Search found 1333 matches

by Miriam2
Fri Mar 24, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: IBR Student Loans or Retirement Investing
Replies: 14
Views: 1025

Re: IBR Student Loans or Retirement Investing

I would be very interested in hearing what jimb_fromATL suggests in this situation :happy The weighing of the opportunity costs described by rubixx in this situation seem different than other student loan vs. investing situations since there is a high interest rate and somewhat moderate income.
by Miriam2
Tue Mar 21, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Miami Open Tennis
Replies: 9
Views: 671

Re: Miami Open Tennis

And the weather in South Florida has been absolutely GLORIOUS the last two weeks and looks to be the same for another week. Enjoy your tennis tournament :happy
by Miriam2
Tue Mar 21, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Miami Open Tennis
Replies: 9
Views: 671

Re: Miami Open Tennis

I plan to attend the Miami Open Tennis tournament on Wednesday. Would someone who is local give me some idea on how much time (rush hour) I need to allow myself to drive down from, say, the West Palm Beach area so I can be parked at Key Biscayne by about 10 am? Barring backups due to accidents, wou...
by Miriam2
Fri Mar 17, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Driving Savannah to New Orleans
Replies: 17
Views: 938

Re: Driving Savannah to New Orleans

Hoops, did you see this recent thread on Savannah?

viewtopic.php?f=11&t=212148 - Trip to Savannah, GA
by Miriam2
Wed Mar 15, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 113
Views: 8769

Re: Preparing financially for our funerals - prepay or not?

Abe wrote:
David Scubadiver wrote: What if you pay and never die?

If I pay and never die, I want a full refund. :happy

I'm gonna find me a good lawyer and put that in that ole funeral prepay contract :idea:
by Miriam2
Wed Mar 15, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: 25 y/o Military -- advice on portfolio please
Replies: 15
Views: 1458

Re: 25 y/o Military -- advice on portfolio please

If I was 25 years old with 40 years until retirement, I would be 100% stocks in my retirement accounts in my 20s, 30s & even into my early 40s. . . . My daughter, who is 25, has her Vanguard Roth IRA equally weighted in: -Small Cap Value Index -Mid-Cap Value Index -Dividend Growth Fund (closed,...
by Miriam2
Wed Mar 15, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Redneck/All American Bank
Replies: 17
Views: 2160

Re: Redneck/All American Bank

I used the online Redneck Bank as a threat to my daughter, that if she kept raiding her Ally Bank savings account, I would close it and re-open her account at Redneck Bank - she looked it up and was appalled :D
by Miriam2
Wed Mar 15, 2017 9:16 pm
Forum: Investing - Theory, News & General
Topic: "Buffett's Bet"
Replies: 18
Views: 2318

Re: "Buffett's Bet"

Thank you for posting the article Taylor. I've been reading about Buffett's Bet. (Great name for a race horse :wink:
by Miriam2
Wed Mar 15, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: CCRC [Continuing Care Retirement Community]
Replies: 10
Views: 1103

Re: CCRC [Continuing Care Retirement Community]

Would like to hear from anyone actually living in a continuing care retirement community. What's it like? Would you do it again? Hi sarahjane, Here are two other BH forum threads on this subject you may find useful: viewtopic.php?f=2&t=166425 - Do Bogleheads plan to utilize Independent Living F...
by Miriam2
Mon Mar 13, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 28
Views: 3723

Re: Don't let your political views impact your investment strategy

More good clips from the article: It’s important to understand that, if you sell, unfortunately, there’s never a green flag that will tell you when it is safe to get back in. Never. Thus, the strategy most likely to allow you to achieve your goals is to have a plan that anticipates that there will b...
by Miriam2
Sun Mar 12, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 4706

Re: Ally Bank Replacement

HueyLD wrote:
JeepDaze wrote:Redneck Bank?

Is this a joke? Do you have to be one to join?

nope, no joke, nope, don't need to be a redneck to join - jus' want to earn interest on yer money at a real, bonafide, upstandin' financial institushun :happy

https://redneck.bank/
by Miriam2
Sat Mar 11, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22553

Re: How to Die

Thanks to the OP for sharing this article. This is not an easy topic. This powerful article, "How Doctors Die" shows how some of our medical doctors who do not want to get caught up in the medical system and suffer more. I have gone through the end of life with two people that I loved, my...
by Miriam2
Sat Mar 11, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2155

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

I have some extra saving I would like to put into investment. I am a newbie into investment. 1. vanguard vs. Schwab vs. T.Rowe Price vs. Fidelity,which one should I with? Fidelity has the tax deferred annuity which gives me a tax break as I am in the high tax bracket. 1) You almost certainly should...
by Miriam2
Fri Mar 10, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: IBR Student Loans or Retirement Investing
Replies: 14
Views: 1025

Re: IBR Student Loans or Retirement Investing

If you plan to go for forgiveness, there is almost no reason to pay anymore than you have to towards the loan. Under current rules whatever is forgiven will be considered income in the forgiveness year (cancellation of debt) thus be taxed at your marginal rate. So for most, you would only be paying...
by Miriam2
Thu Mar 09, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 55
Views: 7652

Re: Do you use lifestrategy/ asset allocation funds?

I like the Vanguard LS Growth and Vanguard Wellington both. I ran across this backtest tool and decided to test VASGX against VWELX. Testing period: Jan 1995 to Feb 2017 Starting with $10,000 and contributing $400 monthly. Result: Wellington ended up with $441,054 and LS Growth with $350,023 For a ...
by Miriam2
Wed Mar 08, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 1394

Re: Wellesley or Balanced index?

I'm confident I can stay the course, even through a correction. Even if the market goes in the crapper for a while, both the funds I'm looking at shouldn't suffer too greatly, compared to others. I'm not so sure you should be confident you can stay the course through a correction with a 60/40 or 40...
by Miriam2
Wed Mar 08, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Geico vs Travelers Car Insurance
Replies: 12
Views: 466

Re: Geico vs Travelers Car Insurance

Well, my next planned call to Geico will be to cancel the policy in favor of the other. IF they give me a deal then, I might take it. But I've called Geico twice now, and they aren't budging. I'm not sure, perhaps others know, whether car insurance is like life insurance - that you don't cancel wha...
by Miriam2
Wed Mar 08, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Geico vs Travelers Car Insurance
Replies: 12
Views: 466

Re: Geico vs Travelers Car Insurance

Tell me about it! But, I live in *South* Florida and am unmarried, so I think that adds to the cost. :( If I used my mom's zip code in the central part of state, I'd have it made in the shade. 8-) Not much shade anywhere Florida 8-) Look at these threads: viewtopic.php?f=2&t=167811 - Longtime I...
by Miriam2
Mon Mar 06, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: a few questions for a rookie,,,thx
Replies: 16
Views: 996

Re: a few questions for a rookie,,,thx

Hi luberhill, a few helpful points. First, Not sure what an IPS is?? For any abbreviations or acronyms, you can check our Wiki: Abbreviations_and_Acronyms Second, to reply to a post by quoting the other post, click the " on the upper right of the peron's post, bring the post up in the reply win...
by Miriam2
Mon Mar 06, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated)
Replies: 27
Views: 1310

Re: Need help picking term life policy

So I probably should work with an independent agent? How do I find a good one that won't try to push insurance? Since you're on term4sale, just plug in your zip code and work with one of the agents listed. That's what we did and the agent was very helpful, knew his stuff and didn't push anything. W...
by Miriam2
Mon Mar 06, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Roth IRA Question
Replies: 16
Views: 1023

Re: Quick Roth IRA Question

. . . funding the Roth and choosing the investments are distinctly different things. One of the beauties of a Roth, or any IRA, is that you can swap investments at any time without taxes. So don't wait too long before you open the Roth and fund it with something reasonable. One of the target retire...
by Miriam2
Mon Mar 06, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3111

Re: Where do you order checks from?

http://www.deluxe.com

I've used them for 20 years. They even have my last check number in their system, so my next order starts with the next numbered check.
Note - my bank, Chase, sends out info that we "have to" or "should" order from Chase. Not true :annoyed
by Miriam2
Sat Mar 04, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Nice portable Bluetooth speakers
Replies: 17
Views: 898

Re: Nice portable Bluetooth speakers

After reading Toons' description and seeing his set-up, I bought this little Bose speaker from Amazon. It is wonderful, opened up a whole new world of music for me. No more fiddling with CDs or DVDs (or cassettes :D ) It's a solid little fellow one can take anywhere, put it in your purse & take ...
by Miriam2
Sat Mar 04, 2017 7:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 234
Views: 27444

Re: Roll Call for the Retirement Class of 2016!

Victoria appears to be out on another adventure - she does retirement well :wink: Although she said this about her retirement in the Roll Call 2014 thread, so I am a little concerned . . . VictoriaF wrote: I have just returned from a wonderful trip that most of you would be horrified of . . . Life i...
by Miriam2
Fri Mar 03, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Bad 401k Choices & Taxable Investing
Replies: 9
Views: 800

Re: Portfolio Advice - Bad 401k Choices & Taxable Investing

If bonds need to be held in the 401(k), they should be TIPS because there is a low-cost TIPS fund. If bonds do not need to be held in the 401(k), I agree that putting all the bonds in an IRA in Total Bond Market would be better. In practice, as long as you get a low-cost fund, it doesn't matter muc...
by Miriam2
Thu Mar 02, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Bad 401k Choices & Taxable Investing
Replies: 9
Views: 800

Re: Portfolio Advice - Bad 401k Choices & Taxable Investing

The other options allow you to add mid-caps, small caps, and TIPS in your 401(k) . Those can combine for most of your portfolio; you can hold other bonds in your IRAs, and international stock in your IRAs, or in a taxable account if you max out your retirement. Grabiner, may I ask why would you sug...
by Miriam2
Thu Mar 02, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to determine the assert allocation?
Replies: 8
Views: 838

Re: How to determine the assert allocation?

I know it's not good to time the market, but I am under the impression that the market growth might be weak in the near future. Therefore, I'm not confident to have invest too heavily on stock, as suggested by many sites. On the other hand, I feel I'm too conservative to have large cash reserves. H...
by Miriam2
Thu Mar 02, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: [Long-term Care Penn Treaty insurance to liquidate]
Replies: 11
Views: 1202

Re: $4.6BN Long-Term-Care Insurer To Liquidate In PA; Biggest Healthcare Failure Ever

A December Nisiprius thread on this: viewtopic.php?f=10&t=204712 - Penn Treaty insurance, let's see how the guaranty associations perform Looks like Penn Treaty has had problems for many years. Here is a post from forum member Mlebuf from 2008 in which he wrote he switched his LTCi policy from P...
by Miriam2
Wed Mar 01, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best option for a Florida public school employee's 403b/457b?
Replies: 16
Views: 709

Re: Best option for a Florida public school employee's 403b/457b?

Here are several other links for teachers:

viewtopic.php?f=2&t=161747- 403b plans by sschullo
http://www.403bwise.com
teachandretirerich.com/podcasts

Interesting, but it appears we do not have a Wiki on teachers and school employee financial planning??
by Miriam2
Wed Mar 01, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5445

Re: Pre-retirement checklist, what is on yours?

Once I finish remodeling my house I'm going to get seriously into the diet/exercise stuff. At the moment I'm getting the exercise cleaning my house etc. etc. I guess I also need to learn to cook! Its expensive eating out all of the time even if it is at a diner. I just want to point out in a friend...
by Miriam2
Tue Feb 28, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: TRP "Fee Credits" [T. Rowe Price]
Replies: 8
Views: 525

Re: TRP "Fee Credits"

I could have sworn someone had posted a reply asking if I had called them. So, reluctantly, I did. Still not really sure what it means. He read to me a paragraph that described it. Apparently, the fee structure used for recordkeeping and services was revised during 2016 (now they charge $8 per quar...
by Miriam2
Tue Feb 28, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with Life Insurance Salesmen
Replies: 32
Views: 2187

Re: Meeting with Life Insurance Salesmen

Read through this thread at all the arguments against whole life. I especially liked the very insightful posts from TSR. Then have the meeting. If your friend can put up as many arguments for Whole Life as the originator of this thread, he's ready to go out and sell. https://www.bogleheads.org/foru...
by Miriam2
Mon Feb 27, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Member Here, Looking for some suggestions
Replies: 24
Views: 1689

Re: New Member Here, Looking for some suggestions

. . . DW has a $1000 bonus coming which will also go towards my "Stupid Furniture loans" . . . Vehicles : 2015 Toyota $704/month $29022 of original $41699 2.99% (plan to own till it dies, still stupid ) 2013 Kia Forte $368/month $6691 of original $21,000 5.02% ( refinanced to get title qu...
by Miriam2
Mon Feb 27, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 33
Views: 2180

Re: Trip to Savannah GA

Savannah is simply one of the most beautiful and interesting historic towns to spend the entire day walking around. Take a guided walking tour, or several. The city was specifically designed with parks every few blocks and the large oak trees are magnificent. If you're lucky, you may start seeing so...
by Miriam2
Sat Feb 25, 2017 2:38 am
Forum: Investing - Help with Personal Investments
Topic: Roth "earned income" is 1040 Line 7 only? (salary) ; filing an amendment ? :)
Replies: 8
Views: 568

Re: Roth "earned income" is 1040 Line 7 only? (salary) ; filing an amendment ? :)

triceratop wrote:The BG wiki is out of date. The new term-of-art is "taxable compensation", and earned income means something else entirely (or ceased to exist?). See pub 590-a

What is the BG wiki? Our Boglehead wiki? Would you be able to link the out-of-date part? Thanks :happy
by Miriam2
Sat Feb 25, 2017 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3570

Re: Ethical dilemma involving birthdays and wine..

(For the younger generation, a check is used like a debit card, except it's paper, one-time use, and you have to write the transaction amount on it. The good news is that more humans can accept a check than can accept a debit card.) Hmmm.....intriguing. And what exactly is this "writing" ...
by Miriam2
Thu Feb 23, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3570

Re: Ethical dilemma involving birthdays and wine..

Does this mean that for the last 8 years you have been receiving birthday bottles of wine from this fellow and you have never before sent him a thank you card?? :shock: :shock:

Yes, listen to your wife, she knows the social protocols :D
by Miriam2
Wed Feb 22, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7733

Re: New Boglehead Millionaire

Don't tell your family or friends or they might wonder if you could spare a little extra change :shock:
by Miriam2
Wed Feb 22, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10412

Re: Vanguard opens special offices for $1 million clients

Daryl wrote:The only thing separating me from a "special office visit" are two miles... and $500,000!

Yes Daryl, but you sleep well at night :D
by Miriam2
Tue Feb 21, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Australia - Please help me with my first portfolio
Replies: 12
Views: 758

Re: Australia - Please help me with my first portfolio

I have updated my original to include further information, also I am thinking of copying my portfolio for my 5-month-old baby so when she is 18 hopefully she can have a good start. Hers would be started with 5k and then 1-2k per year until she is 18 year old. At 5 months old, I would guess your bab...
by Miriam2
Tue Feb 21, 2017 8:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 18760

Re: Sad News About a Respected Forum Member

The funeral home website has a button near the bottom, "Post a Condolence," that will allow you to leave a message for the family: http://www.bucktroutfuneralhome.net/obituary/lee-evans-marshall/ Nisiprius, Thank you for posting your condolences on the funeral home website, with nice comm...
by Miriam2
Mon Feb 20, 2017 12:31 am
Forum: Investing - Theory, News & General
Topic: Bull/Sell your stock before dividend date or after dividend date?
Replies: 9
Views: 1201

Re: Bull/Sell your stock before dividend date or after dividend date?

Suppose you want to buy a mutual fund for total stock market. There's VTSAX which gives dividends for times a year. There's SWTSX which gives dividends once a year. Assuming stock doesn't really change in price between the two days, would you want to BUY it the day before or the day after it's ex-d...
by Miriam2
Sun Feb 19, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do Taxes work with Mutual funds.
Replies: 21
Views: 1474

Re: How do Taxes work with Mutual funds.

Dividends are reported at tax time to you and to the IRS on form 1099-DIV, while capital gains are reported on form 1099-B. I think that capital gains can also be reported on 1099-DIV - and someone please correct me if I'm wrong :shock: In my Vanguard taxable account, my form 1099-DIV (Dividends an...
by Miriam2
Sun Feb 19, 2017 7:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3362

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

What a remarkable 10th Birthday celebration! First our mentor, Jack Bogle, sent us a wonderful post :happy Then . . . ! Congratulations on reaching a double digit age. What a long strange trip it's been. Thank you to those who took on this labor of love and turned it into a REALLY BIG DEAL: tashina ...
by Miriam2
Sun Feb 19, 2017 11:17 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3362

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

To my beloved Bogleheads, Heartiest congratulations on the tenth birthday of the bogleheads.org forum. What a decade! What a service to investors! Yes, “if you build it, they will come.” And with 4,000,000 hits per day, it’s fair to say that intelligent, self-motivated investors came in droves. As ...
by Miriam2
Sun Feb 19, 2017 12:56 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3362

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

BrandonBogle wrote:Happy Birthday Bogleheads Forum!
Thank you Mel, LadyGeek, Triceratop, and the rest of the team (I know I missed many) for making this such a success, both on the front end facing us and the back end facing the systems and technical systems!

ahh - Taylor ?? :D
by Miriam2
Fri Feb 17, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 5524

Re: The russians are hacking me

Hacking attempts are constant. You don't realize how much until you see reports on your own websites. +1. I had a web site that was nothing really. I was constantly under attack. It was shocking. Is this about websites that you have for a business or for personal matters, or are we also talking abo...
by Miriam2
Fri Feb 17, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any hope? [Portfolio help]
Replies: 4
Views: 1328

Re: Is there any hope?

Welcome to the Bogleheads labfan! It would be better if you were to edit your post to include the name of each fund (abbreviations ok) next to the tickers, since many of us are not familiar with every ticker. Greetings Kind People, Any suggestions / recommendations would be greatly appreciated. Rude...
by Miriam2
Fri Feb 17, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a funeral plot located in Hawaii on the slopes of Diamond Head (great views)?
Replies: 31
Views: 2009

Re: How to sell a funeral plot located in Hawaii on the slopes of Diamond Head (great views)?

Short of the National Memorial Of The Pacific, this is one of the most desired and expensive places in Hawaii. Having lived in Hawaii, I agree. And so close to the beautiful ocean! My dear husband and I bought our non-Hawaii plots years ago and now realize they're near a cemetery walkway. Cannot de...

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