Search found 1658 matches

by Miriam2
Sat Sep 23, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 10
Views: 510

Re: grad student - how much to contrib to IRA

Our son is a grad student - and gets a stipend... Q - Is your son's stipend "earned income" for purposes of contributing to an IRA? See these prior threads: Graduate Students, Roth IRAs, Traditional IRAs Caduceus wrote : The confusion arises because of the popular but mistaken assumption that any i...
by Miriam2
Sat Sep 23, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1354

Re: What am I thinking.. a new car finance thread.

midareff wrote: I'll be 70 this year and am (very) seriously thinking of ordering a car type I have been lusting after for about 2 decades. . . . Your thoughts?
What does wifey say? :wink:
by Miriam2
Fri Sep 22, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 10
Views: 510

Re: grad student - how much to contrib to IRA

Our son is a grad student - and gets a stipend... it's not a bad paycheck... Was wondering, as time goes on, how should he figure out how much to allocate and contribute to his Vanguard Roth IRA ? Yeah, it would involve the income vs expense worksheet - but then.... how much should you force yourse...
by Miriam2
Fri Sep 22, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation + DCA Advice
Replies: 9
Views: 607

Re: Asset Allocation + DCA Advice

2) I have 100k in my savings. How would you go about Dollar Cost Averaging this? Lot of people recommend lump-sum investing but I am too scared to do that. If I go by DCA, Do you think it would be a good approach to invest these funds over a span of 3 years? Here are several other threads and our w...
by Miriam2
Fri Sep 22, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Take The Lump Sum or The Immediate Annuity?
Replies: 34
Views: 2917

Re: Take The Lump Sum or The Immediate Annuity?

Take The Lump Sun or The Immediate Annuity? Dear Michael: You have received many useful replies to help you with your decision. I'll add one more. Researchers Mitchell, Frank and Wade Pfau published a study on this very subject in which they found that, for most of us, Single Premium Immediate Annu...
by Miriam2
Fri Sep 22, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Loans paid off!
Replies: 17
Views: 986

Re: Loans paid off!

Utahdogowner wrote: I'd never have been able to do this without an extremely frugal wife. I swear she can put a fingerprint on every copper penny she touches.
It takes two . . . I'm going to show your post to my dear husband to bolster my case :D
by Miriam2
Fri Sep 22, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 1
Views: 161

Re: Investment Advice

ElectricalGuru, welcome to the Bogleheads! Others can more expertly answer your questions, but these things stood out - Average salary is gross 110K along with annual bonus of 10% and 6.5K company stock options . I’ve got enough money saved aside that I could live for 6-12 months. I contribute 10% b...
by Miriam2
Fri Sep 22, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 47
Views: 3359

Re: VG wants everyone to transfer to a brokerage account?

bettyboopmary wrote: Thanks OCG...forgive me but what is YMMV?
For other abbreviations and acronyms, our wiki has the master list as well as an index where we can search and read articles on investing until the wee hours of the night :D
by Miriam2
Fri Sep 22, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for my 20 year old son
Replies: 8
Views: 505

Re: Investing for my 20 year old son

Welcome to the Bogleheads - and nice beginning for your son - and mom, great job! Here is what my millennial son does - Emergency fund -- $5000 (This is an accumulation of gifts/chores money over the years). This is in a checking account for now. He is unlikely to need this money, but he insists on ...
by Miriam2
Fri Sep 15, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 4079

Re: High-Deductible Health Plan vs. Peace of Mind

Because insurance prices the premiums and deductibles and copays to make the high deductible and low deductible plans break even in the typical case. They don't benefit from your tax savings. The tax savings are strictly between you and the IRS. I explain more here with a calculator: https://thefin...
by Miriam2
Tue Sep 05, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12522

Re: Florida Hurricanes: When and where to go?

Not good :( Even the Florida Panhandle must be on guard. Here is an article from Tuesday 9/5/2017 regarding the unique intensity of Hurricane Irma and projections of what may come this weekend. The author is a former NOAA Hurricane Hunter. Look at the spaghetti track projections. https://www.wunderg...
by Miriam2
Mon Sep 04, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12522

Re: Florida Hurricanes: When and where to go?

livesoft wrote: Whoopsies! Wrong part of Florida: The peninsula, not the panhandle, I will edit my post. What do you call that part anyways? :oops:
Tropical paradise 8-)
by Miriam2
Mon Sep 04, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12522

Re: Florida Hurricanes: When and where to go?

I was going to the keys on Friday with some friends but we just decided to cancel the trip bc of the weather. Wasn't worth the risk to go all the way down there and have none of the dive boats go out. I love Florida but that's one of the things you deal with. You know... like the bugs, alligators, ...
by Miriam2
Mon Sep 04, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12522

Re: Florida Hurricanes: When and where to go?

Agree leave early or don't leave at all. Unless in flood zone or affected by surge. Remember that homes can have catastrophic flooding because the city/county storm drains are inadequate or become plugged with debris - whether or not the home is in a flood zone or close to a likely storm surge. In ...
by Miriam2
Mon Sep 04, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12522

Re: Florida Hurricanes: When and where to go?

I appreciate the suggestions. It looks like it makes sense to sit tight until 2 days out and then either drive/fly away. Can anyone comment on traffic conditions to Orlando 48 hours before a hurricane is projected to make landfall? Yes, the traffic conditions will be there is only one road to Orlan...
by Miriam2
Mon Sep 04, 2017 3:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16203

Re: [Are the Bogleheads] getting less interesting?

I think the most interesting conversations take place when people engage with those who have very contrasting and challenging views and a civil and productive means of discussing them (like this forum). Yes, I agree. We receive extremely helpful information and suggestions on all things financial w...
by Miriam2
Sun Sep 03, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12522

Re: Florida Hurricanes: When and where to go?

Do people along the coast ever "safe" rooms inside their homes? My mother used to crawl into her walk-in closet with a mattress over her. She would then sleep through the storms. True story as told by my sister who was with her once, scared to death. I believe she only went to a real shelter once. ...
by Miriam2
Sun Sep 03, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 4079

Re: High-Deductible Health Plan vs. Peace of Mind

tfb wrote: If you go with HDHP, contribute the maximum to the HSA because nearly 100% of the savings comes from the HSA tax savings.
Could you explain this? Wouldn't the tax savings only be the tax bracket percent of the $3,400?
by Miriam2
Sun Sep 03, 2017 1:05 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade
Replies: 13
Views: 1239

Re: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade

LadyGeek wrote:
Sun Sep 03, 2017 9:55 am
We're back. The upgrade was successful; the server is working just fine. :)
Thank you LadyGeek, Mingstar and all the admins and moderators and everyone for keeping our Boglehead server and forum happy and healthy 8-)
We go into serious depression without it.
by Miriam2
Sun Sep 03, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12522

Re: Florida Hurricanes: When and where to go?

. . . the forecasts are generally better at predicting intensity than they are predicting precise landfall location. They are actually very good at assessing whether the storm has any potential to strengthen as it approaches land. For a perfect example of a tragically incorrect prediction of where ...
by Miriam2
Sat Sep 02, 2017 1:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 6082

Re: Stan died [Long time forum lurker]

Stan was part of our quiet group, our silent majority.

The Bogleheads Silent Majority
by Miriam2
Sat Sep 02, 2017 12:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 214
Views: 28163

Re: Roll Call for the Retirement Class of 2017!

Glad to say I will soon be joining the club. Almost 37 years in my field and almost 32 years at my present employer. Notified them this past week that I will be leaving mid October. It also gives me some time to train my replacement . I don't know if it was providence or coincidence but I will be c...
by Miriam2
Wed Aug 30, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2393

Re: Evaluating risk of flooding in the "new normal"

Last August 2016, forum member Ofcmetz posted this in a new thread after he battled (and worked in) serious flooding in Louisiana. I feel sorry that he is now going through this again with Tropical Storm Harvey :( I don't have flood insurance and my house didn't flood last weekend, but you can bet I...
by Miriam2
Tue Aug 22, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14546

Re: How far would you travel to see The Eclipse?

A lot of the most interesting effects, it turns out, aren't captured by photography. - About 5 minutes before totality we were looking around all feeling strange, and realized our brains could not compute the drop in light levels with it being a sunny mid-day. Everything looked strange and washed o...
by Miriam2
Tue Aug 22, 2017 2:11 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14546

Re: How far would you travel to see The Eclipse?

We got lucky and had nice clear skies in eastern Tennessee. Definitely worth the drive and overnight stay to see this interesting event. We even saw a big group of birds go crazy and fly directly overhead when totality hit (photo here if anyone is interested: https://www.liteadventurer.com/great-am...
by Miriam2
Mon Aug 21, 2017 2:37 am
Forum: Investing - Help with Personal Investments
Topic: 32yo Australian - New Investor Seeking Advice
Replies: 5
Views: 598

Re: 32yo Australian - New Investor Seeking Advice

Our Boglehead wiki has this article on Australian investing: Investing in Australia

And here are some posts on Australian investing - you can pull up more via our search engine.

Australian investing
Australian-Please help me with my first portfolio
New Australian investing feeling very alone
by Miriam2
Mon Aug 21, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Non-Retirement Portfolio Help
Replies: 13
Views: 1254

Re: Seeking Non-Retirement Portfolio Help

. . . it's clear I still have a LOT to learn. I intentionally left out my retirement accounts for a couple reasons, both of which now seem foolish. First off, my retirement assets are a bit of a mess at the moment, something I am also currently working on getting under control . . . Nothing foolish...
by Miriam2
Mon Aug 21, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Other financial sites worth reading
Replies: 14
Views: 2955

Re: Other financial sites worth reading

For questions & information on taxes - www.fairmark.com
by Miriam2
Fri Aug 18, 2017 9:53 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

... here is how I get rid of that date and time and day and minute clutter :annoyed : When I am quoting to create a post, in the "post a reply" window, delete everything between the last letter of the quoted person's name to that line's closing bracket. Please consider not doing this, Miriam. Leavi...
by Miriam2
Fri Aug 18, 2017 2:09 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

Is there a way for users to change the notification icon from red to something else? Likewise with the red page icons that show up next to some threads? The blue theme of Bogleheads is relaxing and conducive to good thought. The red is alarming. Agreed. I find the whole update makes the forum somew...
by Miriam2
Thu Aug 17, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion 5yr Holding Period?
Replies: 20
Views: 1906

Re: Roth Conversion 5yr Holding Period?

kaneohe wrote:just for completeness so others don't get the wrong idea, here's a nice summary of the Roth withdrawal rules by kawill of the fairmark.com site...
Kaneohe, you're the greatest 8-) Very helpful list, thank you for posting.
by Miriam2
Thu Aug 17, 2017 10:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 21
Views: 3135

Re: Roll Call for the Retirement Class of 2018!

I may be an imposter retiree. I will be retiring from the military effective October 1, 2018. They beauty of it is that with the amount of vacation time I have saved I will start transitioning the beginning of July and stop working by the middle of July. Although I know this is a certainty I am not...
by Miriam2
Thu Aug 17, 2017 8:07 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

I don't use HTML codes (remember, I'm a troglodyte :mrgreen: ) How could HTML sneak into my BH forum posts? This appears to be a problem with the new BBCode engine in phpBB 3.2.x, as I can reproduce it on multiple forums that I know are running phpBB 3.2.x. The issue has been raised on the phpBB su...
by Miriam2
Thu Aug 17, 2017 7:52 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

I "save draft" what I write regularly (if it's long) to avoid losing it. I write long posts and if I'm researching at the same time I also can take a very long time to write a post. I don't use save draft most of the time. I use "preview" a lot and that works for me. For example, if I want to leave...
by Miriam2
Wed Aug 16, 2017 11:33 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

Thank you - are you also getting the HTML tags when you use "view/edit"? (and yes, I use the "view/edit" window to edit my longer posts, then load the draft) Yes I am getting HTML tags when using "view/edit" to see a draft. And I just noticed that while "load draft" does allow one to re-save a draf...
by Miriam2
Wed Aug 16, 2017 10:44 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

A workaround is to choose "load draft" instead of "view/edit". "View/edit" does seem broken and is inserting the html tags. There is no need to use "view/edit" anyway. All it does is allow you to change the draft. "load draft" will bring up your draft (correctly without html tags) and allow you to ...
by Miriam2
Wed Aug 16, 2017 10:37 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

<r><QUOTE author="Miriam2" post_id="3495797" time="1502940859" user_id="57949"><s> </s> <QUOTE author="Mudpuppy" post_id="3495784" time="1502940282" user_id="29475"><s> </s> <QUOTE author="Miriam2" post_id="3495748" time="1502937573" user_id="57949"><s> </s> I don't use HTML codes (remember, I'm a t...
by Miriam2
Wed Aug 16, 2017 10:34 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

I don't use HTML codes (remember, I'm a troglodyte :mrgreen: ) How could HTML sneak into my BH forum posts? BBCode is just a wrapper around HTML code. These were probably BBCode tags in the post that you had saved as a draft. It sounds like the following is happening when you save a draft: rather t...
by Miriam2
Wed Aug 16, 2017 9:39 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

Those are HTML characters, which I recognize - but the forum software does not. :) The only way I can see this happening is that you are typing a post inside a word processor (like MS Word) and formatting the characters inside the document. Then, copy-n-pasting the content literally inside a forum ...
by Miriam2
Wed Aug 16, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 7076

Re: Is $9000 too much for a sectional sofa ?

JBTX wrote:The lines are pretty sharp and it's not at all the "puffy bubba" types seen in the SNL skit.
Did you ask your kids? They would probably prefer the "puffy bubba" type seen in the SNL skit 8-)
by Miriam2
Wed Aug 16, 2017 4:25 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

<r>This is new since the last upgrade - I cannot create and post a reply without other coding-type characters appearing in my "post a reply" window, and these characters carry over to the "preview" pane and into the "post." If I delete the characters, they come back.<br/> <br/> Here is an example. I...
by Miriam2
Wed Aug 16, 2017 4:25 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 58609

Re: Forum software upgrade bug reports and change requests

This is new since the last upgrade - I cannot create and post a reply without other coding-type characters appearing in my "post a reply" window, and these characters carry over to the "preview" pane and into the "post." If I delete the characters, they come back. Here is an example. I copied this f...
by Miriam2
Tue Aug 15, 2017 8:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 214
Views: 28163

Re: Roll Call for the Retirement Class of 2017!

I will be retired from the US army after 21 years of service. It has been a wonderful and challenging time. But it is time to hang it up. My last day will be sometime in December. I do not know what the future holds, but I am optimistic. Thank you Bogleheads for helping to prepare me and my DW for ...
by Miriam2
Tue Aug 15, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 7076

Re: Is $9000 too much for a sectional sofa ?

1. Is this your forever home? I ask because sectional sofa's often are very specific for the space. You spend $9K, move in 5 years and it's likely this sectional won't fit right in your next home. . . Sectionals tend to be something that while sometimes extremely functional, are probably not the to...
by Miriam2
Tue Aug 15, 2017 3:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 21
Views: 3135

Re: Roll Call for the Retirement Class of 2018!

My wife is already retired. I'm targeting April 30, 2018 as my retirement date. I might move it up if I'm offered cash to leave earlier . I doubt I'd move it back. I'd like to contribute the maximum $24,000 to my Roth TSP account plus $13,000 to our Roth IRAs before I retire. If those limits are in...
by Miriam2
Tue Aug 15, 2017 3:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 21
Views: 3135

Re: Roll Call for the Retirement Class of 2018!

I am retiring January 2018. . . . We look forward to travel to National Parks in our camper van, with no deadline for returning home, more time for cross country skiing, gardening and reading all the books I didn't have time for when working. You'll probably be one of our first retirees for this Ve...
by Miriam2
Tue Aug 15, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2669

Re: When stocks drop, which bond funds usually do best and worst?

Is the DFA Intermediate Government Fixed Income I Fund (DFIGX) such an Intermediate Treasury fund? Yes, mostly. With an average duration of 6 years it’s definitely an intermediate-term bond fund, and it’s invested 90% in U.S. Government bonds. It appears to have some leeway to invest beyond just Tr...
by Miriam2
Tue Aug 15, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2669

Re: When stocks drop, which bond funds usually do best and worst?

Looking at the market meltdown during the 2008-09 Financial Crisis, all durations of Vanguard Treasury Funds performed well . . . All in all, Intermediate Treasuries provided a good combination of stability and return through this market crash. Intermediate treasuries are a very good combination, e...
by Miriam2
Sun Aug 13, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 17407

Re: Best place (with warm weather) to raise children

Thank you for your input, what are the best neighborhoods in St. Augustine area (safety, friendly welcoming neighbors, distance to beaches, etc.), what's the average rent for 1 bedroom? Home prices? I've heard Jacksonville is not very safe nor friendly, is it true? How does that affect St. Augustin...
by Miriam2
Sat Aug 12, 2017 2:10 am
Forum: Local Chapters and Bogleheads Community
Topic: Calling all JACKSONVILLE FLORIDA Bogleheads (Northeast Florida)
Replies: 2
Views: 440

Re: Calling all JACKSONVILLE FLORIDA Bogleheads (Northeast Florida)

Please contact me and I plan on setting up the first meeting right after labor day. Looking forward to getting the group moving! I've always been curious what the discussions are like at chapter meetings. Do we all discuss holding TSM for 30 years and dismiss after 10 minutes or are they domestic v...