Search found 1730 matches

by Miriam2
Thu Nov 16, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 38
Views: 2548

Re: Favorite Holiday Recipes

This is the most delicious Sweet Potato Casserole/Pudding in the universe :D My spouse made this today to try out before the holiday. It is our new favorite and we will be making it for Thanksgiving and Christmas dinners this year. I am sure it will become our tradition! Thank you! So happy your fa...
by Miriam2
Thu Nov 16, 2017 9:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 251
Views: 33760

Re: Roll Call for the Retirement Class of 2017!

Sandman62 gave us his retirement plan 8-) More of a "loose plan" than an agenda, but here goes: More social time with parents and other retired relatives and friends (though the list of retired friends will take a few years to catch up, seeing I'm only 55) Weekly golf with my 80-year old dad and his...
by Miriam2
Thu Nov 16, 2017 9:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 251
Views: 33760

Re: Roll Call for the Retirement Class of 2017!

This is my first post in many moons, I have become an active member of The Bogleheads' Silent Majority. . . . . A word to the wise, in retirement you MUST stay mentally and physically active. Many thanks, cfs, for checking in with us and offering your many words to the wise and your links to early ...
by Miriam2
Thu Nov 16, 2017 6:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 251
Views: 33760

Re: Roll Call for the Retirement Class of 2017!

Another update. My last day at megacorp was 1st September. Whoo-hoo. Congratulations on punching OUT of megacorp :D It must have quite a culture shock to spend your days in Real Life 8-) Now six weeks in and just treating life like a series of back-to-back weekends. I've decided to chill until the ...
by Miriam2
Thu Nov 16, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 31
Views: 2780

Re: Holding VTSAX only

In addition, I would suggest no one should be without 20% in bonds. The impact on portfolio volatility is significant, and the additional return lost is relatively small. At least based on all historical evidence. If you want to be 100% stocks, TSM is a fine choice . . . Have you ever experienced a...
by Miriam2
Wed Nov 15, 2017 8:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 251
Views: 33760

Re: Roll Call for the Retirement Class of 2017!

Gave notice one month ago. Today I start what will probably be my last month. Only reason to stay longer is if my replacement is not ready to take over on Dec. 1. Looking forward to a different pace. Congratulations and welcome to the class! Regarding your replacement - they will not be ready to ta...
by Miriam2
Wed Nov 15, 2017 8:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: BH recent Membership [BogleHead]
Replies: 15
Views: 1301

Re: BH recent Membership

Are there comparable figures on Boglehead dropouts? For instance, how many forum members have not posted within the last year or two? I assume it is possible to delete your account, but that most people just become inactive instead? I am not exactly sure what that I expect to learn, but feel a need...
by Miriam2
Wed Nov 15, 2017 7:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 251
Views: 33760

Re: Roll Call for the Retirement Class of 2017!

I retired as of 9/1 (just found this thread). I'll be 62 in November and had intended to work for another 3 years but a situation at work made retiring a better option than staying (or trying to stay). I looked at my financial situation and fortunately retirement was an option that we could afford ...
by Miriam2
Wed Nov 15, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Regrets after reaching retirement?
Replies: 42
Views: 4145

Re: Regrets after reaching retirement?

. . . . "Regrets after reaching retirement?" After retiring, I never had any regrets about anything in my life and I have none today, 19 years after retiring. You shouldn't either. Live your life well for you and your family. If you work too much, 50 years from now no one will remember how much you...
by Miriam2
Wed Nov 15, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 38
Views: 2548

Re: Favorite Holiday Recipes

This is the most delicious Sweet Potato Casserole/Pudding in the universe :D SWEET POTATO PUDDING - (serves 15) 2-9x12 baking pans or 2-2 qt casseroles Pudding = 9 med sweet potatoes - peeled & chunked 1/2 stick (4 Tbs or 1/4 cup) butter - cut up 2+1/2 Tbs vanilla 2+1/2 Tbs maple syrup 1+1/2 tsp cin...
by Miriam2
Tue Nov 14, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 91
Views: 14525

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

Thanks again, Miriam2. The hat arrived within a few days of calling. I also asked if there was somewhere I could see the different items (online). They said not at this time, but might have a site up in the future. I'm happy you received your Vanguard hat, Arctic! Wear it with pride 8-) Perhaps you...
by Miriam2
Tue Nov 14, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Rapidly pay down student loans prior to house?
Replies: 24
Views: 1436

Re: Rapidly pay down student loans prior to house?

Olemiss540 wrote: Keep in mind that the recent bull run has led people to increase leverage with decreased fear of market downturns.
This - I fear - is spot on :shock:
by Miriam2
Tue Nov 14, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 7932

Re: $23k credit card emergency

raamakoti wrote: Now I have zero debt, credit score back to 790 and total revolving credit of $35k and most of them are cashback cards.
- - - plus I bet you still have your friendship with your friend - thanks for sharing your story, raamakoti :happy
by Miriam2
Fri Nov 10, 2017 3:45 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 7932

Re: $23k credit card emergency

I want to live the life I envisioned for myself growing up and pursue a few goals (MBA, travel, spoil my immigrant mother, save for home, etc) while I am still single with no SO or kids. Sidebar: I feel like nobody would want to seriously date a loser with so much CC debt anyways :( I am confident ...
by Miriam2
Fri Nov 10, 2017 3:21 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 7932

Re: $23k credit card emergency

I try to limit my happy hour / bar hopping related events to 1x a month (but in October it skyrocketed). Ooohh - take the reins now, ursula, and keep a tight hold - looks what's coming down the road: Thanksgiving!! and the December holidays!! Office parties !! Extra time for snuggling up in a warm ...
by Miriam2
Wed Nov 08, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: How can I get my kids into Vanguard Primecap
Replies: 12
Views: 1556

Re: How can I get my kids into Vanguard Primecap

I have Primecap shares in a taxable account and in a Sep Ira. Is it possible to gift some shares to my adult children and thus enable them to purchase additional shares? I convinced one to start investing in VG health fund last year, in addition to whatever his company has setup for a 401k. The oth...
by Miriam2
Tue Nov 07, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: What to do if a money market fund breaks the buck?
Replies: 29
Views: 2867

Re: What to do if a money market fund breaks the buck?

The only way to avoid such a forced and disorderly liquidation is to freeze the fund, realize the assets, and pay out equally in proportion to holdings. This is what the Reserve Fund liquidation papers said. They would pay us each distribution as a certain percentage of the shares held. The existen...
by Miriam2
Mon Nov 06, 2017 8:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 255
Views: 42186

Re: South Florida Local Chapter

Another reminder that our next South Florida local chapter meeting is set for Sunday, January 21, 2018, from 12 noon to 2:00 pm , at the Stirling Road Branch, Broward County Library, in Hollywood, Florida. Location - Stirling Road Branch, Broward County Library Large conference room 3151 Stirling Ro...
by Miriam2
Mon Nov 06, 2017 8:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 255
Views: 42186

Re: South Florida Local Chapter

Are snowbirds welcome at the meeting? I am in fort Myers in January and I know its a drive but I would like to meet some fellow bogleheads. Of course snowbirds are welcome :happy We would love to have you join our meeting. Take I-75 and you'll be here in a flash. We have another group that comes fr...
by Miriam2
Mon Nov 06, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: What to do if a money market fund breaks the buck?
Replies: 29
Views: 2867

Re: What to do if a money market fund breaks the buck?

Most likely investors weren't given the opportunity for "money today" because the SEC didn't know how much the "money today" would be. The SEC needed time to investigate what happened with the Reserve Funds and the Reserve Company. But wasn't the NAV known? I suppose it was "known" because it was w...
by Miriam2
Mon Nov 06, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: What to do if a money market fund breaks the buck?
Replies: 29
Views: 2867

Re: What to do if a money market fund breaks the buck?

I also had money in reserve yield...still can't believe it took 8 years to settle. TD Ameritrade was selling(and pushing IMO) the fund as a safe settlement type of fund. I will never deal with them again. Yes, same here, that's exactly what happened at TDAmeritrade. I sold stock I held at TDAmeritr...
by Miriam2
Mon Nov 06, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: What to do if a money market fund breaks the buck?
Replies: 29
Views: 2867

Re: What to do if a money market fund breaks the buck?

So to answer your question, yes we could sell and take some type of loss ==>> in 2010, then again in 2016. But we are selling on their defreezing schedule, not our schedule. To me, $.97 today is worth more than $.99 paid gradually over 8 years. Could the medicine be worse than the disease? I'm agha...
by Miriam2
Sun Nov 05, 2017 11:56 pm
Forum: Investing - Theory, News & General
Topic: What to do if a money market fund breaks the buck?
Replies: 29
Views: 2867

Re: What to do if a money market fund breaks the buck?

In the past, when money market funds have broken the buck, have affected investors been able to sell and take capital loss? Or have the gates and liquidity controls that appear to accompany breaking the buck precluded that? I am not sure how to answer your question, but I can tell you what happened...
by Miriam2
Sun Nov 05, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2741

Re: PRIMECAP Fund

Perhaps the easiest way to understand reinvested distributions is this: Reinvested distributions are exactly the same as if the distributions had been paid to you in cash, and you then took that cash and bought more shares. The fact that the money came from distributions is immaterial. The reinvest...
by Miriam2
Sun Nov 05, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2741

Re: PRIMECAP Fund

So what you probably mean are the cap gains and dividends that are taxes annually as they are accrued in a taxable account. And then there are the cap gains that are paid on *PROFIT ONLY* when fund (or other holdings, such as stock) is sold, which is due only on the difference between the original ...
by Miriam2
Sun Nov 05, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2741

Re: PRIMECAP Fund

Not sure what you mean by "2 species of capital gains". There really aren't, so perhaps you could clarify your question. Species 1 - the cap gains distributed yearly by the fund and which we pay taxes on yearly Species 2 - the cap gains we earn when we sell the fund, representing the amount of incr...
by Miriam2
Sun Nov 05, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2741

Re: PRIMECAP Fund

If we pay $10,000 for the fund and over the years we reinvest divs and cap gains of $2,000, the fund's cost basis is now $12,000 - and if we sell when the fund's value is $13,000, we only owe taxes on $1,000, not $3,000? Miriam, Yes, that is how it works. Since you paid your taxes on the distributi...
by Miriam2
Sun Nov 05, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2741

Re: PRIMECAP Fund

I hold some Primecap in a taxable fund. Bought it thirty years ago when I was young(er) and stupid. How tax inefficient is it? And I assume it would be a mistake to sell it with a six- figure capital gain, correct? Remember that if you reinvest dividends and CG distribution, those reinvestments rai...
by Miriam2
Sun Nov 05, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: A small inheritance, student loans, and a wedding...I want to invest.
Replies: 27
Views: 1667

Re: A small inheritance, student loans, and a wedding...I want to invest.

First off, what a site to stumble upon. I have opened up a Roth IRA with Vanguard and have been studying tremendously the past couple weeks about constructing my portfolio. Learning about Jack Bogle and the Three-Fund Portfolio has led me here; I have become a big fan. I thank you all for providing...
by Miriam2
Sat Nov 04, 2017 2:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 251
Views: 33760

Re: Roll Call for the Retirement Class of 2017!

Check back with me in November. It's November and we're checking back :wink: So far I am very pleased with my decision. As with virtually everyone here, 2017 has been an extremely rewarding year financially which has provided a great deal of financial freedom, but I still plan to continue a while l...
by Miriam2
Sat Nov 04, 2017 12:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5157

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I've been fairly good at golf all my life except for SandTraps. It's always been the worse part of my game. But I still love golf. I saw this hunched over geezer online and it fit well. Bad back and all. Like myself, Clumsily hacking through life and enjoying it where I can find it. :D I love your ...
by Miriam2
Thu Nov 02, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 14905

Re: What was the main reason you retired?

TheTimeLord wrote: What was the main reason you retired? Here are some examples of reasons I assume one would retire:

6) Forced into retirement
Job had mandatory retirement age - and I aged out :shock:
by Miriam2
Thu Nov 02, 2017 2:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 251
Views: 33760

Re: Roll Call for the Retirement Class of 2017!

Here is the updated Roll Call for the Retirement Class of 2017! ................. In perpetual perambulation :happy TheTimeLord (class of 2014/2015/2016/2017/2018 . . to infinity and beyond! . .) I truly enjoy my status on this list. Thank you. You're welcome TimeLord - quite a unique status :happy...
by Miriam2
Thu Nov 02, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning/Special Needs Trusts/Other issues
Replies: 24
Views: 1241

Re: Estate Planning/Special Needs Trusts/Other issues

We recently came across a firm, via a presentation to school district special needs parents, that specializes in special needs life planning. They have several people that do different things, but in general the main people are CFP's that heavily specialize in special needs planning. In addition, t...
by Miriam2
Wed Nov 01, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. benchmark on American Funds website?
Replies: 25
Views: 1240

Re: American Funds vs. benchmark on American Funds website?

The Vanguard website allows you to compare the returns over 1, 3, 5 and 10 years of a Vanguard fund and a long list of American Fund funds. For example, select VG’s 500 Index Adm. Select the “Compare” option and then “Add fund”. Then choose “Other fund families” and American (load). You can enter a...
by Miriam2
Wed Nov 01, 2017 2:30 am
Forum: Investing - Theory, News & General
Topic: More Bogleheads 2017 pictures
Replies: 17
Views: 2943

Re: More Bogleheads 2017 pictures

TravelforFun wrote: It's just like looking at pictures of a bunch of strangers. No names, no fun!
Ve vant to be anonymous 8-)
by Miriam2
Wed Nov 01, 2017 2:27 am
Forum: Investing - Theory, News & General
Topic: More Bogleheads 2017 pictures
Replies: 17
Views: 2943

Re: More Bogleheads 2017 pictures

Jazzman wrote: Thank you so very much, Gene. As always, a fantastic job. You were quite busy.
Yes, thanks for taking the time to take and share such nice photos!

Jazzman, nice picture of us :D
by Miriam2
Wed Nov 01, 2017 2:21 am
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5157

Re: To Avatar or not to Avatar . . how did you choose or not choose?

VA_Gent wrote: Sidebar: Is it possible to place the date a user joined on the left side by their user name?
On my screen, the avatar and user name are on the right side and the date joined is underneath the user name and posts (number of posts).
by Miriam2
Tue Oct 31, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 189
Views: 27410

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Did Rick Ferri attend? Rick Ferri spent probably 90% of his time explaining - to anyone and everyone who would listen :D - his "Education of an Index Investor" theory, sort of an investment journey from Darkness to Enlightenment, then a fall into Complexity, followed by the Great Awakening and Deep...
by Miriam2
Tue Oct 31, 2017 12:45 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 14905

Re: What was the main reason you retired?

This thread is absolutely fascinating. I'm learning a lot. I think I'm one of the odd ducks because I have no concept of "retirement" in a generic sense. I've mostly been doing what I love, making a living at it, and having so much fun I'd do it "fer free" (like Forest Gump mowing lawns). Why? I lo...
by Miriam2
Thu Oct 26, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help - 401k John hancock Fund Selection
Replies: 14
Views: 966

Re: Help - 401k John hancock Fund Selection

I don't see this fund in the OP's list. I see the "500 Index Fund 22 0.63" Second from last under growth: Growth : 500 Index Fund 22 0.63 Fidelity ContraFund 1.03 Mutual Global Discovery 61 1.34 Fundamental Large Cap Value 1 0.82 John Hancock Disciplined Value 0.87 JPMorgan MidCap Value Fund 1.25 L...
by Miriam2
Wed Oct 25, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Critical Mass
Replies: 13
Views: 2228

Re: Financial Critical Mass

Sort of a variation on "The Millionaire Next Door" by Thomas Stanley & William Danko. Sandtrap, have you read the book? :happy Yes. Enjoyed the book. Have grown up and worked with a lot of those folks. Hope it rubbed off. Think it rubbed off. :D mahalo, j :D Na'u ka hau'oli! I'll bet it rubbed off ...
by Miriam2
Wed Oct 25, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help - 401k John hancock Fund Selection
Replies: 14
Views: 966

Re: Help - 401k John hancock Fund Selection

badbreath wrote: Just do

Total Stock Market Index Fund 0.75 60%
Intl Equity Index Fund 22 0.72 20%
Fidelity Advisor Total Bond 1 0.85 20%
I don't see this fund in the OP's list. I see the "500 Index Fund 22 0.63"
by Miriam2
Wed Oct 25, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Critical Mass
Replies: 13
Views: 2228

Re: Financial Critical Mass

I recall listening to Bob Brinker many many years ago and remembered him speaking about the "Land Of Critical Mass" when it comes to finances.So true. The exact quote Critical Mass: "A state of freedom from worry and anxiety about money due to the accumulation of assets which make it possible to li...
by Miriam2
Wed Oct 25, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 4980

Re: Commission only fiduciary planner

I do not know how to break the quotes up into smaller chunks..so sorry for the long post on this one... Pdub, since you are putting together your portfolio and will likely be visiting the Boglehead forum often :D here is how to break up someone else's quote into smaller chunks - so you can answer c...
by Miriam2
Wed Oct 25, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 75
Views: 9586

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

To get Taylor to attend the 2018 Bogleheads Conference, I may have to drive down to Miami, kidnap him, tie him up and throw him in the trunk for the drive to Philly. While Taylor will take a round-the-world cruse that starts and ends in Miami (he's done a number of those), he whines like a big baby...
by Miriam2
Wed Oct 25, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Critical Mass
Replies: 13
Views: 2228

Re: Financial Critical Mass

I recall listening to Bob Brinker many many years ago and remembered him speaking about the "Land Of Critical Mass" when it comes to finances.So true. The exact quote Critical Mass: "A state of freedom from worry and anxiety about money due to the accumulation of assets which make it possible to li...
by Miriam2
Wed Oct 25, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 75
Views: 9586

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Mel Lindauer wrote: To get Taylor to attend the 2018 Bogleheads Conference, I may have to drive down to Miami, kidnap him, tie him up and throw him in the trunk for the drive to Philly.
Good idea :D The entire Miami swat team is available to help 8-)
by Miriam2
Tue Oct 24, 2017 11:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 255
Views: 42186

Re: South Florida Local Chapter

Hello Miriam2, I will not be in Florida by that meeting date, but still have an interest in meeting for lunch with some of the South Florida group as we discussed during the Bogleheads 2017 in Philadelphia. A pleasure to meet you and others at the table. Thanks for pointing out some others that I w...