billjam:Nice going yourself! I wish I hadn't had to withdraw some now and then all year, but c'est la vie! I tend not to be a slave to the 4 percent (or any percent number), preferring to take what I need, when I need it, within reason, and then work at trying to build it back up again as much as I can!Dividend stocks help. As I have said, stocks like INTC, BGS, GE, and T provide decent returns, and having SOME in some hot ones like AGNC and NLY jazz things up, with returns in the teens, but I never, ever have a lot in those, and I'll be ready to abandon them fast if I see signs that interest rates are about to start rising!Peace -- and hope 2012 doesn't smash us too badly!Vermonter
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