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SGM

I have been retired 7 years. I have multiple income streams in retirement. I decided to leave more funds in my checking account rather than invest it.
The idea is to spend more. My portfolio has more than doubled since retirement.

SGM

I ignored break even analysis ad took SS at 70. Before taking SS we converted all IRAs to Roths. No RMDs are great as we don't need the income.

SGM

I have had a problem with metal and rubber tubing containing gasoline which apparently has a sweet taste. Bounce and Irish Spring soap works.
I heard human hair clippings and urine helps.

SGM

Work was not over-rated for me. I had 3 careers and each had special rewards. I had special expertise and helped young students, an industrial company and later the elderly. i just recently donated a lot to a former prof's favorite charity. he was an inspirational and aspirational inventor and scien...

SGM

My guess is 4407.51
SGM

SGM

free medallion signature
free notary
receive checks or cash from renters
safety deposit box
free senior checking
trust services
know tellers and other employees
excellent small business services
DW may use them as advisors someday
i like supporting local businesses

SGM

Best gift..daughter born near Christmas 30 years ago.

alpaca poncho from the Andes warms me every winter from sil.

we buy tickets for 10 to 20 friends every year for special shows.

SGM

Thank you Taylor. Yours is the greatest generation.

SGM

I had drips from 1985 and on. The costs were extremely low and some divs. were reinvested at a discount. Many had prepaid envelopes. Selling took a letter , effort and time. It helped me stay the course. I think they were great back then. Now I don't see a purpose for them. I still own some of those...

SGM

Dear Taylor, You have been an inspiration to so many. Your BH books have been very helpful. I am glad my brother got to meet you at a national conference. He made some very good decisions thereafter and is enjoying a successful retirement. I think your comments were very helpful for him and his wife...

SGM

I just purchased a Forester the MSRP was 2k over the actual price.

SGM

No regrets about full retirement in my 7th year. I miss my patients. Sometimes I would see them at the theater or on a bus or at the Elks club, but with the covid virus I avoid going out much. I do regret the passing of long time friends and mentors. I stay in touch with people I have known since th...

SGM

I delayed SS until 70. Over a 6 year period I did Roth conversions. Having cost of living adjustments on a higher basis is good. DW has longevity in her family plus good health. I had the higher income . Roth conversions are very helpful as I wanted to lower taxable income and increase never taxed R...

SGM

Up 8.8% YTD in Roth. I am retired over 6 years and a little conservative. I am up about 5% in taxable but I do mot keep close track of inputs and outputs in taxable accounts as it is rather complex. I have had better years when I took more risk. I have made relatively minor mistakes rarely. I am ver...

SGM

Roth accounts are up 7.4% year to date. That is accurate and I haven't added anything to it as I have been retired 6 years. I have mostly stock funds and some bond funds. My taxable accounts are up around 4%, but I add and subtract for those funds regularly and don't keep tight records. I ignore re...

SGM

Roth accounts are up 7.4% year to date. That is accurate and I haven't added anything to it as I have been retired 6 years. I have mostly stock funds and some bond funds. My taxable accounts are up around 4%, but I add and subtract for those funds regularly and don't keep tight records. I ignore rea...

SGM

I took SS at 70.In 2010 I started to make Roth Conversions. My Roth has tripled in value since I began making conversions. I compared delaying SS to safe investments and not the stock market which is risky. See Grabiners post. We now receive close $60k yearly from SS. We have no RMDs. We have plenty...

SGM

Retired 6 years. I keep my license,journals and society membership
I let Board certification lapse.

Until the virus I attended grand rounds at the local hospital for the presentations and seeing former colleagues.

SGM

I enjoyed Grand Rounds and seeing old colleagues until covid19 ended that. So many people wanted me to go back to work. How annoying having a maid come into the house once a week. It is an intrusion on privacy, but it saves a lot ofboring house work. I find somewhere else to go for several hours. I ...

SGM

Joe Tomlinson has a number of new studies on AdvisorPerspectives.com. He is a top notch actuary. One of his most recent papers investigated the bucket strategies. He expected it would do poorly compared to a typical strategy of stocks and bonds advocated here. He seemed to have have published less w...

SGM

I was a member years ago. It was a very inexpensive way to buy stock on a monthly basis. I never went to a club meeting or used their analysis tools. It was a lot more expensive to buy through a brokerage. This was before inexpensive index funds were available. I kept good records. I had winners and...

SGM

Roth is up less than 1 percent ytd.

taxable is down 2.5 percent from a high in March, but i don't budget and keep close records of income and expenses after 6 years of retirement. i have better things to do with my free time.

SGM

The Fed usually buys treasuries in financial crises and never corporate bonds until now. From May 12 to May 18 the Fed bought 3 corporate ETFs including an Ishares high dividend ETF, Vanguard Intermediate Corporate bonds ETF VCIT and Vanguard corporate short term bonds VCSH. The Fed targeted 20% of ...

SGM

DW spent 4 years as a professor at one university that had TIAA-CREF. After so many years she was allowed to transfer some of the TIAA to CREF. With an initial investment of $8000 over 4 years including matching by the university She now received up to $19000 yearly. Most of that is from CREF. Since...

SGM

This was a hot topic for me when I was approaching full retirement age. I began converting traditional tax deferred accounts when it was first allowed regardless of income in 2010. Over a period of 6 or more years I converted all those traditional tax deferred accounts to Roth accounts. I paid all c...

SGM

Earlier I posted about not needing to use an overfunded 529 has just changed. The virus has caused one grown child to telework and have a lot of free time to think about how best to have a positive impact on people's lives . That child now wants to study for a Masters in Science in nursing. Fortunat...

SGM

We enjoy living in our home. We paid off our mortgage a long time ago. Being debt free allowed us to invest more of my earnings early on.

SGM

529 is overfunded and no future need is expected. Earnings for this account are down somewhat and this would be a better time to take some out with lower taxes and penalty for non-educational use. I am sure there will be recommendations to keep the money in 529s for grand children or cousins and in ...

SGM

We hired the son of a farm employee while he is home during the virus problem. He will be cleaning an old barn. We continue to allow an essentially orphaned retarded man with suicidal tendencies and medical issues to live free in a very small apartment whenever he is let out of the hospital. When he...

SGM

I am down 12.5 % in my portfolio and bank accounts. I have sold very little during this time. I have regular withdrawals scheduled from a money market account for expenses. There is not much to spend the money on as all restaurants are closed except for carry out. Theaters are also all closed. Local...

SGM

I had an appointment for today, but the office is now closed for a few weeks. I may delay teeth cleaning for an indefinite period.

SGM

This virus is affecting my grown children. One works in a bar/restaurant and it will be closed by the state for who knows how long. The other works for a charitable organization that is temporarily closing its doors. She can work from her home and apply for future grants. Fortunately they have suffi...

SGM

The damage to the economy is far from over. No rejoicing, buying or selling. I will attend a lunch meeting of 50 people today and sit far apart from fellow attendees. Our farm renter missed a soy bean meeting. Is there anything more boring than a soy bean meeting? Two venison pepper sausage bolognas...

SGM

We delayed to 70. I used the time when I was retired or working part-time to convert traditional tax deferred accounts to Roth IRAs. I would have had to take RMDs this year. My Roth accounts have increased by 50% since I stopped conversions. My first RMD would have been 7.3% of the amount I had in ...

SGM

We delayed to 70. I used the time when I was retired or working part-time to convert traditional tax deferred accounts to Roth IRAs. I would have had to take RMDs this year. My Roth accounts have increased by 50% since I stopped conversions. My first RMD would have been 7.3% of the amount I had in R...

SGM

At age 14 I went to the Brooklyn Fox theater to see 8-10 rock groups for a price of $2.50. The group I remember the most were the Ronettes singing "Be My Baby". Murray the K produced many good concerts at the Brooklyn Fox. The groups were all very popular in the early 1960s. Around senior ...

SGM

I was always willing to contribute to retirement accounts regardless of size. When my tax deferred accounts were large and when the laws changed in 2010 allowing Roth conversions I began to convert. I have never been eligible for a direct Roth purchase. As I was converting I continued to fund my sol...

SGM

We sold a portion of our farm to the state highway administration for a bypass. The offer was ridiculous. We did not pay for an assessment. Instead we looked at a recent comparable farm sale one mile away and the SHA gave us the same price per acre as the other farm. Since the SHA did not respond si...

SGM

Happy Birthday Taylor. Your contributions are well appreciated. Best wishes for the coming year.

SGM

Condolences from me and my family. We had a similar good experience with Vanguard when I handled a parent's estate. Thank you for the work you do on this website.

SGM

We sold some Berkshire back in 2010. We still hold a little. I did not want to be too concentrated in one company. Over time we have increased the amount we have in the total market fund. We have a higher tax drag from dividends now, but our portfolio is more diverse. We still have some individual s...

SGM

The Secure Act repeals the age restriction on contributing to traditional IRAs. So in 2020 and later one can contribute to an IRA at any age as long as one has earnings..

SGM

My attitude when I was younger was that it was a good thing when the market was down. Then I was buying more shares for the same amount of dollars I invested monthly. If I sold it was to tax loss harvest and reinvest in similar but not identical funds.

SGM

I have been using spreadsheets for over 40 years both at work and for personal finance. It has helped me make decisions in the past and currently. Spreadsheets continue to be a great planning tool. I also keep information on cost basis that is not available through a brokerage account. The comment a...

SGM

My spreadsheets are of no help with my most difficult decision in retirement.

What color Porsche should I buy?

SGM

I have been keeping track of my various account balances for many years, but do not include the value of real estate or other physical assets. We don't budget and looking at total assets is an easy way to see if there has been an unusual change or expense. We had a lot of unusual expenses while reno...

SGM

3588.5

SGM

I never felt angst about RMDs or taxes. I just planned in 2010 when Roth conversions were allowed regardless of income to start converting traditional IRAs and later 401ks to Roth IRAs over several years. Some considerations were increased taxes for a widow. Then there was the inheritance of Roth ac...

SGM

RMDs will not lower my wealth because I began making Roth conversions in 2010 and did so yearly until after I was retired and before taking delayed SS. Part of that time I had lower earned income or no earned income. Now I have no RMDs and my Roth and taxable accounts have gone up in value considera...

SGM

My Flagship rep disappeared one day without notice. A month or two later another Flagship representative was assigned to our accounts. I have been satisfied with the service at Vanguard.

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