to access the money, what about maxing out on EE bonds, if only for part of the money you're speaking of? Per the wiki section on EE savings bo...
by Sheepdog
Thu Apr 17, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1388

Re: average return over lifetime?

I don't have a lifetime return data, but I do have it from 1996, 18 years,...6.62%. This history began at age 62 with about 55% stock. Stock allocation changed to basically 100 minus age beginning at age 67. It is now at 24% stock.
by Sheepdog
Thu Apr 17, 2014 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: average return over lifetime?
Replies: 4
Views: 542

Re: What is your net worth

.....
by Sheepdog
Wed Apr 16, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5348

Re: A portfolio with a 7% yield? Your thoughts?

"While the aggregate performance of the 7% yield portfolio in recent years has been very good, this does not change the fact that this asset allocation can exhibit substantial volatility. That’s why (as a rule of thumb) I estimate that the maximum loss that you can reasonably expect from a por...
by Sheepdog
Tue Apr 15, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: A portfolio with a 7% yield? Your thoughts?
Replies: 9
Views: 1016

Re: Stocks: How Bad It Can Get

ginmqi wrote:As a young investor in my infancy years of investing, I can't wait for another financial crisis. 60-80% drop for next 2-3 years? I can only hope. :wink:

Before you know it, young investor, you will be retired and think 100% different. :annoyed
by Sheepdog
Tue Apr 15, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5332

Re: New PenFed CD rates!

nsisson wrote:Looks like they are back down to 1.5% for 5 and 7 years CDs. Was the 3% just a one time thing?

Yes, it was.
by Sheepdog
Fri Apr 11, 2014 1:41 am
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33138

Re: Roth IRA - tax free - totally ?

Contrary to a few statements above, distributions from traditional IRAs are not necessarily taxed. Although they are included in gross income, it's possible that taxable income is $0, in which case tIRA distributions after age 59 1/2 would not be taxed. I have family members for whom this has been ...
by Sheepdog
Wed Apr 09, 2014 12:56 am
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2681

Re: Carbonite vs Backblaze - an ongoing comp

I have been using SOS backup for a couple of years. I have never tested it or used it.
How do you test one? How do you download to a new computer/hard drive?
Thanks for bring this up.
by Sheepdog
Tue Apr 08, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 25
Views: 1083

Re: Any way to auto save a draft?

Ohhh, do I understand your frustration. I have been there, not only here, but other sites as well. Sometimes it has been my fault. If I know I am going to be writing something long, and to save myself some angst, I do it in Word Pad and then copy and paste. Yes, that's a nuisance, but it saves the a...
by Sheepdog
Mon Apr 07, 2014 1:33 pm
 
Forum: Forum Issues and Administration
Topic: Any way to auto save a draft?
Replies: 14
Views: 469

Re: HSBC to Capital One CC Heads-up

ieee488 wrote:
Sheepdog wrote: The new Capital One card will offer only 1% on everything. It goes into my sock drawer.

Maybe you can get them to switch you over to the 1.5% Quicksilver card.

Thanks. I will if my Priceline Visa stops giving me 2%. That could happen since they no longer issue it.
by Sheepdog
Mon Apr 07, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSBC to Capital One CC Heads-up
Replies: 3
Views: 409

HSBC to Capital One CC Heads-up

This information is for those who have an HSBC Platinum Cash MasterCard which has been changed to Capital One. April 2 was the last day in which the HSBC credit card website was available. March 30 was the last day in which you could redeem rewards under the HSBC system As of today, April 7, this is...
by Sheepdog
Mon Apr 07, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: HSBC to Capital One CC Heads-up
Replies: 3
Views: 409

Re: How are you preparing for the coming bear market

I am prepared, mentally and fiscally, so that I don't have to do anything, even when the stock market drops 50%. I have a proper In-retirement lower stock allocation. I have at least 3 years of in-retirement distributions safely tucked away so that I don't have to sell stock containing funds in over...
by Sheepdog
Sat Apr 05, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7790

Re: How did you determine your "number" for retirement

My plan was similar to livesoft , but I did not consider a divorce. (My wife told me to nix that.) As I approached my retirement age, I knew our average annual expenses which included scheduled big purchases, like automobiles and some big travel. I took that total annual figure and divided by 0.04 (...
by Sheepdog
Thu Apr 03, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3293

Re: If you could have only one fund, what would it be?

What I wrote in 2009 when this thread started still stands.
by Sheepdog
Fri Mar 28, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 124
Views: 20873

Re: Target Retirement Income today

Vanguard does show that VTINX NAV went down -0.32% today, however, JoeBd was correct that today was distribution day for the fund. When you look at your account at Vanguard tomorrow, you will find that you have more shares, assuming that you reinvest your dividends. Then look at the total value of y...
by Sheepdog
Fri Mar 28, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income today
Replies: 3
Views: 739

Re: How/do you change asset allocation with time?

I never was 90-10 or 80-20 or such. Before I retired at 65 I was always in the 65-35 to 55-45 range. But beginning at 68, I have been at 100 minus my age in stock, but I stopped adjusting at 24% stock (now 80)
by Sheepdog
Thu Mar 27, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: How/do you change asset allocation with time?
Replies: 18
Views: 1136

Re: Gardening - asparagus in particular

It has been a few years since I grew asparagus and the only reason I quit was that the area became shady. I do love fresh garden grown stalks the best. You did right in leaving last years' stalks in the ground as they add protection. Yes, cut back the old stalks and foliage this spring before growth...
by Sheepdog
Thu Mar 27, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Gardening - asparagus in particular
Replies: 24
Views: 1794

Re: We Don't want to die with Money

Let your estate be an asset for preserving what is important to you. When we die, we will be broke, in effect. About 50% or our money assets will go to our 2 sons (no grandchildren) with the remainder, plus our real estate, are willed to 4 of our favorite charities. If we didn't have our 2 sons, it ...
by Sheepdog
Wed Mar 26, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3749

Re: Roth IRA Withdrawal

The trouble with H&R Block and many other tax preparers who hire seasonal persons to prepare their clients returns, you can get improperly prepared returns. That's why many or us prepare our own. I once used H&R Block to prepare my return, the only time I did. They said I owed tax, when I th...
by Sheepdog
Mon Mar 24, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Withdrawal
Replies: 14
Views: 1005

Re: Roth IRA Withdrawal

Maybe this covers it? Publication 590 http://www.irs.gov/pub/irs-pdf/p590.pdf See Page 70, Are distributions taxable You do not include in your gross income qualified distribu- tions or distributions that are a return of your regular con- tributions from your Roth IRA(s). You also do not include dis...
by Sheepdog
Mon Mar 24, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Withdrawal
Replies: 14
Views: 1005

Re: Frugality regret: What thing do you regret not spending

I really try not to have any regrets, as regrets seem to hurt more. Besides, nothing changes with regrets. You can only change the future, not the past. That's basically what Lorek said
by Sheepdog
Sat Mar 22, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 108
Views: 13186

Re: 10 Reasons to take your pension annuity over a lump sum

sheepdog what was your starting balance prior to the cash balance rollover? That is the same lump sum rollover amount, $222,283, shown above. You should realize that that amount was calculated at an interest rate of 5.99% which was considerably higher than today's. Today, the lump sum amount would ...
by Sheepdog
Sat Mar 22, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 4235

Re: 10 Reasons to take your pension annuity over a lump sum

History of my 1998 pension lump sum I made a comment above about taking my pension as a lump sum in 1998 instead of an annuity. Last night, fighting a little insomnia, I checked the history of that lump sum. How has it performed and how well has it provided income? This is the synopsis of that exer...
by Sheepdog
Sat Mar 22, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 4235

Re: Would you buy this immediate annuity at age 80?

Sheepdog, I've wondered about this, but we haven't (yet) dealt with it... Would having two separate SPIA's, one for your wife and one for you, with *no* survivor benefits work better for these purposes? RM Two separate SPIAs with no residual value would be better, as I understand it from the attorn...
by Sheepdog
Fri Mar 21, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy this immediate annuity at age 80?
Replies: 14
Views: 1513

Re: Confused about gifting, estate taxes, and trusts

bsteiner While there's some overlap, for the most part, elder law deals mainly with Medicaid and guardianships, while estate planning/trusts and estates deals more with wealth transfer and estate taxes. The orignal poster's situation is one for a trusts and estates lawyer. Note that $800 will proba...
by Sheepdog
Fri Mar 21, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused about gifting, estate taxes, and trusts
Replies: 37
Views: 1880

Re: Would you buy this immediate annuity at age 80?

You may find this of interest. I had a meeting with my elder (estate) lawyer today. As part of the conversation I told her of my considering the purchase of an immediate annuity, with my wife and I as joint owners, with the proceeds of a traditional IRA sale. I told her that I wanted to assist my wi...
by Sheepdog
Fri Mar 21, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy this immediate annuity at age 80?
Replies: 14
Views: 1513

Re: Confused about gifting, estate taxes, and trusts

I just this hour returned from an appointment with my elder (estate) lawyer to review and revise our existing revocable trust and wills. (She is a new lawyer for us.) She gave advice on the latest changes in laws on protection of assets, gifting, etc. as well which will help us. See a lawyer... Our ...
by Sheepdog
Fri Mar 21, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused about gifting, estate taxes, and trusts
Replies: 37
Views: 1880

Re: Will upcoming rise in interest rates affect your AA?

No...That's why we have asset allocation to begin with.
by Sheepdog
Thu Mar 20, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 2069

Re: Kitchen Cabinet Refacing

frugalhen - In your post you mentioned you used a company in SE PA to reface your cabinets. I'm in SE PA and looking for a reputable company for the job. I'd appreciate and feedback/lessons learned you can share. Thanks! -Steve Steve. you may get a response, especially after 2 years, if you pm (pri...
by Sheepdog
Wed Mar 19, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Cabinet Refacing
Replies: 20
Views: 6916

Re: Would you buy this immediate annuity at age 80?

Excellent responses. They will help my wife and me make one more decision in our 53 years of marriage. I will address a few of your comments and questions. ResearchMed But don't forget to keep a lump sum available for unexpected and large expenses, such as a medical emergency. What do you have plann...
by Sheepdog
Tue Mar 18, 2014 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy this immediate annuity at age 80?
Replies: 14
Views: 1513

Re: Would you buy this immediate annuity at age 80?

According to the Vanguard longevity tool, there is a 20% chance that one or both of you will live 20 more years. Unless family history or known health issues are a factor, that makes an annuity worth considering. With respect to the options, do you have a strong bequest motive? If you do, would you...
by Sheepdog
Tue Mar 18, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy this immediate annuity at age 80?
Replies: 14
Views: 1513

Would you buy this immediate annuity at age 80?

This conversation, 10 Reasons to take your pension annuity over a lump sum. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=129811&newpost=1999830 got me thinking, should I sell my 15 year old rollover IRA, which was originally funded by a pension lump sum, and purchase an immediate annu...
by Sheepdog
Tue Mar 18, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy this immediate annuity at age 80?
Replies: 14
Views: 1513

Re: New 2013 Ford Edge Sport Should I Buy?

I have a 2010 Ford Edge and love it. It was highly recommended then. However, according to Consumer Reports, their on-board computer "Ford Touch" has caused a number of operating and safety problems. They do not recommend it. The used car reliability rating for the 2013 model is shown as w...
by Sheepdog
Tue Mar 18, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Final Dealer Offer Good Enough?
Replies: 19
Views: 900

Re: Two cent check from Vanguard

gatorking wrote:Use it to give people advice. :D

8-) that's a good one. :thumbsup
by Sheepdog
Tue Mar 18, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Two cent check from Vanguard
Replies: 27
Views: 1881

Re: 10 Reasons to take your pension annuity over a lump sum

I took my pension as a lump sum because 1. I didn't trust my employer funding the pension properly. 2. I had had a heart attack 2 months before retiring, so I did not expect to live too long. At the time, I did not believe the joint and survivor annuity choices were satisfactory. 100% to my wife red...
by Sheepdog
Tue Mar 18, 2014 2:43 am
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 4235

Re: Reverse mortgage as retirement emergency funding?

Go to http://www.AARP.org and search "reverse mortgage". There are many things which a retiree and his/her spouse needs to be concerned about.

Here is just one, written by Jane Bryant Quinn http://www.aarp.org/money/estate-planni ... early.html
by Sheepdog
Mon Mar 17, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Reverse mortgage as retirement emergency funding?
Replies: 15
Views: 926

Re: What "annual" retirement income are you hoping to achiev

Including SS, pensions and such as well as investment income?
by Sheepdog
Sun Mar 16, 2014 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What "annual" retirement income are you hoping to achieve?
Replies: 70
Views: 4159

Re: 8 hour layover in Honolulu. How to use time.

letsgobobby wrote:Are you asking if it is legally required? Or wise/safe?

I would not drive my children in any car without proper safety restraints if at all possible, regardless of the law.

Agree absolutely!!!! Children's lives first.
by Sheepdog
Sat Mar 15, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 51
Views: 3334

Re: Who cares about inflation in retirement?

Despite current projections, inflation may increase substantially at some point. In 1970s and early 80s US had very high inflation. One year was greater than 14%. See link for historic data: http://www.inflation.eu/inflation-rates/united-states/historic-inflation/cpi-inflation-united-states.aspx Th...
by Sheepdog
Sat Mar 15, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Who cares about inflation in retirement?
Replies: 55
Views: 3761

Re: Who cares about inflation in retirement?

Okay, here is a real retiree's spending in retirement, not a theoretical....mine. Age 80, retired 15+ years, married with 74 y.o. spouse. In my last year of employment, 1998, when I was 65, our expenses totaled $57,831 plus approx. $24,000 income tax. We traveled before retiring. We traveled afterwa...
by Sheepdog
Fri Mar 14, 2014 11:49 pm
 
Forum: Investing - Theory, News & General
Topic: Who cares about inflation in retirement?
Replies: 55
Views: 3761

Re: Retirement Planning - Did you ever think?

Grt2bOutdoors, Did I ever think that? Hell no. Before I was 45 (late 70s), my retirement plan was not being fired from my job which had a pension and maybe putting away some extra in CDs. In the late 70s, the new IRAs allowed $2250 a year to be invested. (Max. IRA investments then---$2000 allowed fo...
by Sheepdog
Thu Mar 13, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning - Did you ever think?
Replies: 33
Views: 3361

Re: Rail Cruise

I was just sent this email. Does this fit your rail cruise idea?

A Senator John Kerry aide (Lindsay Ross) called to inquire about a trip package to Hawaii . After going over all the cost info, she asked, ''Would it be cheaper to fly to California and then take the train to Hawaii ?
by Sheepdog
Thu Mar 13, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Rail Cruise
Replies: 16
Views: 1529

Re: What is your 2013 Federal Effective Tax Rate?

Effective...marginal...bracket....No matter.....I haven't had to pay federal taxes on my retirement income, including SS, for years, so zero is my rate
by Sheepdog
Thu Mar 13, 2014 1:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4713

Re: Unable to access my Vanguard IRA Accounts

Perhaps the kid? signed on to this different Vanguard game site and receives the message. https://www.vanguardthegame.com/
We're sorry, but you are unable to sign up for a Station Account at this time.
by Sheepdog
Tue Mar 11, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Unable to access my Vanguard IRA Accounts
Replies: 32
Views: 2032

Re: How did you get through the market crash in 08-09

Scone's comment awakened my thoughts then. I was retired and living off of my savings and SS only and that can be scary. Why not panic in downturns? Many do after all, but history says that they lose in the long run. From a book by John Merrill, "Outperforming the Market" is a table showin...
by Sheepdog
Mon Mar 10, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5438

Re: Happy fifth birthday! [since the 2008-2009 market crash]

This is not your requested dates, but close enough?. My 5 year average rate of return from 1/1/2009 to 12/31/2013 was 8.5% with an allocation averaging 24% stock. I want to stay ahead of my 4.5% average withdrawal, which I happily did with enough extra to have paid for my 2008 losses and with possib...
by Sheepdog
Mon Mar 10, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3345

Re: SWR w/current projected stock/bond returns

The main problem with a Fixed Inflation Adjusted withdrawal system is that you keep withdrawing into the teeth of a Bear Market? Which is very stupid, as you want you want less withdrawals at this point in time. Nobody in the history of retirement has ever followed a completely fixed withdrawal rat...
by Sheepdog
Mon Mar 10, 2014 6:54 am
 
Forum: Investing - Theory, News & General
Topic: SWR w/current projected stock/bond returns
Replies: 19
Views: 1060

Re: Poll: When did you retire? Would you do it all over agai

I ran a similar survey 6 years ago with which you can compare. " For retirees:At what age did you retire? ?" http://www.bogleheads.org/forum/viewtopic.php?t=12457&mrr=12023217621 I am in my 16th year. I would do it over again. I am healthy at 80. My wife and I have traveled well in the...
by Sheepdog
Mon Mar 10, 2014 6:07 am
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10684

Re: Air Crash Insurance

It was called travel insurance back then also. Travel insurance was sold in the 40s and 50s at railway and bus stations, as well as at airports.
by Sheepdog
Sat Mar 08, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Air Crash Insurance
Replies: 15
Views: 1135
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