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Sheepdog

There have been several conversations here on searching for home and auto insurance. You can search for them. Here is one from last year in December https://www.bogleheads.org/forum/viewtopic.php?t=234843 This was my comment then I ask for quotes at least every 3 years directly from major insurance ...

Sheepdog

GoldenFinch wrote: ↑
Tue Jul 17, 2018 10:04 am

Sheepdog wrote: ↑
Tue Jul 17, 2018 6:46 am

GoldenFinch wrote: ↑
Tue Jul 17, 2018 6:15 am

I wrote that post over a year ago and still haven’t written anything down! Thanks for the reminder. I will stop procrastinating and write everything down today.
Good.. May we ask you tomorrow how you did?
Done!

Congratulations

Sheepdog

GoldenFinch wrote: ↑
Tue Jul 17, 2018 6:15 am

I wrote that post over a year ago and still haven’t written anything down! Thanks for the reminder. I will stop procrastinating and write everything down today.

Good.. May we ask you tomorrow how you did?

Sheepdog

I learn something from this forum almost every day. You certainly don’t want to assume that your finances are all set for a few decades just becuase you know so much more now than you did a year or two ago. Think of it like the continuing education that is required of physicians, CPAs, etc. There i...

Sheepdog

I made a comment last year on this thread where I wrote that my wife does not use a computer or smart phone.....not even a cell phone :annoyed. I have written every thing about our investments and other financial things and I review it all regularly. She knows where everything is, when automatic wit...

Sheepdog

I believe you will be fine taking a 5% withdrawal every year since you are 75. Studies have shown that retirees that started retirement withdrawing 4% , has seen their net worth increase as they age. Alot of these retirees went through the great recession also. I agree, obviously, as I have average...

Sheepdog

How can people plan a set spending budget and investment withdrawal amount for their entire retirement? I know I couldn't. When I began retirement withdrawals 20 years ago, I planned a to have an annual average percentage withdrawal, not a set amount as I knew that there would be years I would want ...

Sheepdog

Dottie57 wrote: ↑
Thu Jul 12, 2018 3:29 pm
Leave grandpa alone since he wants the policy. I sounds like he has enough even for LTC.

Fully agree. If he is as sound of mind as you say he is, it is his business not yours (from an octogenarian)

Sheepdog

Bogleheads: Successful Investing

Sheepdog

Bogleheads, saving and investing before and after retirement.

Sheepdog

Bogleheads, sane money management in good and bad times
or just:

Bogleheads, Sane Money Management

Sheepdog

I am shocked at how many people have eliminated checks from their lives and yet continue to write a check for property taxes. My county has a fee to pay online :annoyed but no fee to pay by check. I just use my bank's billpay, who fires off a check twice a year on the date I specify. My tax parcel ...

Sheepdog

Bogleheads had an anonymous net worth survey in 2015 to 2017 which included income. There were hundreds of responses as I look back at it. Go to https://docs.google.com/spreadsheets/d/ ... =630152586. There were others which you can search for.

Sheepdog

Two years ago we completely remodeled our master bath similar to what you want to do......removed entire fixtures, etc including tub. Replaced all with a walk-in shower, floor and wall tile, cabinets, lighting, fan, expanded outlets, fixtures, etc. it is beautiful and functional. There is another re...

Sheepdog

Our cost is zero. We have never hired anyone for home services of any kind in our 58 years of marriage. If we can't do it ourselves, it isn't needed :P So you grow all of your own food, never eat out, do all of the work on your vehicles, do all of your home maintenance, make your own clothes, etc.....

Sheepdog

Our cost is zero. We have never hired anyone for home services of any kind in our 58 years of marriage. If we can't do it ourselves, it isn't needed

Sheepdog

Since you lumped your Medicare Part B premiums and MA cost into one broad category, can't tell which income bracket you are in on Part B ($134 or $187.50) Anyway, the real meaning that jumps out to me is now you have crossed the $1,000 a month threshold, and fast approaching $13,000 a year. :shock:...

Sheepdog

I am 84 and my wife is 77. You may be interested in our medical costs. These are using Medicare Advantage plans. I have used these plans since 2014 and my wife since 2016. Since going to these plans comparing our total Medicare, plus Part D and other out of pocket costs we are each saving $2000 a ye...

Sheepdog

This morning 8:45. I'm retired :D 6 am today (went to7 am Rotary meeting), 9:30 am yesterday Holiday. Day before yesterday 8 am 4 mile walk time. Tomorrow it will be about 9:30...maybe 10 am, maybe 7 am. Retired, so whatever I want to do I can and when I want to do it or not want to do anything,

Sheepdog

If you have never had or haven't had one recently, a LexisNexis C.L.U.E. Personal Property report, out of curiosity, I would want to see what it says about your property claim history. In case you didn't know, you are allowed to receive a free report every year like your free credit reports. You can...

Sheepdog

Have you Googled your question? You may get more information. Try the words "rheumatoid arthritis hot dry weather"

Sheepdog

Ever? That's a very long time. Could you change that to until the tax laws are changed again?

Sheepdog

MIretired wrote: ↑
Sat Jun 30, 2018 7:17 pm
My plan in case of a downturn, is I have 4-5 yrs. of needed withdrawals in CDs, money markets, short bonds, and some intermediate. I'll watch unneccessary spending in a downturn, too.

same here. 2008-09, living off of investments and not having that protection, taught me.

Sheepdog

Criminey. So, what is the solution for umbrella liability? Do some insurers allow the inclusion of the trust and some not? (My appointment with my lawyer is the end of next week.) I'm just kind of sweating it here that I did not have insurance coverage that I thought I had for years. I do not have ...

Sheepdog

Do you want the truth or what I tell my in laws

Sheepdog

I mentioned earlier that I would contact my homeowners insurer AARP The Hartford. As others have written. the agent said that I should have had the revocable trust listed in the homeowners insurance policy in the 13 years I have had the trust. The lawyer who set this up did not instruct me to do so....

Sheepdog

I never converted my paper I bonds to TD. Thankfully so....
Out of curiosity I looked for complaints on line. There are a bunch over the last several years. This one on Yelp explains the frustration of TD holders on trying to get their money https://www.yelp.com/biz/treasurydirect-parkersburg

Sheepdog

delete

Sheepdog

If you're intent on retiring to the Midwest, it's hard to go wrong with Ann Arbor. You should probably take another visit in January, though. Those snowy 10ºF days can be a bit of a shock for those of us on the West Coast. We have visited Michigan a good number of times including Ann Arbor. We like...

Sheepdog

$1112 property tax after deductions (was $1510 before deductions) Deductions are homestead. supplemental, and over 65 2052 sq ft home on half acre wooded lot in a nice suburban subdivision Indiana Indiana's property taxes are capped at 1% of property values for homesteads (owner occupied), 2% for ot...

Sheepdog

barber wrote Our home is in a trust, and it occurred to me that I need to add the trust as an additionally insured on our homeowners and umbrella policies. We are with Allstate and our agent is refusing to do so, stating that Allstate does not want the liability of naming a trust to a personal insu...

Sheepdog

I did subscribe for about 50 years and found it very worthwhile until the last few years. (As an example, I remember when CR was an early advocate for seat belts in cars in the 1960s. Some auto manufacturers said they were too expensive!) I miss the old CR and their quality testing they did, but not...

Sheepdog

Note that this thread was from 2015, NOT this year! The thread is more important in 2018 than in 2015, since Vanguard is pushing people to convert mutual fund accounts to brokerage accounts. Brokerage accounts carry additional risk that mutual fund accounts don't have. The SIPC coverage only goes u...

Sheepdog

I was away and missed this thread. I will add a different voice to it. Our Social Security buying power, real world inflation adjusted in-retirement buying power, has not significantly slip ped since 2000. Our spending history since 2000 does not match that report as you will see below....not close....

Sheepdog

I won't give you dollars. It varies somewhat percentage-of-spending wise. I can say that we give more as we age.
In 2015 13.2% of our spending went to charities.
In 2016 16.6% of our spending went to charities.
In 2017 12.2% of our spending went to charities

Sheepdog

My goal was to reduce my federal taxes to near zero. See I think that is the wrong goal. It should be to maximize spendable money (or asset value on death). That is not the same as paying 0 dollars in federal tax. I would postulate that paying 0 dollars in federal tax means you have chosen an subop...

Sheepdog

We may be going to a postcard size form? In the early years, like when I filed my first return in the early 50s, the simple 1040 was just that .... a post card with just a half dozen or so lines. You didn't even have to calculate anything, if you didn't want to. (That was for very low income people ...

Sheepdog

Should I butt in here with my actual example? It really is possible to retire with a decent amount of investments (but not over $1mil) and pay little to no income taxes. It takes little planning. In my 19th year in retirement (2017) I paid negligible federal income tax with income from Social Securi...

Sheepdog

A few serious recessions or a depression could make running out much faster than you wished for...

Sheepdog

Note that this thread was from 2015, NOT this year!

Sheepdog

Miriam2 wrote: ↑
Sun Jun 24, 2018 1:17 pm

Sheepdog! Thank you for sharing your personal stories.
I noticed - sheepdogs are never cut

Thanks. You are correct. Our Sheepie's health and welfare go before us.

Sheepdog

I am just a grunt worker in a warehouse, driving a forklift. aka an averagedude. Averagedude. There is no such thing as being "just a grunt worker". Our good world would not exist without "grunts". You are our muscle, blood and backbone and brains who has served. Congratulations for being here and ...

Sheepdog

My period of "panic" came in October 2008 when I was retired and my investment income was dropping precipitously during that recession. If ever I was to feel that I have to control spending that was my time. I did not do any. I was already controlling spending to some degree in that most of my retir...

Sheepdog

Mel, Happy Birthday,
You are special. Thank you for all that you have done for me.
Semper Fi,
Jim

Sheepdog

Chemical Engineer, then chemical (paints and resins) factory management. It was a good career and I would do it again. Factory and union supervision were never a problem; to the contrary, human relations was rewarding. Factory management is different today in regards to employee (sorry...team member...

Sheepdog

matatupuncher wrote: ↑
Sun Jun 17, 2018 1:33 pm
I'm in Central Africa so my "super market" options are limited to Simba and Naukumatt. I occasionally use those two but mostly use a corner market or send my yard boy to get what I need at the local market.

I am MY yard boy.

Sheepdog

Aldi #1. A new one just opened 3 weeks ago here which is considerably larger and better stocked than the previous one Kroger #2. I can't get everything at Aldi, so i finish shopping at Kroger on the same day. For your possible interest. I ran a prices comparison for 10 staple items 3 weeks ago to co...

Sheepdog

I have found that retirement expenses are more variable from year to year than my annual expenses were when working. There are different financial episodes in retirement and many are unpredictable. IE: home upgrades, health expenses (big one), and so forth. It helps to have a substantial cash cushi...

Sheepdog

I have copied and updated multiple past comments on this subject. How much did I need? All of us are different, I have been retired just 3 months shy of 20 years, now 84+. I am giving you my retirement planning prior to retirement and the results over these years.which may give you some ideas on man...

Sheepdog

Today is the first day of my retirement! Up at 4:30 am, drank coffee, read news and this website Workout at 5:30 am, getting ready to run a 4 mile road race on Father's Day Came home and drank espresso from my new Moca Pot (Thanks to Bogleheads for the Mother's Day present idea!) Thinned the perenn...

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