Search found 34 matches

by wovenhearts
Thu Apr 11, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 29020

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS OPEN ANNOUNCEMENT

I'm being adventurous. Found a B&B in the heart of the old city to stay in Friday & Saturday night after the conference. It is within walking distance of many historic sites (Liberty Bell, Independence Hall, etc). We've never toured these sites, so don't think we need a car. I'm told we can take a s...
by wovenhearts
Thu Apr 11, 2019 3:54 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 29020

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Looking forward to our first conference! We are from the Seattle area - was wondering how easy it is to visit the sites without a car - or is it important to rent a car? Would love to see Liberty Bell and a few sites. Arriving Wednesday evening by air and thinking of leaving by train Saturday mid-af...
by wovenhearts
Thu Mar 07, 2019 11:50 pm
Forum: US Chapters
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 35
Views: 11633

Re: 2019 BOGLEHEADS CONFERENCE DATES

When will the 2019 Bogleheads Conference be open for registration? I noticed several years ago there was advance notice of the date. That would be super helpful since it's hard to be checking the site multiple times a day for a month. Thanks so much.
by wovenhearts
Thu Apr 06, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1805612

Re: The Three-Fund Portfolio

Thank you Taylor, that was very helpful. Don't know why Vanguard gives advice contrary to what I read on here. These boards and recommended books started me on this path and I've been a convert ever since.
by wovenhearts
Thu Apr 06, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1805612

Re: The Three-Fund Portfolio

I have had the three-fund portfolio since I opened our Vanguard account 7 years ago. It has done quite well. I just talked to a Flagship adviser, and he recommended adding the Total International Bond Index Fund to diversify the Total Bond Fund. Vanguard (and the adviser) recommend having more Inter...
by wovenhearts
Wed Apr 05, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 37121

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I would also like to put two of us on the wait list. Too bad it wasn't posted on April 5th like it was announced. Would love to attend.

Thanks for all you do.
by wovenhearts
Wed Nov 30, 2011 2:59 am
Forum: Personal Investments
Topic: Adirondack Trust HSA to start charging $4 monthly fees
Replies: 23
Views: 3518

Re: Adirondack Trust HSA to start charging $4 monthly fees

Thank you for that "head's up" about the e-statements and the $2 fee. For some reason my husbands Adirondack HSA account had been converted to e-statements, but mine had not, and I hadn't figured that out. Interestingly, when I called about the $4 fee when we first got notice of it, they didn't tell...
by wovenhearts
Tue Aug 30, 2011 2:07 pm
Forum: Personal Investments
Topic: Adirondack Trust HSA to start charging $4 monthly fees
Replies: 23
Views: 3518

Does anyone have a recommendation for a reputable bank to transfer my HSA to that doesn't charge fees? One that you've had a good experience with. I'm just having trouble figuring out where I want to move my accounts to.

Thanks for your help.
by wovenhearts
Wed Aug 24, 2011 3:15 pm
Forum: Personal Investments
Topic: Adirondack Trust HSA to start charging $4 monthly fees
Replies: 23
Views: 3518

Adirondack Trust HSA to start charging $4 monthly fees

I've had an HSA Savings Account with Adirondack Trust for almost a year. It was recommended on several boards for their high interest (it was 5% but has now dropped to 3%) and no fees. I just got a notice that they are going to start charging a $4 monthly fee on October 1st. I don't want to pay that...
by wovenhearts
Sun Jan 23, 2011 2:51 am
Forum: Investing - Theory, News & General
Topic: Starting a new 403(B)7 plan for new Employer
Replies: 2
Views: 603

Starting a new 403(B)7 plan for new Employer

Hi Bogleheads, I've been doing a little research on 403(b) plans and could use a little help. I have just accepted a new job with a small non-profit company (I'm very excited, since I haven't worked for others for money in a very, very long time). There are only 5 or 6 employees of this 501(c)3 and ...
by wovenhearts
Fri Jan 21, 2011 2:31 am
Forum: Personal Consumer Issues
Topic: Vacation in the Northwest in August
Replies: 16
Views: 1903

Seattle and surrounding areas are one of the most beautiful places on earth (especially when the sun is shining and the mountains are out). From Seattle (on a clear day) you can see both mountain ranges (Cascades and Olympics) and Mt. Rainier. Mt. Rainier is another fabulous day trip. There is so mu...
by wovenhearts
Fri Jan 21, 2011 2:03 am
Forum: Personal Investments
Topic: Complications with Vanguard Transfer
Replies: 15
Views: 2283

I am truly sorry for your mom's experience, but wanted to say that my experience this last year when we transferred several accounts to Vanguard from outside went flawlessly, and that the rep that was assigned to us was always available and very helpful. Also, all transfers happened quickly and acco...
by wovenhearts
Wed Jan 12, 2011 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Better Online Savings - Costco Cap1 or AmEx
Replies: 22
Views: 7453

Cap1 as in CapitalOne? Been there, done that. No gripe about the service. The thing that made me fire them tho was the avalanche of junk mail I received AFTER becoming a card holder. zed I just opened up a Costco Cap. One Saving account today. After reading this posting, I noticed when signing up t...
by wovenhearts
Sun Jan 09, 2011 1:36 pm
Forum: Personal Consumer Issues
Topic: Central Vacuum Recommendations
Replies: 14
Views: 3999

We've had a built in vacuum system for the last 30+ years. In my opinion, it has been the Best home improvement decision we've ever made. When you vacuum with a regular vacuum, tiny dust gets blown into the room, and into your lungs. With a built-in system, the motor unit is in the garage, and it v...
by wovenhearts
Sun Jan 09, 2011 3:24 am
Forum: Personal Consumer Issues
Topic: Central Vacuum Recommendations
Replies: 14
Views: 3999

We've had a built in vacuum system for the last 30+ years. In my opinion, it has been the Best home improvement decision we've ever made. When you vacuum with a regular vacuum, tiny dust gets blown into the room, and into your lungs. With a built-in system, the motor unit is in the garage, and it ve...
by wovenhearts
Thu Jan 06, 2011 2:35 am
Forum: Investing - Theory, News & General
Topic: Three Fund Portfolio & Simplicity
Replies: 61
Views: 8491

I have chosen the three funds for our portfolio. Simple, easy to understand, and returns are better than before we went the Boglehead way. I just added money to my Roth, and we transferred some money from our IRA to my husbands Roth, and so now we have three accounts, with the Roths only containing ...
by wovenhearts
Tue Jan 04, 2011 11:14 pm
Forum: Personal Investments
Topic: Pay off mortgage early??
Replies: 85
Views: 13645

In my experience, you can't refinance a mortgage with that small of a balance. I tried. We owe $50,000 at 5.25% and I tried to refinance to a smaller interest rate. Didn't want to pay points and many closing costs. Found a company that would do it if our balance was over $70 or $80,000 (can't rememb...
by wovenhearts
Thu Dec 30, 2010 4:33 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion Poll
Replies: 38
Views: 3780

We transferred a small amount ($15,000) from our tIRA to a Roth (the amount to mostly keep in the 15% tax bracket). We have a large tax refund coming, so the taxes will come out of what we've already had withheld. ps. didn't vote because none of the categories fit our situation. This is the first ye...
by wovenhearts
Thu Dec 30, 2010 2:40 am
Forum: Personal Investments
Topic: Transfer from IRA to Roth Ira online at Vanguard?
Replies: 6
Views: 1201

Thanks, everyone, for your help. I thought I should be able to do it, and alas, when I just tried again, it worked. I think I wasn't smart enough the first time to click on the Roth to make it open up and show me my available funds. So, I transferred $15,000. Now I just hope that it finalizes by Dec...
by wovenhearts
Wed Dec 29, 2010 8:51 pm
Forum: Personal Investments
Topic: Transfer from IRA to Roth Ira online at Vanguard?
Replies: 6
Views: 1201

Transfer from IRA to Roth Ira online at Vanguard?

I finally am ready to transfer money from our IRA to a Roth, and it doesn't seem to let me do it online? Does anyone know if this is possible? I spent all day figuring out how much money to transfer, and now it doesn't seem to be able to do it. I know that I will owe tax on this transfer, but though...
by wovenhearts
Wed Dec 29, 2010 3:37 pm
Forum: Personal Investments
Topic: Roth partial conversion from IRA
Replies: 9
Views: 1569

Thanks! All of our accounts are at Vanguard, but I do feel better knowing that December 31st is not a stock market holiday.

I'm trying to estimate my income taxes today (just purchased Turbo Tax and did the update) to figure out how much I can transfer without jumping to the 25% tax rate.

~ Gala
by wovenhearts
Wed Dec 29, 2010 2:31 pm
Forum: Personal Investments
Topic: Roth partial conversion from IRA
Replies: 9
Views: 1569

Thanks, "ThePrune", for that excellent explanation. It's what I thought, but it helps to see what you have said. Since we are less than 10 years from that magic 70 1/2, we won't have enough time for the Roth to grow so large as to necessitate putting any bonds in it. We have enough money in our regu...
by wovenhearts
Wed Dec 29, 2010 1:07 am
Forum: Personal Investments
Topic: Roth partial conversion from IRA
Replies: 9
Views: 1569

Thanks for the info. We have enough money in our traditional IRA that we could have our Roths (we have two of them) be totally in the Total Stock Fund and still be able to have 40% of our assets in the Total Bond Fund. Since we have assets in both Total Stock Market Fund and Total Int'l Stock Market...
by wovenhearts
Tue Dec 28, 2010 2:21 pm
Forum: Personal Investments
Topic: Roth partial conversion from IRA
Replies: 9
Views: 1569

Thanks, sscritic, for your reply. We don't have any retirement savings in a taxable account right now -- just the IRA and two Roths (one for husband and one for wife) that we just opened this year. So, I was just wondering if it made more sense to move from the total bond fund or total stock fund in...
by wovenhearts
Tue Dec 28, 2010 12:05 am
Forum: Personal Investments
Topic: Roth partial conversion from IRA
Replies: 9
Views: 1569

Roth partial conversion from IRA

I appreciate everyone's help on this forum, and have learned a lot by reading other posts. I have a question about transfering some of our IRA money into a Roth (and paying the subsequent taxes). I am only going to transfer $10,000 to $15,000 (to take advantage of being in the 15% tax bracket for on...
by wovenhearts
Fri Dec 17, 2010 4:58 pm
Forum: Investing - Theory, News & General
Topic: Alternative Minimum Tax for 2010 & 2011
Replies: 1
Views: 833

Alternative Minimum Tax for 2010 & 2011

I wanted to know what the new current AMT exception levels will be (to help figure out where I am tax-wise, and if I can move some IRA amounts to my ROTH and not jump to a new tax level.) I found them at: http://www.journalofaccountancy.com/Web/20103669.htm AMT exception levels (the 1st figure is Ma...
by wovenhearts
Wed Dec 08, 2010 2:15 am
Forum: Investing - Theory, News & General
Topic: If you dont need SS when do you start taking it.
Replies: 13
Views: 2192

There is a lot of information on this forum and in other forums about the wisdom of waiting to collect Social Security until 70 years old (when it stops growing). SS at 70 is 132% of your benefit at 66. It also has COLA adjustment, and is tax favored. So, it is smart to use IRA money and pension mon...
by wovenhearts
Tue Dec 07, 2010 1:25 pm
Forum: Personal Investments
Topic: Dave Ramsey's ELP suggests Loaded Funds
Replies: 124
Views: 28976

Thank you, JupiterJones, for that theory. It actually does make sense. Since so much sound investment advice encourages diversification into bonds to go with stocks, I just couldn't understand why he ignored that part of the equation. He believes so strongly that credit cards are wrong, that he won'...
by wovenhearts
Tue Dec 07, 2010 8:30 am
Forum: US Chapters
Topic: Seattle Local Chapter? The answer is "Yes"
Replies: 60
Views: 20091

I live in Seattle (just north in Shoreline) and am new to all of this, but believe in the Boglehead way. Would be great to get together with other like-minded Bogleheads!
by wovenhearts
Tue Dec 07, 2010 8:25 am
Forum: Personal Investments
Topic: Cricket question #2: How did you become Bogleheads?
Replies: 31
Views: 3703

My husband lost his job this summer (at age 60), and it was a wake-up call. We lost all of our benefits. (he is employed as a computer programer contractor now, which is great, but still no benefits.) So, I started doing research about retirement, social security and investments, etc., and did go to...
by wovenhearts
Mon Dec 06, 2010 3:10 am
Forum: Personal Investments
Topic: Dave Ramsey's ELP suggests Loaded Funds
Replies: 124
Views: 28976

I think that what makes much of what Dave Ramsey teaches to be valuable (other than his investment advice) is that most people go thru schooling and college, and don't learn anything about handling money. When you are young, it's not always easy to think about retirement 45 or 50 years in the future...
by wovenhearts
Thu Dec 02, 2010 5:43 am
Forum: Personal Investments
Topic: Dave Ramsey's ELP suggests Loaded Funds
Replies: 124
Views: 28976

my ELP experience

I was happy to read this post, because I had the same disappointing encounter with a Dave Ramsey ELP. It was before I found the Boglehead's forum, or read the Boglehead Investing book, but after getting the spiel about loaded funds and fees, etc., I had a bad taste in my mouth. Also, I made the appo...
by wovenhearts
Mon Nov 01, 2010 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: SS Article, for Married Folks ;-)
Replies: 97
Views: 15039

I have been communicating with the author of the sscalc calculator. I don't believe that it calculates spousal benefits correctly. If I understand sscritic and James Mahaney correctly (who posts as "New Thinking" on another forum), the spouses worker benefit and the spousal benefit are figured separ...
by wovenhearts
Mon Nov 01, 2010 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: SS Article, for Married Folks ;-)
Replies: 97
Views: 15039

re: spouse benefit

I have been learning a ton reading through these posts - sscritic has shared lots of valuable information. From reading today, I think I have the answer I was looking for, but thought I'd post to be sure. This question has to do with widow benefits. If the higher earning husband is planning on waiti...