Search found 5510 matches

by Sheepdog
Sun Jul 05, 2020 5:24 am
Forum: Investing - Theory, News & General
Topic: 4% rule - confidence poll
Replies: 247
Views: 13511

Re: 4% rule - confidence poll

I withdrew an average of 4.59% each year during the last 22 years and went through some good size downturns. My investments still grew , so I am confident for the future. 4.59% of what? 4.59% real of the initial account value? 4.59% nominal growth of the initial account balance? 4.59% of account va...
by Sheepdog
Sat Jul 04, 2020 4:33 pm
Forum: Investing - Theory, News & General
Topic: 4% rule - confidence poll
Replies: 247
Views: 13511

Re: 4% rule - confidence poll

I withdrew an average of 4.59% each year during the last 22 years and went through some good size downturns. My investments still grew , so I am confident for the future.
by Sheepdog
Mon Jun 29, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 193
Views: 13863

Re: What is the best financial decision you ever made?

I married a person with similar attitudes toward saving and spending which happen to be consistent with the Boglehead philosophy. I have been very fortunate in many ways. I was just going to submit my good fortune....great fortune.....of finding my wife on a blind date 60 years ago, to whom I fell ...
by Sheepdog
Mon Jun 22, 2020 8:39 pm
Forum: US Chapters
Topic: Happy Birthday Mel Lindauer - 6/22/2020
Replies: 58
Views: 2822

Re: Happy Birthday Mel Lindauer - 6/22/2020

Mel, I wish you another Happy Birthday. You have meant so much to me since I first met you on line at the Diehards forum in 1998. You are special.
Semper Fi, Gyrene.

Sgt, Sheepdog
by Sheepdog
Sun Jun 21, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 2865

Re: Tipping Tree Trimming

If you do tip, *(but never to the owner) tell the employees before they start saying something like "if you do everything right, clean up everything, cause no damage I will be pleased to give you personally $xx extra. OK?"" [Have I done that? Yes, for moving van persons and roofers, but nothing else...
by Sheepdog
Wed Jun 17, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing
Replies: 13
Views: 1041

Re: Insurance rates increasing

Hartford via AARP, Insurance increases in 2019 and 2020

Homeowners 2020 Up 4%.......2019 Up 19%

Automobile 2020 Up 30%.......2019 Up 9.7%
by Sheepdog
Sat Jun 13, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32009

Re: Really hard to avoid "Keeping up with the Joneses"!

There really isn't any distinction between material possessions and doing things when it comes to keeping up with the Jones'. That just becomes the tiresome argument, "do you value experiences over possessions." Very very true. Thank you for editing my thoughts. I agree. p.s. I just noted this thre...
by Sheepdog
Sat Jun 13, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Online summer coding course for HS student?
Replies: 12
Views: 803

Re: Online summer coding course for HS student?

To Texasdiver , Just think there was a time when I needed to learn and understand all or the nuances of using a slide rule to help design power plants, chemical plants, generators, automobiles, rockets and so on. Can you imagine that I had to read a printed manual and take engineering classes to re...
by Sheepdog
Sat Jun 13, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32009

Re: Really hard to avoid "Keeping up with the Joneses"!

Sandtrap wrote:
Sat Jun 13, 2020 12:09 pm
[
+1
Outstanding!dd

There is a saying:
"Living well is the best revenge."

j :happy
Thank you, Sandtrap. '
by Sheepdog
Sat Jun 13, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32009

Re: Really hard to avoid "Keeping up with the Joneses"!

Among my friends and senior family members WE are the Joneses. NOT money and things, but having a great retirement, eating out a lot, attending all kinds of plays, concerts, sporting events, smiling a lot, never complaining (maybe the corona virus stuff and politics), and having reasonably healthy b...
by Sheepdog
Sat Jun 13, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Tipping on curbside pickup?
Replies: 44
Views: 3593

Re: Tipping on curbside pickup?

Yes, I have. A tip is added on the charge when ordered, like when paid for at the restaurant. If someone brings it out to the car I will give him/her a small tip as an addition to the bill charge. If it is raining a little more. (I feel that this is important as the employees are earning so much les...
by Sheepdog
Sat Jun 13, 2020 1:17 am
Forum: Investing - Theory, News & General
Topic: Frequency of Withdrawals in Retirement
Replies: 50
Views: 4042

Re: Frequency of Withdrawals in Retirement

I take withdrawals as needed. I just wrote this in another thread which explains, I hope: I have been withdrawing from my savings for 22 years in retirement. Never have I had the same needs two years in a row, so how would I set a fixed amount? Why would I want to? I did, however, set an average wit...
by Sheepdog
Sat Jun 13, 2020 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Fixed percentage withdrawal rate
Replies: 17
Views: 1120

Re: Fixed percentage withdrawal rate

I have been withdrawing from my savings for 22 years in retirement. Never have I had the same needs two years in a row, so how would I set a fixed amount? Why would I want to? I did, however, set an average withdrawal amount forecast to allow variable spending needs (new auto, nice vacation, home re...
by Sheepdog
Fri Jun 12, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: Thinking of closing out my Vanguard Account
Replies: 55
Views: 6675

Re: Thinking of closing out my Vanguard Account

makingmistakes wrote:
Thu Jun 11, 2020 6:06 pm


I probably won’t make it to 87, but if I do and if I’m half as sharp as you appear to be, I’ll consider myself blessed!
Thank you for the compliment, but I don't think I am so sharp, but I am blessed. Now, if I could get my spouse to agree with you.....Naw, that can't happen.

Woof. Woof.
by Sheepdog
Thu Jun 11, 2020 1:12 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16243

Re: Thoughts on today's sell-off?

Young person, in my lifetime (a fairly long one) there have been a hundred or more of these kind of days. A long time ago i finally realized that I don't know nuttin and no one else knowd nuttin either. I finally got the message, and you should try to do so, and that was that every down day has been...
by Sheepdog
Thu Jun 11, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: Thinking of closing out my Vanguard Account
Replies: 55
Views: 6675

Re: Thinking of closing out my Vanguard Account

Would you advise why you call Vanguard regularly? I am 87 and it has been well over 20 years since I felt the need to do so. I keep a money market account from which I can write checks (over $250) or I can transfer any other amount to my at home checking account. From my IRAs I can set up similar. I...
by Sheepdog
Sat Jun 06, 2020 10:26 pm
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 3933

Re: Retirees: what is your AA?

Retired at 65 (wife at 62) No pension, spending comes from investments and SS. Now: my age is almost 88, Present allocation: 27/70/3. Have been at 23 to 27% stock since 2008. Average annual withdrawal has been 4.57% and my investment total is within 1% of my maximum over these years (nominal, of cou...
by Sheepdog
Thu Jun 04, 2020 3:58 am
Forum: US Chapters
Topic: Shout out to Sheepdog
Replies: 25
Views: 3568

Re: Shout out to Sheepdog

mega317 wrote:
Thu Jun 04, 2020 12:27 am
Sheepdog wrote:
Wed Jun 03, 2020 10:28 pm
and frown at people who do not, but they don't care.
Of course they don’t, your frown is behind a mask.
But, they can still see my squinty eyes. :annoyed
by Sheepdog
Wed Jun 03, 2020 10:28 pm
Forum: US Chapters
Topic: Shout out to Sheepdog
Replies: 25
Views: 3568

Re: Shout out to Sheepdog

i am really okay as are my wife, our Sheepie and Miss Kitty . Thank you for thinking of me (us) A difficult thing that I have with this virus thing Is not touching people. I am a toucher. i have done it automatically all my life so I temporarily forget and then been very embarrassed especially to ag...
by Sheepdog
Thu May 28, 2020 7:59 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536657

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

Our accounts YTD return went positive yesterday +0.14%. (Present Vanguard's calculated allocation: 28% stocks, 68% bonds, 4% short term reserves.) Probably temporary, but so what.
by Sheepdog
Mon May 25, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 506
Views: 18529

Re: Bird watchers – what birds are you seeing?

/ In my experience, Northern Flickers (and other woodpeckers) love suet but they are large so sometimes have a problem hanging on to the smaller suet cages. I have seen larger ones for sale. You might also try moving the suet "station" to another area which sometimes will help. I can't speak to Car...
by Sheepdog
Sat May 23, 2020 12:16 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 506
Views: 18529

Re: Bird watchers – what birds are you seeing?

I mentioned the Coopers Hawk nest in my oak tree. I found I was wrong when I wrote that there were two babies in the nest. Well, on Thursday, I watched as they left the nest. The first one had moved out about ten feet on the limb while another one watched, stretching and flapping it's wings. I watch...
by Sheepdog
Fri May 22, 2020 10:41 am
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6213

Re: I freaked out…now what?

I've been in your position in the past. There are two main issues, in my opinion. 1. When to get back in. This is why you shouldn't get out, because you will never feel comfortable about getting back in. Market is dropping? "I can't get back in now, the market is dropping." Market is rising? "Oh, n...
by Sheepdog
Fri May 15, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 506
Views: 18529

Re: Bird watchers – what birds are you seeing?

The Hummingbirds arrived this morning from their long journey right on schedule....May 15. All 4 hummer feeders have been occupied this morning. It is amazing how they know the calendar.
by Sheepdog
Thu May 14, 2020 5:38 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 506
Views: 18529

Re: Bird watchers – what birds are you seeing?

Additional sightings from my post on March 30 https://www.bogleheads.org/forum/viewtopic.php?f=11&t=309961#p5147125 : The Pileated woodpecker has gone, off to the woods somewhere. He stayed around for about 3 weeks or so. Grosbeaks did arrive and are feeding now. They should disappear very soon, if ...
by Sheepdog
Thu May 14, 2020 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Discarding old tax returns
Replies: 62
Views: 5570

Re: Discarding old tax returns

I'm an outlier; my collection goes back to 1987. Every once in a while, leafing through them reminds me I was poor and happy :-) Me, also, but from 1961. (Ten years or so were inadvertently destroyed at some time.) They only take one large file folder. Supporting documents were discarded, of course...
by Sheepdog
Wed May 13, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56711

Re: How to get Toilet Paper ? seriously.

I bought $130 worth of groceries and household sundries Monday at Kroger....meat, vegetables, bread, paper goods, canned goods, frozen goods etc. Although I did get different sized can goods on 4 items, such as Campbell Pork and Beans, I was able to buy everything I ordered. Lucky? I guess so readin...
by Sheepdog
Mon May 11, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4286

Re: What age do you use for retirement end date?

You don't know......diseases, cancers, accidents, you name it . My father died at 58 and my Mom at 92. Averaged out that would be 75. Well, I am 86 and active.....do all yard work, and almost everything else. If i can clear this virus thing, I could reach into my 90s, but I could never guess that at...
by Sheepdog
Wed May 06, 2020 4:55 am
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 70
Views: 2452

Re: Can't login to Vanguard website

I entered okay . no problem
by Sheepdog
Thu Apr 30, 2020 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard will be moving their mail operations to El Paso in the future
Replies: 36
Views: 4761

Re: Vanguard will be moving their mail operations to El Paso in the future

RadAudit wrote:
Thu Apr 30, 2020 12:55 pm
Hoping that time is at least another good 20 or 30+ years in the future. I look forward to your posts.
Gee, thanks
Let's see. 20 years will be at age 107. I will have to work on that 8-) .
by Sheepdog
Thu Apr 30, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: [recommend a basic] refrigerator
Replies: 22
Views: 1742

Re: [recommend a basic] refrigerator

l don't have a brand recommendation, but I can give you the brand which I don't recommend. I bought a new LG and it failed in a few months and was under warranty. It took near 4 weeks to receive service!l You can read my story here: viewtopic.php?t=292034
by Sheepdog
Thu Apr 30, 2020 12:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard will be moving their mail operations to El Paso in the future
Replies: 36
Views: 4761

Vanguard will be moving their mail operations to El Paso in the future

My wife received the below message. Since she will not use a computer, and therefore will be communicating by mail and telephone when I will not be able to communicate, they wanted to let her know about this future change. (She has conversed with Vanguard on how to handle things then and that's anot...
by Sheepdog
Tue Apr 28, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2586

Re: File tax return electronically

cheese_breath wrote:
Sun Apr 26, 2020 10:47 am
I've been e-filing longer than I can remember.
Me too, for many years, but at my age, that may not mean much!!!!
by Sheepdog
Mon Apr 27, 2020 2:51 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3425

Re: Have you tracked spending during quarantine?

Negligible difference, but being retired and already at home most of the time, there isn't much difference in needs.
by Sheepdog
Thu Apr 23, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 358
Views: 28676

Re: [Government stimulus payments]

Have not received the deposit. The website still says
You are eligible for the payment. Once we have your payment date, we will update this page.
We will deposit your payment to the bank account below.
And the site has said that for over 4 weeks.
Why me. Don't they like sheepdogs?
Woof Woof
by Sheepdog
Wed Apr 22, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Fence Paint Peeling
Replies: 26
Views: 1722

Re: Fence Sealing

So that's why my Adirondack chairs that I spray painted with primer/paint combo fared so poorly. I must point out that there is no such thing as a primer/paint combo. Sure, paint companies put it on labels, but that is to get a sale, but not a long lasting finish. It is almost criminal to put that ...
by Sheepdog
Wed Apr 22, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Fence Paint Peeling
Replies: 26
Views: 1722

Re: Fence Paint Peeling

From an old paint manufacturing and technical person. Painting or staining a wood fence can help your fence last longer and look better. However, of the two I recommend that you stain a fence rather than painting it. Wood absorbs stain much deeper than it does paint However, if you want paint, an ac...
by Sheepdog
Tue Apr 21, 2020 8:24 am
Forum: Investing - Theory, News & General
Topic: Are we better off now than Dec 2018?
Replies: 239
Views: 16777

Re: Are we better off now than Dec 2018?

I am better off now than Dec . 2018
I have lived off of savings plus SS. (no other money coming in)
I have 5% more now than on 12/31/2018.
Had a plan and still have it.
Woof Woof
by Sheepdog
Sun Apr 19, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4370

Re: How to get Liquid Hand Soap? seriously.

When you search Amazon just use the word "antibacterial"--nothing else. There are many items which could be used as hand soap such as body wash, bar soap, body cleaner, and lots of others.
by Sheepdog
Sun Apr 19, 2020 4:27 am
Forum: Investing - Theory, News & General
Topic: Retirees: what are you doing with all the home equity?
Replies: 117
Views: 7618

Re: Retirees: what are you doing with all the home equity?

The property tax on our home is about 8K a year. So much for owning the home and being mortgage free/rent free. That used to by my rent when I shared an apartment in Texas. Mine is $22k per year. Add insurance and I’m getting close to $2k per month of carrying cost even without a mortgage. So it al...
by Sheepdog
Sat Apr 18, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: Retirees: what are you doing with all the home equity?
Replies: 117
Views: 7618

Re: Retirees: what are you doing with all the home equity?

I am doing nothing, except that our home, at our death, will be donated, via our revocable trust, to a world environmental foundation, but we have specified that the proceeds will benefit the US Midwest, especially our state. (Our children accepted our choice.) :happy
by Sheepdog
Thu Apr 16, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6909

Re: [Auto insurance companies issuing refunds due to coronavirus]

DSInvestor wrote:
Thu Apr 16, 2020 3:54 pm
Sheepdog wrote:
Thu Apr 16, 2020 3:39 pm
VERY interesting. I received my auto insurance billing today (The Hartford) and it went UP 15%, same car!!! They will receive a call tomorrow
Maybe you should call GEICO also.
Until now. GEICO has always been my HIGHEST quote....Really! I will try again and let you know.
by Sheepdog
Thu Apr 16, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6909

Re: [Auto insurance companies issuing refunds due to coronavirus]

VERY interesting. I received my auto insurance billing today (The Hartford) and it went UP 15%, same car!!! They will receive a call tomorrow
by Sheepdog
Wed Apr 15, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 358
Views: 28676

Re: [Government stimulus payments]

Out of curiosity, has any one on Social Security received their payment? I had read that SS recipients were to get theirs next week.
by Sheepdog
Wed Apr 15, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 358
Views: 28676

Re: [Government stimulus payments]

catdude wrote:
Wed Apr 15, 2020 1:51 pm
Got mine last night... 1200 bucks. I'm going to donate it to a cat shelter.
Great. My snowshoe cat thanks you.
Woof
by Sheepdog
Wed Apr 15, 2020 1:19 am
Forum: Personal Consumer Issues
Topic: Where have you eaten out recently?
Replies: 21
Views: 1312

Re: Where have you eaten out recently?

My wife and I had burger meals from Burger King (using a discount coupon) with all the trimming. I drove to a park with a lake view on a full moonlight night which was viewed thru the moon roof while listening to romantic music on the radio. I brought wine classes to sip the sugar free, caffeine fre...
by Sheepdog
Tue Apr 14, 2020 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14071

Re: How many paid for kids' college?

I paid my own way to the Univ. of Florida (plus the GI Bill) in the 50s . (only about $1200 per year}
I paid my 2 son's way, thru Purdue University, plus what they earned during the summers, but they went to college in the 80s and early 90s.
Much different than today .
by Sheepdog
Tue Apr 14, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14071

Re: How many paid for kids' college?

duplicate...see below
by Sheepdog
Tue Apr 14, 2020 5:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirements-Aggressive?
Replies: 14
Views: 877

Re: Vanguard Target Retirements-Aggressive?

They have always seemed reasonable to slightly conservative to me. I certainly would not want to go as low as 30/70 in retirement. If your goal is capital preservation rather than capital growth, 30/70 is not an unreasonable choice. "Why keep playing if you've already won the game?" I'm not sure 30...
by Sheepdog
Sun Apr 12, 2020 12:40 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74874

Re: Bogleheads community discussion - Coronavirus

Ram, I will think about that. Thanks for the idea.
Jim