Search found 1586 matches

by Miriam2
Fri Jul 21, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index
Replies: 115
Views: 9337

Re: Vanguard Total Stock Market Index

I was looking at funds and technically since it is diverse in stocks would it be a reasonably safe fund to invest agressively for the next 30+ years? Hi Carguy1993! Is your question being answered? The discussion has become very detailed and gone off into more advanced financial stuff that many of ...
by Miriam2
Fri Jul 21, 2017 12:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 222
Views: 35823

Re: South Florida Local Chapter

midareff wrote:SHOUT!

Thanks midareff, you're on the list :D (Please bring stories of Alaska 8-)
by Miriam2
Fri Jul 21, 2017 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Newbie and New Parent: Help w/ Retirement and 529
Replies: 27
Views: 1891

Re: Newbie and New Parent: Help w/ Retirement and 529

AndyFromPennsylvania wrote:As I am new to the acronyms, I am assuming OP means Original Post?

There is a list of abbreviations and acronyms in our wiki.

Also, our wiki has an index for articles that may help you.
by Miriam2
Thu Jul 20, 2017 3:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 222
Views: 35823

Re: South Florida Local Chapter

We have 36 Bogleheads coming to our next local chapter meeting, including 9 brand-newbies - welcome! Yes Mr. Dogg and Kitty (no pun :happy ) I have you both on the list. For those who have responded via our South Florida gmail, I should have replied to you confirming we received your gmail. If you h...
by Miriam2
Wed Jul 19, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: TRowe Price 401k options for a newbie
Replies: 7
Views: 272

Re: TRowe Price 401k options for a newbie

To create a 3-fund portfolio with T. Rowe Price, here is information from our wiki: https://www.bogleheads.org/wiki/T._Rowe_Price https://www.bogleheads.org/wiki/Three-fund_portfolio "The firm offers five broadly based index funds, outlined in the table below. T.Rowe Price investors can create ...
by Miriam2
Mon Jul 17, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index
Replies: 115
Views: 9337

Re: Vanguard Total Stock Market Index

Yes that is what I mean though I'd also include international value in the core of the mix. Large cap growth (or funds heavily weighted towards it like TSM) is fine as a diversifier but shouldn't be the core. I don't understand. You would have TSM as the core fund and build others around it? Or you...
by Miriam2
Mon Jul 17, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index
Replies: 115
Views: 9337

Re: Vanguard Total Stock Market Index

If our accounts are at Vanguard and our 401k's are with T. Rowe Price, what would be "a safe fund to invest aggressively in as our core stock holding for 30+ years"?? Do you mean funds like Windsor II, Primecap, Capital Appreciation? The OP is interested in Vanguard. Vanguard has lots of ...
by Miriam2
Sat Jul 15, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index
Replies: 115
Views: 9337

Re: Vanguard Total Stock Market Index

There are strategies far safer with much better possibility for long term return than TSM. So my answer to your question is in short: no. TSM is not a safe fund to invest aggressively in as your core stock holding for 30+ years. If our accounts are at Vanguard and our 401k's are with T. Rowe Price,...
by Miriam2
Sat Jul 15, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6194

Re: Please explain how Medicare Billing works?

Seriously? If no one hears from me for a few days and then they find me dead, will my estate have to pay for the autopsy to determine cause of death. What if my relatives don't want an autopsy but the state suspects foul play and they decide an autopsy is necessary. If the state suspects foul play,...
by Miriam2
Sat Jul 15, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6194

Re: Please explain how Medicare Billing works?

So the saga continues . . . No more doctor visits this year!!!! Maybe if I die, they will take my corpse to determine cause of death. No Lynette, sorry, but you'll have to pay for your own autopsy - Medicare stopped paying directly for autopsies in 1986. Post-death body examination to determine cau...
by Miriam2
Sat Jul 15, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 15
Views: 1463

Re: Can American Funds be worth the load?

I've shared in the past that my two oldest investments, both from American Funds, outperformed Vanguard's 500 index from 1991-2016, the relevant time period for me. They've also returned double what the 500 has so far this year. When I figured that up before, I ran the numbers with the highest sale...
by Miriam2
Sat Jul 15, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 94
Views: 4578

Re: What advice to give 21 year old?

Here is some great reading on investing for young people, maybe over time he'll read them :happy "If You Can: How Millennials Can Get Rich Slowly" by Bill Bernstein [Boglehead Bill Bernstein] http://www.etf.com/docs/IfYouCan "If I Knew Then What I Know Now" by Michael LeBoeuf [Bo...
by Miriam2
Sat Jul 15, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6223

Re: anyone retire and move to a planned community in FL?

I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be...
by Miriam2
Sat Jul 15, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 1968

Re: Time to dump State Farm agent?

Our son recently bought a home in our same state, got offers for Umbrella coverage, home and two automobiles, the coverage we have. We have been with State Farm more than 35 years, and his quotes are approximately $800 less per year for the total for the same coverage. There is a term for it, but c...
by Miriam2
Sat Jul 15, 2017 12:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

So I am struggling to push myself off the edge and diving into the swimming pool of 2017 retirement. . . . Let us know if you take the plunge and we will add you to this Very Prestigious Retirement Roll Call 8-) Every retirement planning calculator I have used states we are in very good financial s...
by Miriam2
Sat Jul 15, 2017 11:50 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 222
Views: 35823

Re: South Florida Local Chapter

We received a gmail from a new Boglehead who asked if the Taylor bringing the sub sandwiches to our next meeting is the same Taylor who wrote the Bogleheads' books and posts as Taylor Larimore? and if so, would Mr. Larimore be willing to autograph his Bogleheads books? Yes and yes and yes :D There i...
by Miriam2
Sat Jul 15, 2017 3:15 am
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 94
Views: 4578

Re: What advice to give 21 year old?

chinto wrote:I think the definitive answer was given in 1896 by a Shropshire Lad: Alfred Edward Housman in the form of a poem entitled: When I was One and Twenty. . . . Enjoy...

Very nice poem Chinto, thanks for sharing :happy
by Miriam2
Sat Jul 15, 2017 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 1968

Re: Time to dump State Farm agent?

Ripe mangoes are heavenly :happy

Here's a long thread on State Farm and insurance overcharging Long Time Insurance Customers get Overcharged
by Miriam2
Fri Jul 14, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: 20 Year old Australian Needing help with Investments
Replies: 3
Views: 244

Re: 20 Year old Australian Needing help with Investments

Our wiki has an article about Australia investing https://www.bogleheads.org/wiki/Investing_in_Australia Here are some Boglehead forum threads about investing in Australia - you're not the only one down there 8-) Australian investing Investing from Australia Australia - Please help me with my first ...
by Miriam2
Thu Jul 13, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: A.B.L.E. account for educational expenses instead of 529?
Replies: 4
Views: 386

Re: A.B.L.E. account for educational expenses instead of 529?

thanks for your responses. I don't think I would have found it in the wiki unless I looked under 529.No where on my state's website does it even say anything about 529. I think our wiki titled it "529-ABLE_plan" because the ABLE act is created within the 529 plans under the IRS code: The ...
by Miriam2
Thu Jul 13, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: portfolio growth - compounding vs savings
Replies: 15
Views: 1553

Re: portfolio growth - compounding vs savings

I'm relatively early in the accumulation phase following basically indexing/bogleheads approach and was just wondering around what number did people notice that their portfolio was growing more from compounding/returns rather than brute savings? Currently saving between 20-25% of gross. I do see th...
by Miriam2
Thu Jul 13, 2017 11:41 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

I'm 62 and planning to retire at the end of 2017. After that, I plan to realize my dream of becoming an unemployed musician! :happy Welcome to the class SHL and congratulations on becoming unemployed :shock: :shock: !! Most musicians I know have a dream of being an employed musician :mrgreen: Let u...
by Miriam2
Wed Jul 12, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: "Top 5 posts of all times"
Replies: 17
Views: 4165

Re: "Top 5 posts of all times"

It would be an honor to obtain an autographed copy of whatever you have in store. :sharebeer :sharebeer Big Dog - our next South Florida local chapter meeting is on Sunday, July 30, 2017, from 12 noon to 2:00 pm in Hollywood, Florida 8-) viewtopic.php?f=9&t=64383&start=200#p3406498 Pardon m...
by Miriam2
Wed Jul 12, 2017 10:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 375
Views: 188710

Re: Suggestions for the Wiki

Found typo - missing "s" - in first paragraph of https://www.bogleheads.org/wiki/Expense_ratios

"The fund's expense ratio is taken out of the fund's assets and lowers its return to investors."
by Miriam2
Wed Jul 12, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: A.B.L.E. account for educational expenses instead of 529?
Replies: 4
Views: 386

Re: A.B.L.E. account for educational expenses instead of 529?

Here is our wiki article on ABLE plans. Perhaps it should be titled differently.

https://www.bogleheads.org/wiki/529-ABLE_plan
by Miriam2
Mon Jul 10, 2017 5:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

Theseus wrote:I have always been wanting to brew my own Belgian Triple. And I know nothing about brewing. That is among many things I like to do :sharebeer

Sounds delicious with beef sous vide :beer
by Miriam2
Sun Jul 09, 2017 5:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

As of yesterday at 1:48 PM, I am done at the age of 50. Sold my business, transaction done yesterday and I will take next couple of years t figure out what will I do next. But happy to say I am "retired" from my old profession and don't think I will have to work for money any more. :share...
by Miriam2
Sun Jul 09, 2017 5:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 222
Views: 35823

Re: South Florida Local Chapter

I tried to RSVP to the gmail.com address and it got kicked back. I don't know if my PM made it through or not, so I'm going to RSVP here, as well. My husband and I are looking forward to attending. Thanks! Sorry macaroon :annoyed I sent you a PM. You're on the list! If anyone else receives a gmail....
by Miriam2
Sun Jul 09, 2017 2:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 222
Views: 35823

Re: South Florida Local Chapter

I'm moving back home to Fort Lauderdale (born and raised) and plan to be arriving sometime that weekend. If I'm down in time I'll try to attend. Otherwise I look forward to the next meeting. :D Welcome back to South Florida! Our meeting location in Hollywood is only 20 minutes from Ft. Lauderdale. ...
by Miriam2
Sat Jul 08, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: William Bernstein "If You Can"
Replies: 2
Views: 1041

Re: William Bernstein "If You Can"

This earlier thread on "If You Can" and GenX'ers may be helpful.

viewtopic.php?f=10&t=209040
by Miriam2
Sat Jul 08, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: How are you a leader in personal finance?
Replies: 29
Views: 3128

Re: How are you a leader in personal finance?

Jeff M. formed the MN Bogleheads group and kept it going unassisted for a number of years. As he has stepped back a bit, a few of us, myself included, have stepped forward as a steering committee to continue his legacy. Leadership also involves taking responsibility and there are a half dozen Minne...
by Miriam2
Sat Jul 08, 2017 11:17 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 222
Views: 35823

Re: South Florida Local Chapter

Bumping for visibility :happy
by Miriam2
Sat Jul 08, 2017 9:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

. . . that is what I was referring to with "what you really really want to do". Yes, and TimeLord, you may not be able to intellectually figure this out, you may have to just experiment with different possibilities. The different things that work may not actually make the most intellectua...
by Miriam2
Sat Jul 08, 2017 9:30 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

3) focus on what you really really want to do once retired and realize that each month you delay retiring is one month less you'll be able to do what you really really want to do :happy [b] . . . On the other hand I realize I can't just do trips 24x7x365 in retirement either physically or financial...
by Miriam2
Fri Jul 07, 2017 8:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

I was off by 7%. It was actually 63%. We lived off my wife's salary and 100% of my salary was invested. We only spend 20k to 25k a year . It's easy when you're completely debt free. We're normal peeps. We just don't take super exotic vacations . Neat idea, the live on one salary & save the rest...
by Miriam2
Fri Jul 07, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10027

Re: Last 80 minutes of my career

After having W2 income for the past 49 years and since the age of 15, my exit interview with my current employer is 80 minutes from now. I think this was the last stop on my career and my swan song. "W2 income for the past 49 years and since the age of 15" - that's really quite extraordin...
by Miriam2
Fri Jul 07, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track, or just crazy...
Replies: 38
Views: 5682

Re: Am I on track, or just crazy...

Know your risks 8-) We had friends who gave up professional jobs about 20 years ago and cruised the Caribbean in their big sail boat for a year, along with another couple in another boat. One day in the Bahamas or Abaco, while docked or moored near shore, lighting struck the mast of their friend's s...
by Miriam2
Fri Jul 07, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 5083

Re: Paid off the Mortgage!

Remember, to family and friends -->> "mmrmwmwrhm" (lips sealed :D
Or you may find relatives you never knew existed on your doorstep, carpet bag in hand, cat under arms, parrot on shoulder . . . :wink:
by Miriam2
Fri Jul 07, 2017 4:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

Retired from the full time rat race January 2017 at the age of 41. I was a Systems Engineer for 15 years which was very stressful. We saved about 70% of our income. I work part time sales to keep me engaged. The rest of the time I play. My wife is still working full time for the insurance. Once we ...
by Miriam2
Fri Jul 07, 2017 3:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

My retirement date is July 31, 2017. I am already in phased retirement and am enjoying some of the benefits. Welcome to the class! Coming up soon is the BIG DAY when your phase-out retirement becomes really-retirement and you can enjoy all the benefits of your many years of toil in the trenches :ha...
by Miriam2
Tue Jul 04, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6194

Re: Please explain how Medicare Billing works?

Yesterday I cut down a tree with a chainsaw and then lugged 40 bags of soils and mulch from Home Depot to cover that area. So I'm fortunate at 73 to still be in really good health. Lynette, I remember distinctly that in another thread - where you were again climbing tall trees to chop them down wit...
by Miriam2
Tue Jul 04, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle Strikes Back!"
Replies: 3
Views: 1746

Re: "Jack Bogle Strikes Back!"

Thank you for the article Taylor! The article calls Jack Bogle the "founding father of the index-fund revolution"! then says: Something a bit different for this column's July 4 installment: comments from Jack Bogle, the founding father of the index-fund revolution. (If that Independence Da...
by Miriam2
Tue Jul 04, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: Wellington vs Wellington Admiral shares
Replies: 12
Views: 1910

Re: Wellington vs Wellington Admiral shares

To give you an idea of how they compare for the 15 years data I happen to have on hand from Yahoo. . . . Very interesting jimb, thanks for warming up the spread sheet :happy Would it be safe to say that over the long haul, the bonds in Wellington don't seem to drag it down or lower its total return...
by Miriam2
Sun Jul 02, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Grandson's request for advice
Replies: 37
Views: 3492

Re: Grandson's request for advice

arcticpineapplecorp. wrote:What did he have to do to get a {Boy Scout} "Finance Badge"?

In order to achieve Eagle Scout rank, this is one of the required merit badges.

https://meritbadge.org/wiki/index.php/P ... Management
by Miriam2
Sun Jul 02, 2017 8:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

We've been working our way mentally & financially toward the goal of retirement @ 60 & 61 in 2017 / 2018. Having moved 300 miles from our families 15 years ago as a part of a job move, we knew that selling the stick n bricks would be an element of our plan so, with the housing market at a b...
by Miriam2
Sun Jul 02, 2017 5:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 7
Views: 1025

Re: Roll Call for the Retirement Class of 2018!

I could not find a Class of 2018 post so I guess I am the first to officially hit the “R” button for 2018. Thank you NCPE for starting this very important roll call for the Class of 2018 :D :D And congratulations on hitting the "R" button! I have run the numbers through all the online cal...
by Miriam2
Sun Jul 02, 2017 4:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 7
Views: 1025

Re: Roll Call for the Retirement Class of 2018!

The Roll Call for the Retirement Class of 2018 is now open. Now we have FIVE conversations on the "Retirement Series." . . . Good luck to the Retirement Class of 2018. Thanks for reading. p.s. Alumnus, Retirement Class of 2014 cfs!! You're back from another retirement adventure! All is we...
by Miriam2
Sun Jul 02, 2017 12:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 222
Views: 35823

Re: South Florida Local Chapter

We have a nice group of 26 South Florida Bogleheads for our next meeting, including quite a few brand-newbies - welcome! :D Sunday July 30, 2017 - 12 noon - 2:00 pm Stirling Road Branch, Broward County Library 3151 Stirling Road, Hollywood, Fla. We have room for 60-65, see up-thread for complete det...
by Miriam2
Sun Jul 02, 2017 12:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

:D :D "There's one thing I've always wanted to do before I quit. Retire." (Groucho Marx in "Animal Crackers") The Roll Call is happy to announce that the Roll Call for the Retirement Class of 2018 is now open. Roll Call for the Retirement Class of 2018 Thank you NCPE for starting...
by Miriam2
Fri Jun 30, 2017 3:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 189
Views: 22400

Re: Roll Call for the Retirement Class of 2017!

First post. Not likely to be the last! Got to start somewhere. I also plan to retire this year, when I get to 67. Basically terrified. Been in the IT industry since college. Enough already. Was once wisely advised to not retire from something, but to retire to something. But the "from" ta...

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