Search found 1385 matches

by Miriam2
Sun Apr 23, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 9
Views: 641

Re: Baby on the way checklist

Three words: Get Sleep Now
by Miriam2
Sun Apr 23, 2017 6:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 66
Views: 7421

Re: Roll Call for the Retirement Class of 2017!

My very first post. Retiring January 31, 2017 after 40+ years in the computer industry. It was a great career to me, but I'm really looking forward to the freedom. Congratulation Lance, but OMG, 40+ years in the computer industry, why you probably have fond memories of the Eniac and the Univac :hap...
by Miriam2
Sun Apr 23, 2017 4:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 66
Views: 7421

Re: Roll Call for the Retirement Class of 2017!

On April Fools' Day i will become a gentleman of leisure. Ahh, a Gentleman of Leisure - and will you be living in Genteel Poverty? :happy I'm planning a floor-and-upside strategy in the spirit of Bodie, Milevsky, and Bobcat2. I will live no worse than Genteel Poverty to the end of my days, and prob...
by Miriam2
Sun Apr 23, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred vs Taxable Account Calculator?
Replies: 19
Views: 1023

Re: Tax Deferred vs Taxable Account Calculator?

FiveK wrote:
#Cruncher wrote:...caught up in crunching numbers
Which you do very well. A pleasure to collaborate.

I am in perpetual awe of #Cruncher and his #crunching :D
by Miriam2
Sun Apr 23, 2017 12:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 66
Views: 7421

Re: Roll Call for the Retirement Class of 2017!

Thank goodness Tax Season is over :annoyed :annoyed :annoyed Time to post the updated Roll Call for the Retirement Class of 2017. So far there are 11 graduates and the year is blossoming into spring . . . Already graduated - Congratulations!! 03 Jan - oldcomputerguy xx Jan - quantAndHold 30 Jan - To...
by Miriam2
Sat Apr 22, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: A Little History [from old bank statements]
Replies: 13
Views: 1394

Re: A Little History

Our first mortgage on a patio home in 1982 was about 16% - how on earth did we think that's what mortgages were?? But my first IRA in 1984 earned 9% :happy
by Miriam2
Sat Apr 22, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 297
Views: 26326

Re: Larry Swedroe says "Goodby."

But here's the thing: now more than ever we need people who will counter the assaults of the angry and impolite and show by their example how to respond to the slings and arrows of the lesser informed individuals. A perfect example is Taylor Larimore, a consumate gentleman as shown through his post...
by Miriam2
Thu Apr 20, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 297
Views: 26326

Re: Larry Swedroe says "Goodby."

Larry, your contributions were always thought-provoking and leading to great dialogues and discussions. I regret the personal attacks from petty-minded people. Civility, as exemplified by our founder Taylor Larimore, has always been a cornerstone of discussions in this forum. If I become hot-headed...
by Miriam2
Wed Apr 19, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 4781

Re: Tips on Uber

It looks like the Uber tipping policy has recently changed. If you google "tipping uber drivers" you'll find some new information. First, the Uber website itself says the Uber app does not include a tip, that tipping is voluntary in cash, that "If you decide you would like to tip, you...
by Miriam2
Wed Apr 19, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 4781

Re: Tips on Uber

How do you see your passenger rating? And why does it matter? I just went here to find out my rating (average 5.0 on a total of about half a dozen trips): https://help.uber.com/h/e9302f73-8625-427f-abf7-dbe7ab25af7d Thank you for this link. I went to this site and found my rating. Uber does not tel...
by Miriam2
Wed Apr 19, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 82
Views: 6180

Re: Did anything surprise you in your 2016 taxes?

Useful to read the distinction between Refundable and Non-refundable tax credits . At the least you can discuss taxes with your son now; I find it great dinner conversation with my parents / siblings. They think I am nuts. :) lol! Discussing taxes at the dinner table with the family is a sure fire ...
by Miriam2
Wed Apr 19, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 4781

Re: Tips on Uber

8foot7 wrote:taxis in Vegas are essentially a cartel of high prices and horrible service

Taxis in Miami are essentially a cartel of high prices and horrible service.
by Miriam2
Tue Apr 18, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 82
Views: 6180

Re: Did anything surprise you in your 2016 taxes?

My son fired me as his tax preparer :mrgreen: I did his taxes by hand, not difficult, then I do them with my son so he learns. The nice surprise was that since he earns only $30,000 a year but maxes his 401k and his HSA, his earned income is low, his taxable income was zero and taxes owed were zero....
by Miriam2
Sun Apr 16, 2017 4:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 17
Views: 1376

Re: Hawaii Bogleheads, where are you?

As an alternative, I'm happy to get together somewhere for coffee. I'm in Mililani too (about a mile from the Town Center) but I'll go anywhere on Oahu for a cup of coffee. In addition, I'm happy to paddle out at White Plains Beach with anyone who wants to surf (or who wants to learn to surf). I'm ...
by Miriam2
Fri Apr 14, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Which type of CCRC? [Continuing Care Retirement Community]
Replies: 17
Views: 1857

Re: Which type of CCRC?

I was searching BH for info/experiences with CCRCs, with the hope that I might find more detailed & up to date info than @ E-R.org, where I spend most of my time. As it turns out, E-R.org has better & more comprehensive info. So, I thought I'd post a good summary here for BH use. Hope it's ...
by Miriam2
Wed Apr 12, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to traditional IRA?
Replies: 14
Views: 1178

Re: Should I contribute to traditional IRA?

OP has only one TIRA. It is apparently after-tax, with possibly some earnings. It is small, so the earnings portion is presumably very small. Converting the whole thing to a Roth is not complicated. Doing backdoor Roth contributions is not complicated. His wife's situation is unequal but separate. ...
by Miriam2
Wed Apr 12, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to traditional IRA?
Replies: 14
Views: 1178

Re: Should I contribute to traditional IRA?

We presently have all at Vanguard: $7500 in my Traditional IRA $2800 in my wife's Traditional IRA $72400 in wife's rollover IRA rolled over from a previous 401k - - - - Hi rkhusky and Watty, could you please explain why I can't convert our pre-tax (rollover)/traditional IRAs to Roth? Is there somet...
by Miriam2
Mon Apr 10, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 250
Views: 35342

Re: Kotlikoff: When Should you Take Social Security?

^^^ This thread is now in the wiki: Social Security ("External links") Wiki editors are always welcome to add threads to articles. In view of the changes to Social Security since the publication of this Kotlikoff book, and of the dubious accuracy of parts of this book due to the Social Se...
by Miriam2
Sat Apr 08, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5186

Re: Help on how to spend more on myself (First World Whine)

TheTimeLord: Check out this thread . Have to help me with the relevance to my situation. The relevance to your situation is that you may have a heart attack when you least expect it and leave you with the inability to enjoy the items you would like now and have the financial ability to buy now. Pur...
by Miriam2
Sat Apr 08, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason NOT to do a backdoor Roth IRA?
Replies: 56
Views: 3872

Re: Any reason NOT to do a backdoor Roth IRA?

To be honest, I know it's very popular and common, but I don't do it because I feel like it violates the spirit of the law and I'm not convinced it's quite legal. This is the exact wording describing my feelings on the issue. I have a close relative who is a CPA and thinks it is not allowed. He rea...
by Miriam2
Sat Apr 08, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason NOT to do a backdoor Roth IRA?
Replies: 56
Views: 3872

Re: Any reason NOT to do a backdoor Roth IRA?

My tax preparer, a CPA, didn't initially understand the backdoor. He deals mostly with company tax returns, and some extremely high net worth individuals. He still does our returns because I've known him for 30 years. After initially, years ago, saying that it wouldn't work, he read up on it and no...
by Miriam2
Fri Apr 07, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5186

Re: Help on how to spend more on myself (First World Whine)

Actually Bose noise cancelling headphones are on the list but I think I know what the first item should be, Apple AirPods. Surely a $159 won't traumatize me too much. I have these (the wired ones). Worth every. Single. Cent. Seriously - they are leaps and bounds above any other noise cancelling hea...
by Miriam2
Fri Apr 07, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5186

Re: Help on how to spend more on myself (First World Whine)

TheTimeLord: Check out this thread . Yes, better yet, let's publish portions of protagonist's thread out loud: viewtopic.php?f=2&t=170562 - Priorities I'm 63. Last week I had a heart attack on the way to the airport to play music abroad. I'm 6'1" and I weigh 162. I workout regularly (rode ...
by Miriam2
Fri Apr 07, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Which 500 Fund to Invest in.
Replies: 25
Views: 2620

Re: Which 500 Fund to Invest in.

Here's how Fidelity compared to Vanguard, and how they both compared to the S&P 500 returns before any expenses. FUSEX = Fidelity 500 Index Investor (FUSEX) VFINX = VG S&P 500 Index S&P500 = Unadjusted S&P500 FUSEX: 25 yr lump sum APY= 9.005%; $10,000 lump 25 years = $86,323. DCA AP...
by Miriam2
Fri Apr 07, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: cannot login to any of my financial websites
Replies: 13
Views: 928

Re: cannot login to any of my financial websites

Ill do that but ive never had this issue before and ive been using firefox for a long time. any idea why all of a sudden this would happen? I just logged onto wells fargo to pay the mortgage bill just a week ago with no issues. My browsers go wacky regularly. Also, my Wells Fargo entry through IE, ...
by Miriam2
Fri Apr 07, 2017 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Australia - Could I get some noob advice please?
Replies: 28
Views: 1128

Re: Australia - Could I get some noob advice please?

Here are links to our Wiki and to other Boglehead threads on investing in Australia. You can pull up more by doing a word search in the upper right search box :happy wiki/Investing_in_Australia viewtopic.php?f=1&t=211536-Australia-Please help viewtopic.php?f=1&t=198193-Australia portfolio wi...
by Miriam2
Thu Apr 06, 2017 11:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 66
Views: 7421

Re: Roll Call for the Retirement Class of 2017!

I do not know if "we" qualify for entry to this class. Feel free to throw us out, if necessary. My wife and I decided to 'gradually' retire. As of a week ago she went down from full time to 90% (0.9 FTE, full time equivalent). This means she will get 23 additional vacation days/yr. I am s...
by Miriam2
Thu Apr 06, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI above Roth cutoff by $103, what to do?
Replies: 22
Views: 2152

Re: MAGI above Roth cutoff by $103, what to do?

if OP will not be eligible or expects not to be eligible for the 2017 contribution, then they should choose between 3 other options that ends the uncertainty. . . Alan S, I'm not the OP, but I've been following this thread with suspense-filled anticipation, watching you unravel this unusual case an...
by Miriam2
Thu Apr 06, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5186

Re: Help on how to spend more on myself (First World Whine)

Are you afraid (perhaps subconsciously) that when you retire you may not have enough to maintain your standard of living so that you feel guilty buying your toys now, just in case . . . No, think I would be putting it into our investment accounts if that were the case. Giving it away to charity has...
by Miriam2
Thu Apr 06, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5186

Re: Help on how to spend more on myself (First World Whine)

Are you afraid (perhaps subconsciously) that when you retire you may not have enough to maintain your standard of living so that you feel guilty buying your toys now, just in case . . .
by Miriam2
Wed Apr 05, 2017 8:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 66
Views: 7421

Re: Roll Call for the Retirement Class of 2017!

Here is the updated Roll Call for the Retirement Class of 2017. So far there are 10 graduates and the year has barely begun. Already graduated - Congratulations!! 03 Jan - oldcomputerguy xx Jan - quantAndHold 30 Jan - Tom1320 (54) 31 Jan - Lance 08 Feb - mrc 28 Feb - munemaker 01 Mar - Johnora 03 Ma...
by Miriam2
Tue Apr 04, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?
Replies: 12
Views: 750

Re: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?

We have seen this before and to my knowledge, it does not matter. There are two paths to get where you are going. One path goes through pubs 590 A and B (where you run into specific instructions to skip those lines) and the other path does not (so you don't get the instructions to skip those lines)...
by Miriam2
Tue Apr 04, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?
Replies: 12
Views: 750

Re: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?

I use the following guideline to manually enter trad IRA and backdoor roth conversion: https://thefinancebuff.com/how-to-report-backdoor-roth-in-turbotax.html +1 on this site. I could not get TT do get this right until I followed the directions on the site. Order matters. Thank you for the link. Ta...
by Miriam2
Tue Apr 04, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?
Replies: 12
Views: 750

TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?

I completed my taxes by hand, then used TurboTax to check my work. TT is not filling in Form 8606 lines 6-12, although the final figures on lines 13-15 & 16-18 appear accurate. Contrib 6,500 to tIRA in 2016 (no deduction) Convert 62,789 from tIRA to Roth in 2016 (did not convert total tIRA) Yes ...
by Miriam2
Tue Apr 04, 2017 12:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 372
Views: 56134

Re: Roll Call for the Retirement Class of 2014!

VictoriaF wrote:But I am happy. I am reliving my teenage years. Who would have thought?
Victoria

How wonderful, we're very happy for you! You certainly deserve it. Ah, perhaps an audition for SNL? :D
by Miriam2
Mon Apr 03, 2017 9:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 372
Views: 56134

Re: Roll Call for the Retirement Class of 2014!

I have just returned from a wonderful trip that most of you would be horrified of. I figured you were off on some dangerous adventure :shock: Life is exciting; caution be damned. Oh dear, what next. On the way to the supermarket I was stressed about riding with a stranger I've just met in a cheap L...
by Miriam2
Mon Apr 03, 2017 8:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 372
Views: 56134

Re: Roll Call for the Retirement Class of 2014!

Another pic (heck, you asked!). It barely fit on my landing mat... Good thing I had a monster net with me. :beer http://i.imgur.com/uaqLdiIl.jpg I can't wait for Miriam2 to see this! Victoria Wow! It's as big as a mermaid {laughing} What can I say? As I'm sure you know, retirees with a funny accent...
by Miriam2
Mon Apr 03, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- First quarter leaders
Replies: 15
Views: 1730

Re: BOGLEHEAD CONTEST -- First quarter leaders

^^^ Actually, that was the 2016 Canadian Hedge Fund contest. 2017 is looking good: 2017 Hedge Fund Contest - Financial Wisdom Forum Oh glory be, even more difficult, a Canadian hedge fund contest, last year's winner and this year's leader, and today our Lady is in third place in Taylor's famous con...
by Miriam2
Mon Apr 03, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10081

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Mel Lindauer wrote:I'm pleased to announce that we've added Jonathan Clements to the Experts Panel. Jonathan will also be signing books during the book-signing session.

Yippee!!
by Miriam2
Sat Apr 01, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retired 5 to 10 years? How has this bull changed your spending?
Replies: 13
Views: 1407

Re: Retired 5 to 10 years? How has this bull changed your spending?

I certainly hear you cheese. In our case portfolio is all disposable income as pension (+ 3% fixed annual cola) + SS pays all the monthly bills without counting what it throws in dividends and capital gains. I'm actually thinking of going to at least 4.5% WR (or higher) since it's all disposable fo...
by Miriam2
Sat Apr 01, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 11466

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I think bogleheads may underestimate the poor decision making skills and investment results of most people. I agree that for someone who would otherwise just put money in money market accounts or CDs, or would chase the latest recommendations from the crazy newsletters that show up in the mail or t...
by Miriam2
Sat Apr 01, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- First quarter leaders
Replies: 15
Views: 1730

Re: BOGLEHEAD CONTEST -- First quarter leaders

It's a tight race, as less than one point separates the top 5 leaders. Less than 5 points separate the top 16 leaders. I'm in 16th place. :) Lady Geek: Anyone in the top half (left column) is above average. You are in the top 3% !! Somehow I am not surprised. Best wishes. Taylor That's our LadyGeek...
by Miriam2
Fri Mar 31, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: independent life insurance reviews?
Replies: 2
Views: 226

Re: independent life insurance reviews?

We used James Hunt at http://www.evaluatelifeinsurance.org to evaluate our old VUL policy. We sent it to him and he was very helpful, spent over an hour with us on the phone explaining the details of the policy page by page, the pros and cons, how to decipher the insurance "code," made sug...
by Miriam2
Thu Mar 30, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 39
Views: 2649

Re: quickest or best way to learn Spanish?

My problem is verbal shyness, stumbling over my pronunciation at first out of embarrassment. Yes, just get over THAT as soon as possible, or it will hamper all your efforts! Just say what you want to say as best as possible, plow through the pronunciation shyness, just get the flow of language goin...
by Miriam2
Wed Mar 29, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Personal experience over time? [How far from retirement, time spent investing]
Replies: 31
Views: 3021

Re: Personal experience over time? [How far from retirement, time spent investing]

It just became more and more clear to me that rather than roll the dice to see if I could beat the market, it was much easier just to insure market return, invest continuously every dollar I could, and stay the course (I always had some "emergency money" that was liquid). Every piece of r...
by Miriam2
Wed Mar 29, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 11466

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

As a retired salesman, not in financial services, I've always appreciated a prospect's honesty with me. That way, neither one of us wastes the other's time. There is rarely a good reason to be rude or treat others with disrespect. :happy Very well said, how true. Common decency in all areas of life...
by Miriam2
Wed Mar 29, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Modest whole life over 70
Replies: 6
Views: 555

Re: Modest whole life over 70

I have a guaranteed universal life policy (a GUL, also called a no-lapse life policy) that does what BruDude said. I bought it about age 65 (female) from an agent I found on http://www.term4sale.com. Company is American General, yes it is expensive, $560 per month for $350,000 death benefit, but pre...
by Miriam2
Wed Mar 29, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: Personal experience over time? [How far from retirement, time spent investing]
Replies: 31
Views: 3021

Re: Personal experience over time? [How far from retirement, time spent investing]

Jack FFR1846 wrote:I am 2-3 years from retirement (already at the financially independent number but wife wouldn't believe we were financially independent if $10B dropped in our laps).

I completely understand your wife 8-)
by Miriam2
Wed Mar 29, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 55
Views: 4331

Re: Stay the course, always?

My understating is that the general recommendation here is to select a comfortable AA and stay the course. But, is there a time when you do need to adjust your AA based on what the market is doing? I am confused because I read conflicting opinions even from the Bogleheads and even heard Jack Boggle...
by Miriam2
Tue Mar 28, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 72
Views: 9214

Re: Where to buy a Vanguard hat? An Update and bad news

I know it's been a few months but I wanted to give an update. I just got off the phone with Louise a few moments ago . . . She said she's no longer selling any Vanguard merchandise. She stated she didn't have any leftover merchandise either for purchase. . . . She didn't say anyone took over the se...

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