Bogleheads.org

Sheepdog

sailaway wrote: ↑
Thu Nov 15, 2018 11:31 am
Does she have any ideas of what to do with it?

Does she have a favorite charity?

Do the great grand kids have education accounts?

Good reply. There are many choices in this. Ask her.

By the way, has she set up beneficiaries for those IRAs.?

Sheepdog

dh, for me the thread that really brought it all home was Sheepdog's https://www.bogleheads.org/forum/viewtopic.php?t=25126l Thank you Sheepdog. Bear And, thank you. That panic thread, now titled I can't believe I am thinking this [Panic and Survival 2008-09] brought out my soul (my in-retirement i...

Sheepdog

Yeah Happy Birthday! Just curious as I have never asked before as I don't talk about my Marine experience. But my recent visit to Vietnam was healing. Anybody served in the 3rd Amtrac Battalion 1st Marine Division at Marble Mountains during the 1968 Tet offensive? I visited the Marble Mountains, wh...

Sheepdog

9/10/18 Another Marine Birthday #243. Happy Birthday to all Gyrenes.
Sgt Sheepdog 1952-56

Sheepdog

For a cheap, easy to use, easy to read and reliable device for vehicle use, I would go with a Garmin stand-alone unit. It is a one-purpose device, but for this scenario, I think it fills the bill. I purchased a Garmin 51LM last August from Best Buy at a cost of about $120. Good for this senior. (As...

Sheepdog

PenFed is offering new saving certificate rates:
2.71% 1 year
3.3% 5 year
plus others

See https://www.penfed.org/accounts/certifi ... _-11302018

Sheepdog

Sheepdog, I know that you know better, but for any newbies, it should be stated that you can't "will" anyone parts or all of IRAs. The beneficiary statements on the IRAs override anything in a will. Good point. Yes, of course I understand that. "Willing" is just a term to meaning who gets what.

Sheepdog

rgs92 wrote: ↑
Tue Nov 06, 2018 5:33 pm
Don' t forget to leave something to your pets. They can't earn their own way after you're gone.

Good. Actually our pets are in our will and who will take care of them.

Sheepdog

Assuming we haven't needed to spend it, especially for health and long term care, we have willed our 2 sons half each of our Roth IRAs (tax free for them) and half each of our I Bonds (about $200K at present). We have willed our traditional IRAs and our house to charities. Anything else of value wil...

Sheepdog

mindboggling wrote: ↑
Sun Nov 04, 2018 7:03 am
7am EST Sunday. Site appears to be up and running. Upstate NY location for me.

ditto here. Nothing readily visible showing changes except that light shows at this time with DST gone.

Sheepdog

Rose-Hulman Institute of Technology is an absolutely fantastic school. The biggest downsides are expenses and a heavy workload, but you'll get a best-in-class education there. Oh, also, it's an engineering-only school and has the gender ratio you'd expect (roughly 3 men for every woman), so if you'...

Sheepdog

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it? The IRS discontinued support for the Savings Bond Wizard on 6/1/18. The 5/1/18 update of the data files was the las...

Sheepdog

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it? The Savings Bond Value Files are "numbers gibberish" except to software that understands the file format. Are you u...

Sheepdog

HueyLD wrote: ↑
Thu Nov 01, 2018 12:12 pm
No. Since I no longer own any paper bonds, it is easier for me to just log in and get the values.

Maybe someone else will see this to advise. UPDATE NOVEMBER 2018 PROBLEM

Sheepdog

HueyLD wrote: ↑
Thu Nov 01, 2018 12:01 pm
Are you using Windows 10?

No...Windows 7 as I used earlier. Have you tried downloading the new files ?

Sheepdog

I am attempting to download the Dec 2018-May 2019 Savings 'Bond Value Files. All I get is numbers gibberish. The earlier one in May worked fine. Is anyone successfully downloading it?

Sheepdog

My wife has these high price monthly prescription: Tradjenta $1145.49 (her out of pocket for that is $226. The insurance company covers the rest. However after the doughnut hole, that is now and until the end of the year costs her now only $20.02 out of pocket until Jan 1 when it will go back up.) T...

Sheepdog

I took care of my hearth slab. I easily laid a multi color tile on a concrete slab similar to yours by following easy instructions. I added a nice gas insert and piped the gas line to it. I looks great and has had nice compliments (especially from my wife).

Sheepdog

Since 2008-09, I will not have to take any stock containing investments (including balanced funds) for at least 3 to 5 years of retirement needs. Presently I won't need to for at least 4.5 years. I am a firm believer in not stock investing for ANY needs for the next 5 years whether I would be retire...

Sheepdog

I don't have all of my savings with Vanguard, not because of being scared but because of having variable savings vehicles because of diversification. I have all stock and traditional bond funds plus money markets at Vanguard, yes, but I also have CDs, I Bonds, Treasuries somewhere else.

Sheepdog

Overall not so good (about broke even), but my best winners are the 3.0 to 3.6% fixed plus inflation I Bonds purchased in 2000-01 which are up 4.8% YTD thru October (23% of my total holdings).

Sheepdog

Running out of money in retirement is not one of them (20 years and counting) thanks to the Diehards and Bogleheads.

Sheepdog

delete

Sheepdog

I no longer feel that a Millionaire is "Rich", but my relatives and most neighbors still do. My wife's grandfather lost his $79,000 "fortune" in the Great Depression. That would be today, according to the CPI Calculator, $1,159,458.20. $1,000,000 in 1929 would be approximately $14,676,686.05 today. ...

Sheepdog

Give away to charities and family plus I buy whatever i want (the whatever must not require interest to be paid)

Sheepdog

Dear Happy2BeFree, I am who I am. You are who you are. Some can be 100% stocks at age 65 and live with it. Others can't invest in stocks at all...zero. I was not comfortable with 60% at retirement, for example. I did have that much at 65 but with every down day, it hurt. Growing up in the Depression...

Sheepdog

TOTAL OUT OF POCKET MEDICAL EXPENSES FOR THIS RETIRED COUPLE: 2010 $9,850, 2011 $14,416, 2012 $11,290, 2013 $13,347, 2014 $9,511, 2015 $11,838, 2016 $7,842, 2017 $12,864 Thank you, Sheepdog. It's really helpful to see a real-life example, with real expenses. It’s great that you included dental, hea...

Sheepdog

We are a retired couple, ages 84 and 77 at the end of 2017. I can give you our costs. Our out of pocket medical expenses for the last 8 years are listed in each category are: (First amount shown is for 2010, followed by 2011, 2012, 2013, 2014, 2015, 2016, 2017} Medical insurance premiums [Medicare (...

Sheepdog

Yes. Turn them off.

Sheepdog

Small - medium city in Indiana Cost per month average 2017 and 2018 ytd: Sewage 33.24 Water 35.90 I use a fair amount of water for gardening. I get a sewage credit annually for the difference between the average growing season water usage and the non growing season months because the water used for ...

Sheepdog

That is true, and you are doing the right thing. But just because you are frugal and spending less does not mean that you are earning a real return. If I switch from steak to hamburger meat because both prices went up, I don't dodge inflation. I know what my spending history and for what purposes.....

Sheepdog

Social security benefits are indexed to inflation. Thus I assume a 2.8% increase is actually a zero increase in "real terms". "Look forward to" is misleading, unless your expenses are inflating at below the index level. Many retiree's inflation is less than the CPI. Mine has been much less than the...

Sheepdog

Just in https://www.marketwatch.com/story/social-security-beneficiaries-set-to-get-biggest-bump-in-seven-years-2018-10-10?mod=MW_story_top_stories Retired Americans who collect Social Security can look forward in 2019 to the biggest increase in benefits in seven years. Retirement benefits are slated...

Sheepdog

My wife's (age 78) Genworth LTC policy (from 1999) did not have a premium increase this year or last. (They would not issue me one back then.) Why wouldn't they issue a policy for you? There was something in my health file, I was told. The agent was surprised...so he said. He couldn't tell me the e...

Sheepdog

My wife's (age 78) Genworth LTC policy (from 1999) did not have a premium increase this year or last. (They would not issue me one back then.)

Sheepdog

Ladder and a chainsaw should take care of the invading tree limb. Agree with this and what I did. But be careful on the ladder with the chainsaw. Agree also. I have pruned neighbors trees several times over the years on my side. I even have an extended (about 10') gas chain saw for trimming trees s...

Sheepdog

For me and my wife, SPIAs are peace of mind contracts, not investments. That is more than profitable for our savings.
I waited until I reached my 80s to buy mine so in actuality I don't have a lot of time to lose

Sheepdog

Do read this nice WSJ story about the current Bogleheads Conference in Philadelphia. "Jack Bogle's Bogleheads Keep Investing Simple. You Should Too." https://www.msn.com/en-us/money/savingandinvesting/jack-bogles-bogleheads-keep-investing-simple-you-should-too/ar-BBO00g7?li=BBnbfcN This week, 200 in...

Sheepdog

There have been many conversations here on your subject. You can search to read what was said then. I took a lump sum instead of the pension in 1998. I will copy what I wrote early this year showing my history through 12/31/2017 https://www.bogleheads.org/forum/viewtopic.php?f=2&t=241199 History of ...

Sheepdog

PenFed announced 3.3% 5 year and 2.6% 1 year certificates https://www.penfed.org/accounts/certifi ... _-10312018

corrected

Sheepdog

It will be 20 years of a successful retirement today for me..

For all of you I wish you my good fortune.
To those going to the Bogleheads Conference beginning tomorrow, have a good show.
Thank you all.
Jim

Sheepdog

Welcome. I will copy what I wrote at the height of the 2008-09 recession in October 2008 when I was in a panic mode. Reading that thread with many great comments from many Bogleheads over several years may give you ideas: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=25126&start=150 What is ...

Sheepdog

My recalled air bag was replaced today and I returned the Ford paid rental auto.

Sheepdog

It is my main investment vehicle in retirement and has been for 20 years. 6 years with a loss in 40 plus years, I believe Yes, I am still positive.

Sheepdog

If you find your PCP and he/she can diagnose your problem and knows good specialists to refer you to, you are very fortunate. I found mine. For example I ran a half marathon 10 years ago at 77.. My legs turned technicolor. He saw me immediately when I reported in and he referred me to a specialist f...

Sheepdog

That's a personal decision of comfort. 5 years ago at about age 80 I was tested at 5% left and 55% right hearing I started with just the left. The Audiologist suggested that I should have both, but I was being cheap. Four months later I went to both ears. For me, balanced hearing was more pleasant. ...

Sheepdog

20 years ago, my retirement plan was to retire and enjoy life. I can do anything I and my wife would like to do.....anything. Don't you think that was something great to retire to?

Sheepdog

Invest in what makes YOU comfortable, not what makes others comfortable. Age in bonds worked fine for me and my psyche and my retirement funding.
I found hitting singles and walks took me around the bases with less strikeouts..

Sheepdog

Wellesley holders might want to think about busting out of the single-fund approach... That's not how most Wellesley investors roll. :D The W/W fund holders are in them for the long long haul. A season of soft performance doesn't mean much. (Wellington fund holder here, so I'm projecting a little.)...

Sheepdog

mhc wrote: ↑
Tue Sep 11, 2018 4:17 pm
Every time I have my carburetor cleaned.

Search found 5142 matches