Search found 4938 matches

by Sheepdog
Sat May 26, 2018 4:05 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 42
Views: 2343

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

How much is invested? How much income do they expect from that? 2% CDs or stocks and bonds at whatever allocation? How much do they spend each year for normal expenses? Only from that can they, or any of us, make a reasonable estimate of their withdrawal rate. They can decide on any rate they wish, ...
by Sheepdog
Fri May 25, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal
Replies: 23
Views: 2513

Re: Variable Percentage Withdrawal

May I repeat my almost 20 year successful VPW system and history? My withdrawal rate history has certainly oscillated, but that was expected, so planned for. For me, planning for a big vacation in Europe or Asia, new autos, or buying and maintaining a lake cottage (all of which are in our history), ...
by Sheepdog
Sat May 19, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 5627

Re: What’s your phone/internet bill?

Land line and internet which includes modem $74.91 monthly (Frontier)
Cell phone $93.21 annually (Tracfone) (never use the allowed minutes voice or text)
by Sheepdog
Fri May 18, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 613

Re: looking for simple smart phone - anyone use Jitterbug

I am doing more than fine with my Samsung smart phone provided by Tracfone and have had it for 3 or 4 years. It is small and cheap to buy and use. I seldom use it for texting....maybe only 3 or 4 times a year, but it could do a lot more. (I don't like to text....I would rather talk personally of ema...
by Sheepdog
Thu May 17, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2548

Re: What would you do? takes 6 months to fix a Tesla Model S

:confused [OT comment removed by moderator prudent] We have owned a Tesla Model S now going on 6 years and it has had a few collisions, ... I'm trying to imagine owning a Tesla (or any car) and colliding in it "a few" times over 6 years. :shock: Me too. I have been driving for 65 years with only one...
by Sheepdog
Wed May 16, 2018 2:50 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9019

Re: The front page is wondeful

Hey sheepdog, this year is the 20 year anniversary of your retirement! How is it going? Hey, thanks for thinking of that. On October 2, just before the annual Boglehead's conference, that will be my 20th anniversary. Things are doing great. I have plenty of dough, am healthy, volunteering with kids...
by Sheepdog
Mon May 14, 2018 7:25 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9019

Re: The front page is wondeful

The purpose of the site is to provide an area for discussion of investing and personal finance. I can't see how that purpose would be served by adding needless decoration or annoying animation. Well written. This site is beautiful in content, so that makes it beautiful to the eye. The front page is...
by Sheepdog
Sun May 13, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16909

Re: What Percentage CASH are you?

Age 84+..15.7% cash and cash equivalents. (Cash equivalents include short term bonds, fixed term SPIAs, and CDs coming due within a year.) If I were to include I bonds, it would be 36%
by Sheepdog
Fri May 11, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2457

Re: Happy 89th birthday to [Jack] Bogle

Happy 89th Mr Bogle. It is wonderful how much your life has meant for so many.
by Sheepdog
Fri May 11, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Using Vanguard Wellesley for Emergency Fund $30k, reinvest dividends in taxable???
Replies: 9
Views: 1388

Re: Using Vanguard Wellesley for Emergency Fund $30k, reinvest dividends in taxable???

nisiprius, A sane person could decide to take the risk, just don't let the "30 day SEC yield 3.17%, bank only pays 1.6%" part blind you to the "might lose 20%" part. Your fine description of what did and could happen in a market downturn is another good reason why we are so fortunate to have you be ...
by Sheepdog
Fri May 11, 2018 12:35 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 60
Views: 8379

Re: Savings Bond Wizard to be eliminated 5/18

I moved my SB Wizard inventories to the SB Calculator over the weekend. The transfer went without a problem and the saved file opened up later without a hitch. In terms of functionality the SB Calculator seems to do everything I used SB Wizard for so no worries there. At least for me this was as pa...
by Sheepdog
Thu May 10, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5305

Re: What's the view on dogs running free?

I probably could make a comment, but I shouldn't except to say "Arf Arf".
Sheepdog
by Sheepdog
Wed May 09, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1117

Re: annualcreditreport

For free you can receive one report per year per person. My wife and I receive one each, spaced two months apart so that we receive 6 reports a year total. Isn't that enough? I'm not seeing the benefit of this scheme. Your wife's and your credit records are independent, right? Why not run two credi...
by Sheepdog
Tue May 08, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1117

Re: annualcreditreport

randompacking wrote:
Tue May 08, 2018 8:12 am
has anyone tried to do more than 3 per year through the annualcreditreport website?
Yes, I did several years ago one time and was denied.
by Sheepdog
Tue May 08, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1117

Re: annualcreditreport

For free you can receive one report per year per person. My wife and I receive one each, spaced two months apart so that we receive 6 reports a year total. Isn't that enough?
by Sheepdog
Tue May 08, 2018 5:18 am
Forum: Investing - Help with Personal Investments
Topic: When did you start drawing profits from taxable?
Replies: 48
Views: 3247

Re: When did you start drawing profits from taxable?

I retired in October 1998 and started withdrawing from taxable the next month to meet expense needs to add to Social Security receipts, not just from their profits, but the taxable investments themselves. At that time, in my future tax planning, my goal was to reduce much of my taxable accounts. I d...
by Sheepdog
Mon May 07, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 1345

Re: Family Vacation in Late Feb

With kids I loved on a beach..on an island or mainland where I could rent a condo or preferably a house. You can even find one with a boat for fishing (fun) perhaps on the east coast inland waterway or on the Gulf in Florida or Atlantic in Florida. From there you could drive to spend a day or two at...
by Sheepdog
Sun May 06, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4385

Re: AMC Movie Theaters -- typical OR not?

Prices seemed reasonable: $30 for three of us. Whoa! Atypical. Are you posting from the 1990s? I don't know if you can get into a discount theater for much under $10 around here. Sounds like a great experience. Hope the movie was fun, too. The "upscale" theaters in my neighborhood are showing their...
by Sheepdog
Sat May 05, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8962

Re: Warning: avoid Windows 10 update 1803

I have 2 computers...Would you believe I never have any problems? One is a Windows 7 and the other is on Windows XP which is in a 2002 year model Dell used almost daily for 16 years. And, the latter has not had any updates available for years. The doom and gloom stories of continuing to use it have ...
by Sheepdog
Fri May 04, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 1988

Re: My first week of cycling in Slovenia and Croatia

I was wondering where I would vacation. You are taking me there with just your words. Thank you.
by Sheepdog
Thu May 03, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards being mailed now - check your status
Replies: 5
Views: 420

Re: New Medicare cards being mailed now - check your status

Has anyone heard whether the new Medicare cards will be made more durable than the current cards. Something like a plastic card or at least a laminated paper would be a good idea I think. It is paper as I have read. Perhaps you may wish to put it into a plastic sheath yourself. I will not be using ...
by Sheepdog
Thu May 03, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards being mailed now - check your status
Replies: 5
Views: 420

Re: New Medicare cards being mailed now - check your status

CABob wrote:
Thu May 03, 2018 11:05 am
Has anyone heard whether the new Medicare cards will be made more durable than the current cards. Something like a plastic card or at least a laminated paper would be a good idea I think.
It is paper as I have read. Perhaps you may wish to put it into a plastic sheath yourself.
by Sheepdog
Wed May 02, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4091

Re: Ally asking CURRENT customer to provide SSN card?

My banks requires my SS number if for no other reason than to issue 1099 iNTs. In addition, a quick Google asking your question, I came up with this Why Your Bank Wants to Know Your Social Security Number https://www.depositaccounts.com/blog/bank-social-security-number.html It’s all about numbers – ...
by Sheepdog
Wed May 02, 2018 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 1814

Re: Savings bond Wizard says Rate N/A for I bonds

Comment for Sport: See the other thread which I posted earlier https://www.bogleheads.org/forum/viewtopic.php?f=2&t=248455&newpost=3907993&view=unread#unread . Do click on "VIEW ALL" to see your full inventory. I followed those instructions. I do not see a "view all" button on the html summary page...
by Sheepdog
Tue May 01, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 1814

Re: Savings bond Wizard says Rate N/A for I bonds

Comment for Sport: See the other thread which I posted earlier viewtopic.php?f=2&t=248455&newpost=3907 ... ead#unread . Do click on "VIEW ALL" to see your full inventory.
by Sheepdog
Tue May 01, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 5
Views: 862

Re: Savings Bond Wizard replacement is available

Thanks, I'll have to check it out myself. I completed the transfer to the calculator of my 105 bonds. It works, but I preferred the Wizard....maybe it is because I am used to the Wizard more. I am pleased, though, that all my bond values are there and I can look ahead to see the value of them for e...
by Sheepdog
Tue May 01, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 5
Views: 862

Savings Bond Wizard replacement is available

The Savings Bond Wizard no longer is available to be updated. However, the Savings Bond Calculator offers some of the same features and you can export your bond inventory from the Wizard to the Calculator. Treasury Direct has issued instructions on how to do it at https://www.treasurydirect.gov/indi...
by Sheepdog
Sun Apr 29, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3114

Re: How do you fund spending in retirement

I do not have a pension. Spending comes from Social Security and investments. My expense funding varied as time went on (now in my 20th year.) I will put my approximate funding in 5 year increments. All years add Social Security I. 1st 5 years (1998-2003) disposed most of taxable investments for exp...
by Sheepdog
Thu Apr 26, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Annual Increase
Replies: 20
Views: 1711

Re: Homeowners Insurance Annual Increase

My homeowner's insurance increased 7.7% this year and my auto went up 15.5%. My company is The Hartford thru AARP. I expected increases this year because of the amount of insurance payouts last year due much to hurricanes and floods. I have changed insurers often. That has been my only defense to h...
by Sheepdog
Thu Apr 26, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Annual Increase
Replies: 20
Views: 1711

Re: Homeowners Insurance Annual Increase

My homeowner's insurance increased 7.7% this year and my auto went up 15.5%. My company is The Hartford thru AARP. I expected increases this year because of the amount of insurance payouts last year due much to hurricanes,fires and floods. I have changed insurers often. That has been my only defense...
by Sheepdog
Wed Apr 25, 2018 4:49 am
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 67
Views: 9031

Re: Unprecedented Event

Time to close?
by Sheepdog
Tue Apr 24, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 37
Views: 4424

Re: Why are rising Bond Yields bad?

Businesses borrow money. Rising interest rates increases their costs. Increased costs = lower earnings. Rising interest rates also makes autos and homes more expensive and reduces sales, etc. So, lower interest rates stimulate the economy and higher interest rates depress the economy. And, the US g...
by Sheepdog
Tue Apr 24, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: new thinking under 2018 tax law?
Replies: 11
Views: 1601

Re: new thinking under 2018 tax law?

As a low income tax payee in retirement (mostly tax deferred and tax free investments), the tax law didn't help me. Actually my taxes will be higher , according to this Marketwatch calculator The Trump tax calculator — will you pay more or less? https://www.marketwatch.com/story/the-new-trump-tax-ca...
by Sheepdog
Mon Apr 23, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 12
Views: 548

Re: [How do I send my Qualified Charitable Distribution to a charity]?

Engineer wrote:
Mon Apr 23, 2018 9:59 am
Therefore the 1099-R does not reflect the QCD?
The 1099R does not reflect the QCD. You reflect it yourself when you complete your 1040.
by Sheepdog
Mon Apr 23, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 12
Views: 548

Re: [How do I send my Qualified Charitable Distribution to a charity]?

Checks range from $250 to $2000. Not sure if VG has a lower dollar limit for a check. In regards to lower check limits, I know of none when requested from Vanguard. I have had checks written from $50 to $5000. However, self written checks from my IRA checkbook are limited to a low of $250. Jim
by Sheepdog
Mon Apr 23, 2018 5:10 am
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 4149

Re: In-laws financial advisor rip off

Don't get involved directly is my advice. Rather than tell them they are doing things wrong (wouldn't that tend to put them on the defensive?), but during a general conversation some day, talk about how good you are doing...how good your funds and self management has been...how much money you are sa...
by Sheepdog
Sun Apr 22, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning for Health Care Costs
Replies: 22
Views: 2157

Re: Retirement Planning for Health Care Costs

This actual married couple's medical health care cost history may be of some help. Other's history would be different, of course. Total medical cost in retirement, 1999-2017 for 2 married persons. (I retired at 65 in Oct. 1998.): 1. Medical, dental, sight and hearing expenses, out-of-pocket, over th...
by Sheepdog
Sat Apr 21, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3466

Re: Total Cost of Car Ownership over 10 years

My car is super old but I just keep driving it. They say drive it until the wheel fails off. We once owned a car that had a wheel come two different times. So I think we are getting their. No one was hurt but I will always remember that wheel passing the car it went a long way. Off subject, but you...
by Sheepdog
Fri Apr 20, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1313

Re: How to ask town to build a sidewalk?

Attend an appropriate city/county council meeting and be prepared to speak in the public comment period. Sidewalks costs lots of money. Councils must set priorities. Do many walk like you? One person will not do it.....have as many as possible to attend. Create a petition, go door to door to get tho...
by Sheepdog
Thu Apr 19, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: “The Smell of Retiree Mon$y...”
Replies: 57
Views: 8409

Re: “The Smell of Retiree Mon$y...”

We have our trust with will, etc. set up. Our 2 sons know that they will receive approx. half of our investments. They know the charities where the rest will go and are happy with that. Only one charity knows their bequest and that will be our house. They can dispose of it as they feel fit. That wil...
by Sheepdog
Thu Apr 19, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3466

Re: Total Cost of Car Ownership over 10 years

What was our total cost of car ownership the last 10 years (2008-2017) . Two seniors, owning and driving two American branded autos Average annual mileage per car 7500 Includes all relevant expenses such as gasoline, maintenance, taxes, insurance, auto parts and accessories, auto purchases (after tr...
by Sheepdog
Wed Apr 18, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10160

Ree: Got hit with a $2800 Medical bill. Can I negotiate?

I called the hospital and ask for discount since the amount was substantial. they offered none and said I had to pay all of it. I guess it depends. Repeating again....the hospital had already negotiated a price reduction with the insurance company earlier. They wouldn't (couldn't) negotiate with th...
by Sheepdog
Tue Apr 17, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 330340

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

Decided to look and comment......don't know why.
23% stock -0.61% YTD return
by Sheepdog
Tue Apr 17, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4541

Re: car at 80

I am in my mid 80s and, fortunately,almost any auto is fine with me. (Although I sold my 1960 MGA two years ago.....getting harder to get out of.) My wife is "only" 78, a kid indeed, but she has some mobility problems and has difficulty getting into my 2010 Ford Edge (I am keeping this one for anoth...
by Sheepdog
Tue Apr 17, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Relative Never Took RMDs on Inherited IRA From 2004
Replies: 19
Views: 2573

Re: Relative Never Took RMDs on Inherited IRA From 2004

Investopedia has instructions which you may wish to read https://www.investopedia.com/articles/retirement/05/011005.asp It includes suggestions already written from Bogleheads, but all in one place. For example, a section begins with: Failing to withdraw your RMD by the applicable deadline may resul...
by Sheepdog
Sun Apr 15, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 3587

Re: What percentage of you 2017 income can you account for?

Sounds like a good plan. I plan to do similar. I'm wondering how I might document that plan in case I die first Ha! I understand!!! I have written things down and explained, but I doubt if my love will follow it. Thru most of my years with her, I know she will budget things the way she wants to. I ...
by Sheepdog
Sun Apr 15, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 3587

Re: What percentage of you 2017 income can you account for?

. How much cash do you keep on hand? It's not necessarily "cash" but it could be checking, short term bond funds, money market and maybe even shorter term CDs coming due. Without being too long winded....I am retired. I have a set percentage to take from all accounts...for me it is 4.5% a year. I h...
by Sheepdog
Sun Apr 15, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Estimated Tax Planning
Replies: 9
Views: 698

Re: 2018 Estimated Tax Planning

Marketwatch published an article this week at https://www.marketwatch.com/story/the-new-trump-tax-calculator-what-do-you-owe-2017-10-26?siteid=rss&rss=1titled "The Trump Tax---Will You Pay More or Less". Complete the "Tax Calculator". See how you stand. Interesting look. (I am not helped as it shows...
by Sheepdog
Sun Apr 15, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 3587

Re: What percentage of you 2017 income can you account for?

I know where 100% of our spending has gone for the last 20 years using Microsoft Money. dknightd I think this is the hardest category to budget for "expensive one time projects". How you budget for that? How do you "pull the one time projects into a separate category so that they can be accounted fo...
by Sheepdog
Sun Apr 15, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 12139

Re: What is your AA, given your age? and, Why?

I may be the most senior contributor on this thread. Present age is almost 85. Stock allocation has been based on my ability and need to take risk. At retirement at age 65 it was near 60% stock and all future income would be from SS and investments only. I only needed to invest for total return to m...