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Re: Could it be worth using Roth even in a high tax bracket?

It is difficult to determine what taxes will be in the future for pre-tax, after-tax and Roth investments. We are retired and have a blend of all - not 33% each but at least 20% of each. Besides diversifying risk (and we can argue over where the greatest risk is), it allows us to plan spending and m...
by Maid of the Mist
Wed Dec 17, 2014 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Could it be worth using Roth even in a high tax bracket?
Replies: 37
Views: 2335

Re: Rental Property Questions (landlords and property manage

My husband and I have a rental property and I do taxes for my part-time retirement job and see a lot of returns with rental units. Rental units are tricky because they can be pretty profitable at best and very unprofitable (and a pain) at worst. Our rental property turned out wonderful. We have had ...
by Maid of the Mist
Wed Dec 03, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental Property Questions (landlords and property managers)
Replies: 8
Views: 640

Re: NE Ohio (Cleveland Area) Master Thread

Pushed this to the top to remind all the NE Ohio folks about the meeting this Saturday - Dec 6 at 10am. Location is North Royalton Library. See above for topics for the meeting.

Hope to see you there.
by Maid of the Mist
Mon Dec 01, 2014 4:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Re: Buying a lasting vehicle

If you are buying used, it is probably worth it to get a car fax on the car (though car faxes are not perfect, they can identify a problem vehicle). I also would have a good mechanic look at the vehicle before buying. Good luck.
by Maid of the Mist
Tue Nov 18, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4735

Re: NE Ohio (Cleveland Area) Master Thread

This is an update for the December Bogleheads meeting. The date has changed to Dec 6 (a week earlier than originally planned). It is still a Saturday at 10am at the North Royalton Library. However, be sure to change your calendars to Dec 6. I hope this is not a big inconvenience for folks. Remember ...
by Maid of the Mist
Mon Nov 17, 2014 10:41 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Re: NE Ohio (Cleveland Area) Master Thread

Just another reminder about Saturday's 10 am meeting at the North Royalton Library. Details are above.
by Maid of the Mist
Mon Oct 13, 2014 5:30 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Re: NE Ohio (Cleveland Area) Master Thread

Just a reminder that our next meeting of the NE OHio Bogleheads is Oct 18 at 10 am. Location: North Royalton Branch of Cuyahoga County Public Library 5071 Wallings Rd North Royalton, OH 44133 Topics will be: - Retirement withdrawals - Retirement bridge period (between actually quitting work and coll...
by Maid of the Mist
Sun Oct 12, 2014 4:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Re: I-bonds - variable rate - Nov 1

I have learned long ago: Just when I thought housing prices would never go down…. Just when I thought natural gas prices would never go down…. Just when I thought gold prices would never go down…. Just when I thought steel and iron ore prices would never go up….(they went up in a big way in 2006, 20...
by Maid of the Mist
Sun Oct 12, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds - variable rate - Nov 1
Replies: 13
Views: 2253

Re: Oatmeal suggestions

We are oatmeal fans. We have it 4-5 times per week at home. I cook steel cut oats and multi grain cereal together for 18 minutes and then let it sit for 5 more minutes. We add banana, cinnamon, walnuts, dates and/or wild blueberries. What a fantastic breakfast! I am going to try the rice cooker. Sou...
by Maid of the Mist
Tue Sep 30, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 12829

Re: The Oracle of Buffalo....very nice article

My husband and I met Stephanie years ago. We had lunch with her, my sister and another friend. Stephanie was full of life (she was well into her eighties at the time) and very interested in investing and really interesting to talk to. She was always very frugal but also very philanthropic. She read ...
by Maid of the Mist
Sat Sep 20, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: The Oracle of Buffalo....very nice article
Replies: 7
Views: 1241

Re: American Funds' Active Investing Whitepaper

Another question I have is are they using the S&P 500 total return or the S&P index. The total return includes dividends and any other distributions to shareholders. For example the S&P total return for 2013 was 32.4% while the S&P index grew at 29.6%. I have seen financial advisors ...
by Maid of the Mist
Fri Aug 08, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds' Active Investing Whitepaper
Replies: 22
Views: 2550

Re: Your Favorite charity organization...? please

Robin Hood Foundation in NYC. They have an interesting approach. They donate to organizations that provide them with a business plan and goals (to fight poverty). If the goals and plans look good they are given $. However, if they want to continue to receive $, they must meet their goals.
by Maid of the Mist
Fri Aug 08, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4938

Re: NE Ohio (Cleveland Area) Master Thread

This is a reminder post for all NE Ohio Bogleheads. There is a meeting tomorrow, Saturday, Aug. 9 at 10am at the Brecksville library. We have no set agenda, so come with any questions or issues you would like discussed. Hope to see you there.

Maid of the Mist
by Maid of the Mist
Fri Aug 08, 2014 12:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Re: NE Ohio (Cleveland Area) Master Thread

Definitely Aug 9 at 10 am (Saturday) at the Brecksville library.

We missed you Cyber Bob in June. And we will miss Bob in Berea in August.
by Maid of the Mist
Sat Jun 28, 2014 1:53 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Re: NE Ohio (Cleveland Area) Master Thread

Just another reminder for the NE Ohio Boglehead meeting on Saturday, June 21 at Brecksville Library. Meeting time is 10 am. See prior post in this thread for more information. Hope to see all the regulars and any newcomers are welcome!
by Maid of the Mist
Thu Jun 19, 2014 8:25 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Re: NE Ohio (Cleveland Area) Master Thread

It is time for another NE Ohio Bogleheads meeting. All are welcome. The meeting will be on June 21 (Saturday) at the Brecksville Library in Brecksville, OH. Note that this library locale is different from April's meeting locale. Meeting time is 10am and we will be in the large meeting room. We had a...
by Maid of the Mist
Sun Jun 15, 2014 3:00 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Re: Ideas for dining inexpensively

I agree with sscritics economics and those economics are true of any decent take-out or restaurant options. And I personally do make salads at home. The poster did not seem interested in spending time preparing meals though. Buying all the ingredients for a large, good, "complete meal" sal...
by Maid of the Mist
Mon May 26, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4813

Re: Ideas for dining inexpensively

I don't know specifically about the Bay area, but while traveling I often go to a large supermarket that has a large salad bar. I put the salad together "my way" and usually make just the right amount. This is a pretty healthy meal and usually pretty reasonable. Many supermarkets even have...
by Maid of the Mist
Mon May 26, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4813

Re: NE Ohio (Cleveland Area) Master Thread

Remember to mark your calendar for our April meeting (see below). Also take note of the location change.
by Maid of the Mist
Sun Apr 06, 2014 10:08 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

NE Ohio (Cleveland Area) Master Thread

The NE Ohio Chapter met this past weekend and had a lively and interesting discussion on annuities and long term care insurance. Our next meeting will be April 19 (Saturday) at 10am and will be held at the Independence Branch of the Cuyahoga County Public Library. This is a change from our usual mee...
by Maid of the Mist
Sun Feb 16, 2014 5:24 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 31
Views: 3702

Feb 15, 2014 NE Ohio Bogleheads Mtg

Snow, ice and cold prompted the cancellation of our last meeting - but let's see if we can get a decent weather day for our Feb meeting! The details of the meeting are: Date: Saturday, Feb 15, 2014 Time: 10:00 am Location Brecksville Library in Brecksville, OH (if anyone would need directions try go...
by Maid of the Mist
Wed Feb 12, 2014 7:11 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Feb 15, 2014 NE Ohio Bogleheads Mtg
Replies: 0
Views: 597

NE Ohio meeting on Feb 15, 2014

Snow, ice and cold prompted the cancellation of our last meeting - but let's see if we can get a decent weather day for our Feb meeting! The details of the meeting are: Date: Saturday, Feb 15, 2014 Time: 10:00 am Location Brecksville Library in Brecksville, OH (if anyone would need directions try go...
by Maid of the Mist
Sun Feb 09, 2014 12:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio MTG Feb 2014
Replies: 4
Views: 710

Re: Vanguard Total International...2 stars now?

In my 401K, I have two international funds to choose from: Vanguard Total International Index S and Fidelity Diversified International. The Fidelity fund has outperformed the Vanguard index fund recently. If I look at the composition of the funds, I find 10%+ U.S. in the Fidelity fund compared to .0...
by Maid of the Mist
Sat Dec 14, 2013 9:03 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International...2 stars now?
Replies: 26
Views: 4993

Re: NE Ohio MTG Dec 2013

Please note the cancelation of this meeting today.

Thanks,
M.O.M.
by Maid of the Mist
Sat Dec 14, 2013 6:03 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio MTG Feb 2014
Replies: 4
Views: 710

Re: NE Ohio MTG Dec 2013

The weather forecast here in Northeast Ohio will be snowy and slippery. Given this forecast and also given the distance many members travel, the NE Ohio Bogleheads meeting tomorrow, Dec 14 @ the Brecksville Library is CANCELLED. The next meeting is scheduled for Feb 15 at the Brecksville Library. Ma...
by Maid of the Mist
Fri Dec 13, 2013 6:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio MTG Feb 2014
Replies: 4
Views: 710

NE Ohio MTG Feb 2014

This is an early reminder for the next NE Ohio chapter Bogleheads meeting. It will take place on Saturday, Dec 14 at 10 am. It will be in the large room (Meeting room) at the Brecksville Library in Brecksville, OH. Topics for discussion will be: 1. Annuities (all kinds - the good, bad and ugly) 2. L...
by Maid of the Mist
Fri Nov 15, 2013 1:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio MTG Feb 2014
Replies: 4
Views: 710

Re: NE Ohio Oct 2013 Meeting

Last notification for today's meeting!
by Maid of the Mist
Sat Oct 12, 2013 7:01 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Oct 2013 Meeting
Replies: 6
Views: 867

Re: NE Ohio Oct 2013 Meeting

One more reminder for this meeting. Also note it will be in the large meeting room. Hope to see you there.

Newcomers are welcome.

MOM
by Maid of the Mist
Thu Oct 10, 2013 8:46 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Oct 2013 Meeting
Replies: 6
Views: 867

NE Ohio Oct 2013 Meeting

NE Ohio Bogleheads will have a meeting on Oct 12 (Sat) at 10 am. The meeting will be at the Brecksville library in Brecksville OH. Our topics will be: 1. Estate Planning - focus on trusts 2. Target Date funds - the good, the bad and the ugly We hope to see all the "regulars" there and welc...
by Maid of the Mist
Tue Oct 08, 2013 8:24 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Oct 2013 Meeting
Replies: 6
Views: 867

Re: NE Ohio Bogleheads Mtg Aug 10

However, you are always invited to the NE Ohio area meetings.
by Maid of the Mist
Tue Aug 06, 2013 2:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Bogleheads Mtg Aug 10
Replies: 7
Views: 624

Re: NE Ohio Bogleheads Mtg Aug 10

We have some very good discussions. The folks that attend are some of the most financially astute folks I know. The meetings usually have discussion around a pre-selected topic/s (one we chose at the prior meeting) and then we have an open forum with the extra time. The meetings usually last about 1...
by Maid of the Mist
Tue Aug 06, 2013 8:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Bogleheads Mtg Aug 10
Replies: 7
Views: 624

NE Ohio Bogleheads Mtg Aug 10

Just a reminder that the next NE Ohio Bogleheads meeting is Saturday, Aug 10 at 10am. The location is the Brecksville library in Brecksville, OH.

Our primary topic of discussion will be "How our different behaviors affect our investing". Hope to see you there.
by Maid of the Mist
Mon Aug 05, 2013 7:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Bogleheads Mtg Aug 10
Replies: 7
Views: 624

Re: Garlic anyone?

Garlic scapes are great. We like them steamed slightly. Also cut off the ends (both sides) as they are stringy. We have had them in stir fries and salads. We also eat raw garlic in salads. We believe it is healthy and great tasting. As for odor, there are many culprits things out there. For example,...
by Maid of the Mist
Thu Jul 18, 2013 9:30 am
 
Forum: Personal Consumer Issues
Topic: Garlic anyone?
Replies: 51
Views: 4869

Re: Premium Products That Are Worth It To You

Very good food - fruits, veggies, organic, fair trade, non-gmo, fresh & local grown.
Also great vacations anywhere (especially where a bicycle is involved).
by Maid of the Mist
Fri Jun 07, 2013 9:00 am
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 41329

Re: NE Ohio Bogleheads Mtg June 15

I am just elevating this post for the Saturday morning viewing group.
Thanks
by Maid of the Mist
Fri Jun 07, 2013 8:56 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Bogleheads Mtg June 15
Replies: 2
Views: 693

NE Ohio Bogleheads Mtg June 15

Just a reminder to all the NE Ohio Bogleheads (or any other interested Bogleheads) that our next meeting is June 15 (Saturday) at 10am. Location is the Brecksville Library in Brecksville, OH. Topics for the meeting are: 1. Retirement withdrawal strategies 2. Frugal ideas - what is your latest cost s...
by Maid of the Mist
Thu Jun 06, 2013 8:01 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Bogleheads Mtg June 15
Replies: 2
Views: 693

Re: Mainstay advice

Thanks - all good advice in my opinion. She is really close - almost there.
by Maid of the Mist
Wed May 15, 2013 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Mainstay advice
Replies: 3
Views: 754

Mainstay advice

A friend of mine invests through the Mainstay financial planning services. Initially when she told me about them, the fund options for her IRAs didn't look awful. Now it looks like they put her in several "loaded" funds and move money from one fund to another pretty regularly. It looks lik...
by Maid of the Mist
Wed May 15, 2013 6:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Mainstay advice
Replies: 3
Views: 754

Re: [I may need Long-Term Care Insurance]

Long term care may be needed but you will probably also need a "trusted" person to handle your affairs (money) if you are unable to or deemed unable to. My advice - take the time now to determine who this "trusted" person will be and work with them on your wishes. This year I did...
by Maid of the Mist
Fri Apr 19, 2013 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: [I may need Long-Term Care Insurance]
Replies: 23
Views: 2839

Re: Next NE Ohio mtg - Apr 20

Just a reminder - tomorrow we will be meeting at the Brecksville library in Brecksville Ohio. Hope to see you there. We will be discussing the topics listed above as well as other interesting and relevant financial topics (and some maybe not so relevant). Meeting is at 10 am. Bring a cup of java, te...
by Maid of the Mist
Fri Apr 19, 2013 9:26 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Next NE Ohio mtg - Apr 20
Replies: 5
Views: 756

Re: Amica Umbrella Insurance - major rate hike

We are with Amica. Our renewal was in March for Umbrella and auto. Auto went up 3.5%. Umbrella went down 3.6%.
by Maid of the Mist
Thu Apr 18, 2013 6:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Amica Umbrella Insurance - major rate hike
Replies: 26
Views: 2641

Re: Vanguard's so so customer service

While my husband and I don't call Vanguard often - maybe 5 to 10 times a year - we have found them professional, very helpful and knowledgeable. We also found that some questions needed researching but they always got back to us. For the 15-20 years we have been Vanguard customers, I can't remember ...
by Maid of the Mist
Mon Apr 08, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 30
Views: 2019

Re: Next NE Ohio mtg - Apr 20

This is a reminder message about the meeting and the topics for those want to prepare/read ahead.

Hope to see you there!

Maid of the Mist
by Maid of the Mist
Fri Apr 05, 2013 7:20 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Next NE Ohio mtg - Apr 20
Replies: 5
Views: 756

NE Ohio Bogleheads Mtg Apr 20

Mark your calendars. The next meeting of the NE Ohio Bogleheads is planned for Saturday, April 20 at 10AM. We will meet at the Brecksville library.
by Maid of the Mist
Mon Apr 01, 2013 7:26 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Bogleheads Mtg Apr 20
Replies: 3
Views: 383

Re: help with minivan decision please

We acquired a 2012 Honda Odyssey last year and it is great. I believe that the Toyota Sienna is very good also - honda gave us the better deal. Also Honda gas mileage is quite a better on the highway than the Sienna (and it really is) if you do a lot of longer trips. The Odyssey is also recommended ...
by Maid of the Mist
Mon Mar 04, 2013 3:56 pm
 
Forum: Personal Consumer Issues
Topic: help with minivan decision please
Replies: 47
Views: 3352

Next NE Ohio mtg - Apr 20

The next NE Ohio Mtg will be held on Saturday, Apr 20 at 10am at the Brecksville Library in Brecksville, OH. Three specific topics were suggested for discussion. For those who care to do a little upfront research, I listed the topics below and cited a couple Vanguard whitepapers. There are also a fe...
by Maid of the Mist
Sun Feb 17, 2013 3:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Next NE Ohio mtg - Apr 20
Replies: 5
Views: 756

Re: NE Ohio Meeting

Just a reminder about tomorrow's NE Ohio Chapter meeting at Brecksville Library. The weather looks pretty good here - so I hope to see you there.
by Maid of the Mist
Fri Feb 15, 2013 10:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Meeting
Replies: 7
Views: 739

Re: NE Ohio Meeting

Anyone in or around NE Ohio on Saturday, Feb 16 is welcome to the NE OH Bogleheads meeting - see above. There will be an update to this thread (around 9 pm on Friday, Feb 15) if there would be a postponement to the meeting due to weather - so if you are planning to come please check the Bogleheads F...
by Maid of the Mist
Tue Feb 05, 2013 1:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio Meeting
Replies: 7
Views: 739

Re: international bond index

During the last web cast with TIm Duncan and Bill McNabb, they gave an update on International Bond Funds. They said that two international bond funds would be available by the end of 2Q13. Review that web cast to get more info.
by Maid of the Mist
Tue Jan 22, 2013 10:02 am
 
Forum: Investing - Theory, News & General
Topic: international bond index
Replies: 3
Views: 509

Re: Cleveland Clinic

I wish you and your wife the best. I am not a health professional, but I had a relative at the Clinic last month and was super impressed by the quality of care and the knowledge. I personally don't believe that traditional health care is the complete answer to all that ails us, but I will say that i...
by Maid of the Mist
Mon Jan 14, 2013 8:00 am
 
Forum: Personal Consumer Issues
Topic: Cleveland Clinic
Replies: 31
Views: 3061
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