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Sheepdog

Our community has a program for children called "Coats for Kids". And a service called "Shoe Bus", which are volunteer fundraising and distribution services . Does your community? I can tell you that there IS a strong need. Kids are going to school without coats and shoes and no breakfast, lunch or ...

Sheepdog

A beautiful,classy 2 week cruise on the Mediterranean from Istanbul to Athens with stops in between. There are more.

Sheepdog

86 years old, retired.....stock allocation is 25%.....2019 investment performance: 8.09%

Sheepdog

Well, I didn't change or forget as we were traveling some already before retirement in the 12 years before (three Caribbean cruises, twice to Great Britain, Russia, Greece, Turkey, Central America, Alaska, upper Canadian provinces.) And we continued, although we discontinued big travel when I reache...

Sheepdog

I may have a set like yours. I purchased mine with my paper route money in 1947 or 48. (my age 14 or 15) These were among the first ones Lionel made after the War. Yes, I still have it, but do not run it, but it is on display on my book shelves directly above me. It has a cast iron or steel engine w...

Sheepdog

Thank you, Taylor.
And, Happy Veterans Day to you, our most famous Bogleheads veteran, a Battle of the Bulge WWII Veteran, a hero.....
Jim

Sheepdog

To VALUETHINKER Thank you for your well written WWII period essay above. Wonderful addition.

And today, a national holiday to honor those who have served and fallen for the freedoms we enjoy, I give my thanks .

Sheepdog

In the last month I was able to install my Money 2002 software and include all of my last 20 year financial history to my new Windows 10 computer. It wasn't easy but it got there. It is running perfectly as when I originally installed it in Windows 98 and in following formats.

Sheepdog

I don’t have a money market fund in my IRA for RMD purposes but I do keep a reserve in the short term corporate bond fund which serves the same purpose with higher yield and low volatility. Gill I have done the same thing since the market collapse in 2008. I was taking from my investments then for ...

Sheepdog

HAPPY BIRTHDAY U.S. MARINE CORPS. Thank you to the provider of this linked Marine tribute, Bill Murphy Jr. https://www.inc.com/bill-murphy-jr/happy-birthday-us-marine-corps-here-are-17-inspiring-quotes-about-marine-corps.html Today is the 244th birthday of the U.S. Marine Corps. If you're close to a...

Sheepdog

I am 23 years retired with a structured plan for variable withdrawals to meet expenses which vary year to year. It takes records of annual total spending and withdrawals, not a lot though. Original goal: Average annual withdrawal will be 4.5% of the previous 12/31 investment balance. If I withdraw l...

Sheepdog

I have a shut off valve inside the home with easy access. Once a water line within the crawl space was leaking. We could hear it running as it hit the flooring beneath, but could not easily shut it off. When the copper piping was replaced in the crawl space (the copper pipe was corroding and was lea...

Sheepdog

I started with Vanguard in a 401k in 1989, contributing (and receiving the company match) until I no longer worked for that employer in 1999. I remember filing out forms for my 401k, and when I hit the HCE limit, getting an announcement via snail mail that I was no longer eligible. And I recall get...

Sheepdog

lthenderson wrote: ↑
Fri Oct 18, 2019 2:28 am
I've never had a speed issue accessing my Vanguard account either.

Same here and I just signed on ok. (30 years with Vgd)

Sheepdog

Update: A repairman showed up on the 14th, after almost a full month. He knew the saga. He knew that the freezer has worked since I evidently reset the defrost system by unplugging and re plugging. He could find nothing wrong, although he said the defrost panel is integrated with the entire electric...

Sheepdog

On my Microsoft Money which I have been using since 1998, I enter the fund's new daily price (no stocks anymore), then I see the latest portfolio balance.. (I also enter any credit card charges that day,)

Sheepdog

I Last year a DD sold her house with her garage refrigerator that had been our first refrigerator in our current house. So, it was at least 29 years old, might still be working, also a GE. Broken Man 1999 My oldest son was given one of those small refrigerators for his dormitory room. That was in 1...

Sheepdog

Update: still no service, BUT, allegedly, a repair person, not from LG, but a local repair service ordered by LG, will be here on 10/14, only 2 days short of a month since it was first requested. But, they may not show up again as in the past.

Sheepdog

I really didn't "plan" for retirement until my company cancelled our pension plan, Until that time, I believed that my pension and SS and maybe some CDs would take care of us". Naive, naive, naive!! That was less than 7 years before I was 65 and retirement was required by my employer. " Big Brother ...

Sheepdog

There must be. I never get emails from VG and have been with them for many years. I must have gotten one years ago and unsubscribed. I suspect you can also go in and use their secure email and ask them to mark your record down as "do not contact." I told my Flagship rep that there is no need to cal...

Sheepdog

goingup wrote: ↑
Wed Oct 09, 2019 4:20 pm
Yes, on my person when traveling internationally.

Always on person. One time in Russia, if I had not, I possibly would be in the Gulag. I was thought to have been someone else. I was verified by the local consulate because I had it.

Sheepdog

Do you think buying Ibonds, with today's $10,000 limit and lower rates, still would be useful for early retirees? Even if you could only give my your gut reaction to this question, I'd love to hear your thoughts? I am sorry that I did not see your question before. Everyone, especially retirees, sho...

Sheepdog

What techs does the appliance store use to provide service under the extended warranty? Can’t those same techs provide service during the manufacturer warranty period? The store does none of that and does no maintenance at all. They sell, deliver and set up, that's it. That is what a customer gets ...

Sheepdog

Who was the provider of the extended warranty? I would have been on the phone to the company that sold you the fridge on the first day. The seller of the extended warranty was the appliance store. The extended warranty does not go into effect until the refrigerator warranty expires which has severa...

Sheepdog

Be wary. What good is the product's warranty? Are service technicians available nearby even? Investigate before purchasing. We purchased an LG French Door refrigerator on February 21, 2019 with an additional 4 year warranty beyond the standard 1 year for which we paid $2,215.94. On September 19, we ...

Sheepdog

May I ask you, did your portfolio get a big hit in 2000? Not too bad, but it was a test to my theory. It really was. I have maintained records of all spending and portfolio growth or decline because this was my theory and I really needed to prove to myself that it worked. I never kept records like ...

Sheepdog

What inspired you to pick 4.5%, fixed, originally? Pardon me if you address it further up the thread. I am 38 and hope to retire in my late 50s, and I pretty much have settled on a fixed withdrawal % of my year-ending portfolio as you did. I just don't see many others who do. Thanks for the questio...

Sheepdog

2019 personal retirement update: We are doing well as our 21st retirement year ends today. We are now at 86 and 79 years of age. I feel healthy mentally and physically and am able to do most things as I did 30 years ago except that I won't get on the roof anymore, only on a step ladder to paint the ...

Sheepdog

We have been married 59 years. We use the same credit cards, same bank, same check book, use very little cash (all cash comes from the checking accounts and we both review the monthly statements) and we have never had a complaint about what each other spends. Oh, I take that back. I bought at WOOLCO...

Sheepdog

(21 years living off of investments and SS) In the 2008-09 recession I learned a lesson. At the time, I was having to sell reduced value stock containing funds to meet expenses to go along with my SS. That hurt. ....) If I may ask, what was your overall allocation during the down turn ? Did you own...

Sheepdog

(21 years living off of investments and SS) In the 2008-09 recession I learned a lesson. At the time, I was having to sell reduced value stock containing funds to meet expenses to go along with my SS. That hurt. I reported here then that I would, in the future, keep 3 to 5 years worth of normal with...

Sheepdog

When do you see effects of compound interest on net worth?
When I look at a holding which provided only interest over less than two decades: I bought $75,000 worth of I Bonds from June 2000 to October 2001 and see today they are worth $207,526.

Sheepdog

I have a BCBS Advantage PPO Plan with limited vision, hearing, and DENTAL coverage. The premium cost for this coverage is only $50 a month with the largest advantages for me: (1) twice a year opthalmologist exams. Eyeglasses are not provided for those, however. (2) For hearing, I can receive new aid...

Sheepdog

Just thinking it is another little sale but what do you guys think This is not an ad. https://orders.investorplace.com/chain?cid=MKT357044&eid=MKT425650&encryptedSnaid=&snaid=&step=start&assetId=AST88712&page=3 Very few Bogleheads would take his advice. Search Dan Wiener on this site to read many p...

Sheepdog

It's much easier to make friends when you have school age children. Extremely difficult after retirement. I have seen 70 year-olds become super lonely when the spouse died. You always need friends who are similar in age and experiences. Make an effort to keep them. Ditto for keeping your family tog...

Sheepdog

Get a Dog. :happy We're retiring in less than 2 years. I'll throw a contrary opinion out there. Don't get a pet of any type - YET. I have a relative that has a dog, and that limits their ability to travel on a short-notice basis, requires them to provide access to their home to the dog sitter (they...

Sheepdog

Do you need a laptop? Old people like big screens, good ergonomics and special keyboards, and it's not like they are the type to bring a laptop to a cafe or something. All these favor desktop all in one computers over laptops, especially if you have a budget. What is Your definition of "Old people"...

Sheepdog

Try ebay with separate bids for piano and song rolls. Some are listed now and some (song rolls) are listed sold.

Sheepdog

Eliminate cash as an asset class. 10% US stocks 90% short term treasuries 25% US stocks 75% intermediate treasuries Personally the 25% stocks, 75% intermediate treasuries portfolio is the lowest risk portfolio I would probably ever want to hold. Only other option I would consider is a bunch of CD's...

Sheepdog

Sheepdog, in our case, I contacted them by phone, after which they overnighted partially-filled-in paperwork which I overnighted back. Securing their required Medallion guarantee required a trip to my local bank and was made easier by a long-standing relationship with them. But this only required a...

Sheepdog

Excuse me for hijacking this thread, but it is within the subject, I think. I can imagine the issues my wife will run into if I (age 86) die today. She (age 79) has not and will not use a computer so everything must be done by telephone. Warning her about not being up to date on electronics does no ...

Sheepdog

It is simple. Over my 20 plus years in retirement I have set these up from several accounts (IRAs or any account) 1. Logon to Vanguard. 2. Go to My Account 3. Click on Account Maintenance 4. Click on Automatic Withdrawal Select the account, investment and go. Remember, those withdrawals from your tr...

Sheepdog

Anyone else experiencing problems logging , on to Vanguard in the last week or so? Lots of failures to connect lately for me. Anyone else getting this or know something about what may be happening? Thank you. That has happened to me several times in the last week or so where I don't connect to Vang...

Sheepdog

I just did a Google Search "Ft. Lauderdale to Key West" You may find something there. One thing that stood out was, "Is there a ferry from Fort Lauderdale to Key West?" The Key West Express high speed ferry leaves Ft. Myers Beach on its way to the Keys. ... The ferry ride takes approximately 3.5 hou...

Sheepdog

Never have. I enjoy doing everything for myself, if I have the knowledge and expertise.

Sheepdog

One more up vote for nomorobo. Agree it cuts out about 90%. Ours is also free. My understanding was it only worked on cable provided land line phones. It was not available for traditional phone company landlines. Not sure if that is still true. There may be options to port the number to some sort o...

Sheepdog

Sheepdog wrote: ↑
Tue Oct 09, 2018 2:11 pm
My wife's (age 78) Genworth LTC policy (from 1999) did not have a premium increase this year or last. (2017 and 2018)

Some here may appreciate this update. Her LTC billing this year from Genworth again did not increase

Sheepdog

I am an old f... who learned a long time ago and have advised here "do not invest assets which you will absolutely need in the next five years. Keep those assets safe." Why is that? Isn't it obvious? Sure, you may not gain possibly , but you can't lose what you cannot recover in time. You did that.....

Sheepdog

thank you, tj.

Sheepdog

You are assuming that you will not need LTC for many years. You could need LTC next year, like life expenses needs after an auto accident, stroke, etc. That is what insurance is for. Your plan is just investing as normal with little thought of what-if you will need LTC before the investment has accu...

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