Search found 1453 matches

by Miriam2
Sat May 27, 2017 8:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12215

Re: Roll Call for the Retirement Class of 2017!

Here is how engineers cook roast beef (note - I am quoting, I did not make this up :D ): Sous vide? Oh dear, please don't tell our intrepid Boglehead engineers, they would go bananas over this - it would dominate the forum for weeks as all our engineers tried to cook the perfect sous-vide roast bee...
by Miriam2
Sat May 27, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Second report on my bike ride from Amsterdam to Passau
Replies: 2
Views: 443

Re: Second report on my bike ride from Amsterdam to Passau

Raybo, your detailed description of your bicycle trip is delightful to read :D I took yet another wrong turn just past the village of Müllerthal and went further into the forest to a famous triple waterfall. I soon discovered my error and returned to the route through more forest. It was magical wit...
by Miriam2
Fri May 26, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 52
Views: 5274

Re: Should I drink or sell my Pappy 12 year?

Bring it, coddled and careful, to the Boglehead Conference, have a taste testing, and everyone will decide what you should have done :sharebeer
by Miriam2
Fri May 26, 2017 1:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12215

Re: Roll Call for the Retirement Class of 2017!

Does semi-retirement count? :happy I am officially done with the rat race. Employer has asked me to consult PT for a few months to help transition to new hire, which will probably do in late August- does this still count as retired? The Retirement Roll Call uses Lady Victoria's definition of "...
by Miriam2
Thu May 25, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: Market News Feeds Worth Reading?
Replies: 22
Views: 1776

Re: Market News Feeds Worth Reading?

Leo28 - in case you wonder about the abbreviations or acronyms being used, such as RBD, you can look them up in our Boglehead Wiki wiki/Abbreviations_and_Acronyms

Our wiki also has an Index and you can read about any topic any time of the day or night 8-)

ps: RBD = Really Bad Day
by Miriam2
Thu May 25, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help My Dad Retire
Replies: 21
Views: 2022

Re: Help My Dad Retire

CincyGuy wrote:I agree, my bad, I'll correct the original post. Like I said I'm don't pretend to understand social security :-)

I don't understand social security either :shock: or SSI - everything I know I learned from celia :happy
by Miriam2
Thu May 25, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help My Dad Retire
Replies: 21
Views: 2022

Re: Help My Dad Retire

SSI – Dad is also apt to take SSI now at 62 . Again, he’s worried about a potentially shorter lifespan and would rather have the income now. I can probably show him the break-even analysis , etc, but I’m not sure if I can convince him to wait. . . . I think they could survive a downturn since their...
by Miriam2
Thu May 25, 2017 2:23 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 57
Views: 5748

Re: Milestone and not peeking. . .

I have been trying to follow the no peeking rule, but today I had to check on my 401K and was surprised to see I made it to $600K. I have another $30K in my TIRA, but don't like to count that for some reason. Stemikger, you made so much money :P you'll have big RMDs. Are you thinking of converting ...
by Miriam2
Wed May 24, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help My Dad Retire
Replies: 21
Views: 2022

Re: Help My Dad Retire

Would federal or state taxes be taken out if he takes the lump sum buyout? What is the likelihood of his pension plan being restructured, what is the similar industry history of pension plan restructuring in the area? Do they have any life insurance policies? He could work a few more years but he’s ...
by Miriam2
Wed May 24, 2017 8:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12215

Re: Roll Call for the Retirement Class of 2017!

Sorry we're behind in welcoming our new class members with a personal note - there is a learning curve with this job and we are still a work in progress :wink: My first day of retirement was Jan 1, '17! Megacorp (ENGR) survivor. Age: 63.5 . . . . My 100 year old American company was purchased by Fre...
by Miriam2
Wed May 24, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 54
Views: 5082

Re: Avoiding Taxes with RMD

This previous thread "Surviving the Tax Bite of RMD Withdrawals in Retirement" may be helpful

viewtopic.php?f=10&t=156313
by Miriam2
Wed May 24, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 38
Views: 3933

Re: IRS tax letter triggered by Turbotax's 8606

I agree that the term distributions includes conversions. In addition to the instructions that you mentioned, I would note that Line 13 of the 8606 itself, which adds the non-taxable portion of conversions to the non-taxable portion of other IRA distributions is labeled "This is the nontaxable...
by Miriam2
Wed May 24, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 38
Views: 3933

Re: IRS tax letter triggered by Turbotax's 8606

TT is using the Pub 590-B worksheets to fill out some lines of the 8606, vs. following the instructions on the 8606 line by line (as Miriam2 pointed out earlier). In my "error recreation" example, TT even puts asterisks by the amounts on 13 and 15, saying that the amounts come from "...
by Miriam2
Mon May 22, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 38
Views: 3933

Re: IRS tax letter triggered by Turbotax's 8606

Don't know if this helps OP with the IRS letter, but there are two more earlier threads discussing the root of this problem or confusion (TT failing to input lines 6-12 on form 8606 for Roth conversions): The root of the confusion may be that the form 8606 instructions for lines 6-12 do not match Pu...
by Miriam2
Sat May 20, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 4986

Re: What are your priorities for retirement?

So the plan to spend most of the warm months up at the end of the road in the wild places and the cool/cold seasons back home with family. I'm planning on starting retirement at 55 so it's important to make sure I've got resources that will last possibly more than 30 years. Luckily, none of the thi...
by Miriam2
Sat May 20, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 4986

Re: What are your priorities for retirement?

I have certain priorities for my retirement, many of which are time sensitive, so it is important for me to match up resources to time frames. Do you mean how others match up their financial resources in budgeting for retirement items down the road, or physical stamina resources to do those things ...
by Miriam2
Sat May 20, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 4986

Re: What are your priorities for retirement?

Lynette wrote:I have a chain saw but decided it would be best to use my regular tree-cutting service rather than climb on a ladder with my chain saw.

Absolutely Lynette - puh-leese don't climb on any ladder to cut any trees with your chain saw :shock: :shock:
by Miriam2
Sat May 20, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 4986

Re: What are your priorities for retirement?

As I was droning on in another thread I eventually ended up where I always do. I have certain priorities for my retirement, many of which are time sensitive, so it is important for me to match up resources to time frames. Here are some of my priorities for retirement, I would enjoy hearing some fro...
by Miriam2
Fri May 19, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: First report from my bicycle tour from Amsterdam to Passau
Replies: 4
Views: 555

Re: First report from my bicycle tour from Amsterdam to Passau

Raybo, you always take such beautiful and interesting photos, are we going to have a sneak preview?? 8-)
by Miriam2
Fri May 19, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: garage door problem
Replies: 25
Views: 1422

Re: garage door problem

I asked about decapitation, but he said it's the springs that run up the sides that that's a problem with. Well THAT's certainly a relief :D but not sure I would take that risk and advice from a repairman :shock: Isn't this called something like "the joys of home ownership" or some such f...
by Miriam2
Fri May 19, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 57
Views: 5748

Re: Milestone and not peeking. . .

Way to go Stemikger!! :D
You have a nice cushion built up with your AA, guess we won't have to talk you off the cliff anymore :shock: :D
by Miriam2
Thu May 18, 2017 7:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12215

Re: Roll Call for the Retirement Class of 2017!

Duly noted everyone, added to THE LIST :D

01 Jan - MichaelM (63.5)
xx Apr - vg55
19 May - boglefannyc
07 July - bikechuck
01 Oct - STINGRAY75
15 Dec - WoodSpinner
xx Dec - dratkinson
by Miriam2
Thu May 18, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 1890

Re: How to sell a house?

ResearchMed and RudyS - ^^^ Thank you so much, what a great wiki on elder moving!
by Miriam2
Thu May 18, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 1890

Re: How to sell a house?

For helping them with the "stuff", whichever way the rest of it goes, given that some needs to be kept, you might want to find someone who helps with "elder moving". "Cleaning out" is where they usually start. They can also assist with the actual move, and help someone...
by Miriam2
Thu May 18, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 65
Views: 6752

Re: 100% VTSAX need advice

As one of the feedback, I receive from this post that Bogle is not recommending an International stock, what is another reason to buy it? You buy it in order to further diversify your portfolio. Bogle thinks this diversification is unnecessary and that US stocks will outperform or equal the rest of...
by Miriam2
Tue May 16, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 65
Views: 6752

Re: 100% VTSAX need advice

I'm ok for the VTSAX to go down 50%. I can just keep working . IF your job is still there. IF you still have the job. IF you have any job. IF you are still physically and mentally able to still work. I also have disability insurance at my current work. IF - when you become disabled - you still have...
by Miriam2
Mon May 15, 2017 7:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12215

Re: Roll Call for the Retirement Class of 2017!

I'm in, graduation day is February 8th. Great to have so many classmates! . . . Bogleheads have been essential for me. Yes, Bogleheads have been essential for many of us 8-) Did any Bogleheads help you plant your 440 trees? :mrgreen: My last day at work was in the first week of January. Not sure if...
by Miriam2
Wed May 10, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX vs VIHAX [Vanguard Total Int'l vs. Int'l High Dividend Yield]
Replies: 16
Views: 937

Re: VTIAX vs VIHAX

Do you think going 100% equities is stupid? . . . I'm currently in the Marine Corps and this whole deal was suggested to me by one of my seniors. . . . I am 25 years old and will be 100% equity until at-least my 30th birthday, per my investment planning statement (you should make one, lock yourself...
by Miriam2
Tue May 09, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks vs S&P 500
Replies: 24
Views: 2512

Re: Dividend stocks vs S&P 500

(Blue) VTSMX, Vanguard Total Stock Market Index Fund (Orange) NOBL, ProShares S&P 500 Dividend Aristocrats ETF, the real deal (Green) VDIGX, Vanguard Dividend Growth (not an index fund) (Yellow) VDAIX, Vanguard Dividend Appreciation Index Fund, tracks the NASDAQ US Dividend Achievers Select Ind...
by Miriam2
Tue May 09, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of Variable Universal Life Insurance (8 months in)
Replies: 19
Views: 778

Re: How to get out of Variable Universal Life Insurance (8 months in)

From the Master (all emphasis in original): Dear Bogleheads, I have never encountered a Boglehead, or anyone else, who is a good candidate to own VUL for the long term. That product violates most, if not all, of the fundamental Boglehead principles that created and continue to serve this forum. Here...
by Miriam2
Tue May 09, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of Variable Universal Life Insurance (8 months in)
Replies: 19
Views: 778

Re: How to get out of Variable Universal Life Insurance (8 months in)

A variable life insurance (VUL) policy is a form of permanent life insurance, like whole life and guaranteed universal life. Generally, you buy permanent life insurance if you need permanent life insurance, meaning a death benefit will be there for your heirs when you die whenever that may be, unlik...
by Miriam2
Tue May 09, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 180
Views: 15285

Re: 2017 hedge fund contest

GoldenFinch wrote:Tanelorn what happened to your hedge fund? :shock:

Yes, I wondered about that, Tanelorn was always #1 in the standings - which I also always wondered about :wink:
by Miriam2
Tue May 09, 2017 4:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 2942

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

And from our balmy South Florida Local Boglehead Chapter, on the aquamarine shores of Biscayne Bay, we wish you the happiest of birthdays 8-) Mr. Bogle, we also meet several times a year to talk anything and everything that is personal finance, Jack Bogle style. Here is a photo of our last meeting -...
by Miriam2
Mon May 08, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire
Replies: 18
Views: 2861

Re: About to retire

I will be taking lump sum of 700,000 plus 401k of 520000. Ameriprise advisor wants me to split it between Ameriprise Ira and a variable riversource annuity from Ameriprise . I have been learning about vanguard. Would like to do this on my own but not confident enough. Also have 3000,000 in cash and...
by Miriam2
Mon May 08, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Ageless Advice for Newer Bogleheads
Replies: 5
Views: 1440

Re: John Bogle's Ageless Advice for Newer Bogleheads

For a young Boglehead (i.e. 20s), if they can tolerate the volatility, I would strongly recommend that they consider making at least the equity portion of their portfolio all SCV. Some of Larry Swedroe's fellow advisers do exactly that. "all SCV" ? All small cap value? No Total Stock, no ...
by Miriam2
Mon May 08, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]
Replies: 10
Views: 478

Re: Search function on Vanguard.com

Pajamas wrote:Here, more tips on Google search operators:

https://support.google.com/websearch/answer/2466433

Pajamas - that is a wonderful site! Thanks!
by Miriam2
Mon May 08, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Nice piece by Christine Benz, "Not a portfolio emergency"
Replies: 14
Views: 3064

Re: Nice piece by Christine Benz, "Not a portfolio emergency"

The low-cost target-date 2035 fund that he had invested in through his 401(k) (that I had recommended) was way too conservative, for one thing. Meanwhile, the advisor thought my friend's rollover IRA, parked in an S&P 500 index fund, completely missed the boat because it didn't include small ca...
by Miriam2
Mon May 08, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Nice piece by Christine Benz, "Not a portfolio emergency"
Replies: 14
Views: 3064

Re: Nice piece by Christine Benz, "Not a portfolio emergency"

Again, the importance of a strong savings rate: . . . no amount of investing acumen can make up for a plan that didn't begin with articulating and quantifying a financial goal, then saving an appropriate amount for it. Relying on those levers you can control, rather than the market, has another key ...
by Miriam2
Sun May 07, 2017 8:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 2942

Re: For Mr. Bogle: Let's Get The Party Started One Day Early

Happy Birthday Mr. Bogle! Warren Buffett certainly gave you some nice compliments! He said you were a hero to him. You are our hero also. :D If a statue is ever erected to honor the person who has done the most for American investors, the hands-down choice should be Jack Bogle. For decades, Jack has...
by Miriam2
Sun May 07, 2017 2:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12215

Re: Roll Call for the Retirement Class of 2017!

Just wanted to share a retirement email I received one time. I thought it was a nice summary and plan to use it one day when my time is up. "Today is my last day. In the ‘39 Groucho Marx’s film “Animal Crackers” Captain Spalding said it best: Hello, I must be going, I cannot stay, I came to sa...
by Miriam2
Sat May 06, 2017 8:55 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay
Replies: 26
Views: 1909

Re: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Streaming Today (5/6)

I thoroughly enjoyed it.. I was quite sleepy by 10 am, but he kept hitting "nerves" with Topics that "Jolted" me awake like someone hit me with a heavy duty cattle prod. So I stayed awake the whole day. I'm sure glad you stayed awake to listen, even stayed awake to give your won...
by Miriam2
Sat May 06, 2017 8:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12215

Re: Roll Call for the Retirement Class of 2017!

My last day of work is February 28, 2017. I graduated from college in 1975, and have been working continuously for almost 42 years. Reached critical mass a couple years ago, but just wasn't ready. Have a couple small pensions from old jobs, but mostly dependent on our retirement savings. Another Bo...
by Miriam2
Fri May 05, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Priority of Retirement Accounts
Replies: 18
Views: 1610

Re: Priority of Retirement Accounts

Second, I would check if your 401K has better or worse options than an IRA. If worse, invest in the IRA next assuming you are under the income restrictions . . . You also don't likely qualify for a traditional IRA contribution if you're in the 28% tax bracket . As a clarification, and correct me if...
by Miriam2
Fri May 05, 2017 1:15 am
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 64
Views: 6756

Re: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg

John Woerth, the company spokesperson for Vanguard, wrote this article on July 6, 2016, about "Buffett's Bet" Why Warren Buffett's bet matters . . . and doesn't Mr. Woerth said, "From my vantage point, if Buffett's bet and the accompanying publicity lead investors to drink from the in...
by Miriam2
Fri May 05, 2017 1:11 am
Forum: Investing - Help with Personal Investments
Topic: Priority of Retirement Accounts
Replies: 18
Views: 1610

Re: Priority of Retirement Accounts

Traditional IRA account is not favored because it blocks future backdoor Roth conversion. What does blocks future backdoor Roth conversion mean?? I think what Tyler Aspect meant is that if you contribute to a traditional IRA, you may make future backdoor Roth conversions more difficult. It does not...
by Miriam2
Thu May 04, 2017 5:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 105
Views: 12215

Re: Roll Call for the Retirement Class of 2017!

New member and first post. Just started this new life on Monday, 30-January thanks to Mr. Bogle and all the knowledgeable and helpful people on this forum. Let's hope we ALL graduate at the top of our class :beer :D . I had 32 years at my employer and turn 55 later this year. The opportunity to dis...
by Miriam2
Tue May 02, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 12234

Re: Cost of car compared to Gross Income

I took it as a light-hearted comment as well, and then I noticed the username and wondered if nova1968 was referring to himself frugal or thrifty. I imagined a beater at first. I had to educate myself about the collectible status of the car that didn't do well in Spanish speaking countries because ...
by Miriam2
Tue May 02, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Video TDR Failure - Microsoft - Arghhh!!!
Replies: 9
Views: 674

Re: Video TDR Failure - Microsoft - Arghhh!!!

Have you discussed this with Nedsaid? :wink:
by Miriam2
Tue May 02, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 12234

Re: Cost of car compared to Gross Income

I know its a matter of values and preference but one would have to be pretty frugal to purchase a car worth 10% of their annual salary. Its not likely someone earning 150K a year is going to buy a used Toyota corolla nor should they. Being thrifty to a certain extent is good but not everyone wants ...

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