Search found 143 matches

by Maid of the Mist
Mon May 20, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: Wouldn't this make Traditional IRA far superior to Roth?
Replies: 82
Views: 7827

Re: Wouldn't this make Traditional IRA far superior to Roth?

I have a dear former co worker who was convinced that you shouldn’t pay taxes until you had to. He and his wife plowed money into 401ks both maxing out most years. My spouse and I were big fans of diversifying our savings. Very roughly 1/3 pretax 401k, 1/3 Roth, and 1/3 after tax. Fast forward 25 ye...
by Maid of the Mist
Tue May 14, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: U-Pack or Similar? (Household Transport Services)
Replies: 9
Views: 555

Re: U-Pack or Similar? (Household Transport Services)

We used UPack containers from ABF. It was great. We had movers load and unload them. One piece of advice is to err on the side of having them delivery too many containers. They can always take an extra one back and for us that would have been at no charge. Be sure to check the web for discounts or c...
by Maid of the Mist
Fri May 10, 2019 4:46 pm
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1727

Re: Western NY Bogleheads Local Chapter Established

WNY Bogleheads - Last reminder for tomorrows meeting!
by Maid of the Mist
Fri May 10, 2019 7:34 am
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1727

Re: Western NY Bogleheads Local Chapter Established

This is a reminder of Saturday’s meeting. See above message for details.
by Maid of the Mist
Wed May 08, 2019 8:42 am
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1727

Re: Western NY Bogleheads Local Chapter Established

I wanted to remind folks that our first meeting of the WNY Bogleheads will be Saturday at 10AM. I have reserved the main room at the Tonawanda Library located at 333 Main St. in Tonawanda. I noticed a couple of folks are unable to attend this meeting but would like to attend future meetings. Please ...
by Maid of the Mist
Wed May 01, 2019 7:23 am
Forum: Investing - Theory, News & General
Topic: [How ETFs use "Heartbeat trades" to avoid taxes, Vanguard's patent]
Replies: 116
Views: 6062

Re: Bloomberg--Vanguard Patented a Way to Avoid Taxes on Mutual Funds

Never mind. The prior article explains it and it is fascinating.
by Maid of the Mist
Wed May 01, 2019 7:20 am
Forum: Investing - Theory, News & General
Topic: [How ETFs use "Heartbeat trades" to avoid taxes, Vanguard's patent]
Replies: 116
Views: 6062

Re: Bloomberg--Vanguard Patented a Way to Avoid Taxes on Mutual Funds

I don’t completely understand. Do the capital gains just go away? How will these capital gains show up eventually? Will they hit the etf shareholder someday down the road?
by Maid of the Mist
Mon Apr 15, 2019 9:36 am
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1727

Re: Calling all Western NY Bogleheads

For interested WNY Bogleheads, I scheduled a room at the Tonawanda Library for our first meeting. The date and time are Saturday, May 11 @ 10:00 AM. Tonawanda Library is located at 333 Main St., Tonawanda, NY. You can contact me at: WesternNYBogleheads@gmail.com At this first meeting, I thought we c...
by Maid of the Mist
Sun Apr 14, 2019 6:18 pm
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1727

Re: Calling all Western NY Bogleheads

Tomorrow, I will check with the libraries in N Tonawanda, Tonawanda, and Amherst and see if I can reserve a room.

M of the M
by Maid of the Mist
Sun Apr 14, 2019 2:35 pm
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1727

Re: Calling all Western NY Bogleheads

I see there is someone from Niagara Falls and someone from Lewiston. Would a Tonawanda or North Tonawanda meeting location work?

Maid of the Mist
by Maid of the Mist
Sun Apr 14, 2019 6:55 am
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1727

Western NY Bogleheads Local Chapter Established

Are there any other Western NY Bogleheads who wish to start a chapter in the area? If there are 4 or 5 others, I will try to set up a meeting locally.

Maid of the Mist
by Maid of the Mist
Mon Feb 04, 2019 2:42 pm
Forum: US Chapters
Topic: Buffalo NY Bogleheads (Western NY)
Replies: 0
Views: 174

Buffalo NY Bogleheads (Western NY)

We are new to Western NY and would like to start a Western NY Bogleheads chapter if there is interest. My husband and I were both very active in the NE Ohio chapter (which had a wonderful group of people). We didn't see a Western NY chapter that we could join and were wondering if there are other fo...
by Maid of the Mist
Fri Jan 18, 2019 5:09 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51492

Re: John Bogle has died at age 89

I agree with so many others on this thread. I always considered Jack Bogle a leader and mentor to so many and we will miss him. I am very grateful that my husband and I were able to meet him a couple times and we still have a picture of all of us taken at a Boglehead conference. And I have to respec...
by Maid of the Mist
Sat Dec 22, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: How much to budget for Luxury Vinyl Floors Upstairs?
Replies: 14
Views: 1292

Re: How much to budget for Luxury Vinyl Floors Upstairs?

To get a good estimate, you really need an installer to come out. The luxury vinyl and installation is one piece. Then you need to consider removal of the prior floor. That removal can get pricey depending on how difficult it will be. Also, some additional costs of various molding, subfloor, etc - a...
by Maid of the Mist
Sun May 20, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 10638

Re: Dave Ramsey it or keep low interest debt

I would recommend taking a close look at your tax situation in light of tax reform. I have done projections for people who have historically itemized and thus were able to utilize their mortgage interest, business expenses and state and local income taxes/property taxes to reduce their federal incom...
by Maid of the Mist
Fri May 04, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Car lease almost over.....Qs on buying it
Replies: 7
Views: 1240

Re: Car lease almost over.....Qs on buying it

We bought out our lease. Many dealerships charge an admin fee to buyout the lease. Ours did so we contacted the manufacturer’s leasing company direct and avoided that fee. I don’t know if that runs across all dealerships and/or leasing companies but you may want to check on it. Saved us several hund...
by Maid of the Mist
Wed Feb 07, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Niagara falls US side
Replies: 27
Views: 2230

Re: Niagara falls US side

50ismygoal has some great advice. The US side has some interesting things to do. I would also recommend the Red Coach Inn as a really interesting place to stay and a great place to eat. The views are really good from there and you can walk to Goat Island from there. Enjoy!
by Maid of the Mist
Sat Feb 03, 2018 8:50 am
Forum: US Chapters
Topic: Presentation for Novice Bogleheads
Replies: 4
Views: 923

Re: Presentation for Novice Bogleheads

Thanks!!

Those are all great ideas!
by Maid of the Mist
Fri Feb 02, 2018 4:13 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Hi all, We have a meeting tomorrow (Saturday) - Feb 3 @ 10AM at the North Royalton Library. I am hoping for good weather - but if not I will send a cancellation e-mail the evening of Feb 2. It is looking ok right now. This meeting has some interesting topics: 1. Behavioral Finance - presented by Bob...
by Maid of the Mist
Fri Feb 02, 2018 9:26 am
Forum: US Chapters
Topic: Presentation for Novice Bogleheads
Replies: 4
Views: 923

Presentation for Novice Bogleheads

Our chapter is trying to put together a presentation for New Bogleheads. We are utilizing the Wiki for a lot of information. In addition, I was wondering if anyone else put together a similar presentation and if they would like to share it. Or if you know of any internet sites that may help us out.
by Maid of the Mist
Thu Dec 07, 2017 9:17 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Bump up.

I hope the weather is good also.

Karen
by Maid of the Mist
Wed Dec 06, 2017 8:12 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Well - it is time again for our meeting and this is your reminder. We will meet at the North Royalton Library at 10am on Saturday, Dec 9. Topics include: 1. Personal Computer Hygiene presented by Bryan Roberts. I understand Natalie is helping with the information. This is a very important topic at t...
by Maid of the Mist
Tue Oct 24, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is this "Earned Income," or not?
Replies: 43
Views: 2808

Re: Is this "Earned Income," or not?

Is this a "trade or business' or is it a hobby?
by Maid of the Mist
Mon Oct 09, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of Traditional vs Roth
Replies: 5
Views: 670

Re: Tax Implications of Traditional vs Roth

Another impact of Traditional vs Roth IRAs is effect of your AGI in retirement. At this time, there are some folks taking RMDs that combined with there other retirement income, force them into AGI (adjusted gross income) levels that require that they pay a premium for Medicare each year or that forc...
by Maid of the Mist
Mon Oct 09, 2017 8:26 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Our next Bogleheads meeting is this Saturday, Oct. 14 at 10 AM. It will be at the North Royalton Branch Library (of the Cuyahoga library system). Topics include: 1. Berkshire Hathaway 2016 letter to shareholders. We will focus on pages 21-25 “The Bet” (or how your money finds its way to Wall Street)...
by Maid of the Mist
Sun Sep 24, 2017 4:04 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

We should discuss the meeting location at the next meeting. Bob is correct - we always tried to provide a central NE Ohio location. We did meet in the past at the Brecksville library which is a little more central, however they only have one large meeting and many times, I was unable to reserve it. ...
by Maid of the Mist
Fri Sep 22, 2017 8:13 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

The next Boglehead meeting is Oct 14. Followed by the year -end meeting on Dec 9. All meetings start at 10am. Location is North Royalton Library.
by Maid of the Mist
Mon Aug 07, 2017 10:57 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

This is your reminder for the next NE Ohio Bogleheads meeting which is Saturday, Aug 12 @ 10am. It is at the usual location - North Royalton Library. Chris Bruns will be leading the discussion. Topics: 1. How much to save for retirement 2. Roth/Traditional/After-tax Portfolio diversification 3. Bogl...
by Maid of the Mist
Mon Apr 03, 2017 6:17 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

To all Bogle fans in NE Ohio, Our next Bogleheads meeting is April 8 at 10 am. The location is the North Royalton Branch Library of the Cuyahoga Library System. Topics include: - Discussion of fiduciary responsibility and Financial Advisor designations - Diversification - Asset allocation and auto-r...
by Maid of the Mist
Mon Feb 27, 2017 8:31 pm
Forum: US Chapters
Topic: Bogleheads Local Chapters: Now in the Bogleheads Blog!
Replies: 12
Views: 3349

Re: Bogleheads Local Chapters: Now in the Bogleheads Blog!

Below is info on the NE Ohio Chapter (Cleveland area): First meeting was held on June 9, 2012. We meet on the second Saturday every other month. Meeting time is 10am until 12pm. We currently meet at the North Royalton Public Library. Our next meeting is April 8, 2017. Our e-mail list is about 50 peo...
by Maid of the Mist
Sat Feb 04, 2017 9:12 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Our next Bogleheads meeting is Feb 11 at the North Royalton Library. Start time is 10am. I thought we could gather some information on our group. On the forum there seems to be certain predominant personalities among Bogleheads, so I thought we could check our NE Ohio group. So if you would like to ...
by Maid of the Mist
Wed Dec 07, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Tax impact of switching from W-2 to K-1?
Replies: 9
Views: 3368

Re: Tax impact of switching from W-2 to K-1?

Disadvantages include:
You will probably pay more (maybe significantly) for tax prep each year
And you will probably pay more for tax and legal guidance each year
by Maid of the Mist
Wed Dec 07, 2016 10:12 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Our next NE Ohio Bogleheads chapter meeting will be Saturday, Dec 10 at 10am. Location is the same as last - North Royalton Public Library. I hope to see you there. Topics to be completed from the last meeting: How to incorporate health care costs into your retirement plan What is the single biggest...
by Maid of the Mist
Mon Nov 28, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Gas range and refrigerator suggestions?
Replies: 13
Views: 1714

Re: Gas range and refrigerator suggestions?

Be sure you check your door clearance for the refrigerator. In our case, we wanted an in-door water/ice dispenser and there was only one choice that offered the dispenser and also allowed clearance for emptying the ice tray.
by Maid of the Mist
Sat Nov 05, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 10101

Re: Frustrated with Health Insurance Premiums for 2017

I went to a presentation at Cleveland Clinic. As was suggested, costs of both pharma and other health care costs have increased. But, per the presentation, a very large driver of higher health care costs is usage in middle age. Dr Roizen at the Cleveland Clinic indicated that years ago, most health ...
by Maid of the Mist
Wed Oct 05, 2016 2:32 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Just a reminder that our next meeting is Saturday, Oct 15 at the North Royalton Library at 10am (same place, same time). Chris was kind enough to forward topics of interest from the last meeting for discussion at the October meeting. -How to incorporate longevity into retirement financial planning a...
by Maid of the Mist
Tue Aug 09, 2016 1:32 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

The next NE Ohio Bogleheads meeting is Aug 13 - this Saturday at 10AM. The location is North Royalton Public Library - same as prior meetings.

Topics include;

Value of Pension / health care benefits

Asset Allocation benefits under different scenarios

Review of Target Dated Fund Allocation
by Maid of the Mist
Fri Jun 03, 2016 7:04 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Last reminder for the June 4 meeting at the North Royalton Library. Starting time is 10am. Hope to see you there.

Topics are:

1. Tax efficient fund placement
2. Investment Policy Statements
by Maid of the Mist
Sat May 21, 2016 7:57 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

The next NE Ohio chapter meeting is Saturday, June 4 at 10am at the North Royalton Library.

Topics are:

1. Tax efficient fund placement
2. Investment Policy Statements

Chris will be coordinating the presentation and discussion of these topics.

Hope to see you there.

Karen
by Maid of the Mist
Fri Apr 08, 2016 9:22 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Thanks Bob. Yes, it was the 4/9 meeting that was being canceled.

Jim (for Karen)
by Maid of the Mist
Fri Apr 08, 2016 6:11 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

The weather forecast overnight into Saturday is not good. As many of you have to drive quite a distance to the North Royalton library, tomorrow's (4/16) meeting is being cancelled. The next meeting will be held on June 4, 10:00am, again at the North Royalton library. If there are any topics you'd li...
by Maid of the Mist
Fri Apr 08, 2016 6:48 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

The NE Ohio chapter meeting is Saturday, April 9 at 10am at the North Royalton Library - as of now. However, if the weather gets bad - snowy and slippery, we will cancel. If the weather forecast looks bad for the morning, a posting of the cancellation will be on this forum by 8 pm tonite. Topics are...
by Maid of the Mist
Fri Feb 12, 2016 7:21 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

It looks like the weather here in Cleveland will be cold tomorrow - but very little snow will fall. So, therefore we will have our meeting at the North Royalton Library at 10am. Wear your warm jacket and come out and join us if you can. See post above for more details.
by Maid of the Mist
Tue Feb 09, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question
Replies: 10
Views: 1284

Re: Tax Return Question

In addition, the IRS usually takes a while to send out notices - sometimes 2 or 3 years. You will probably not want to dig up and remember this trade at that point and amend then. So I would amend now and get it done. It is pretty easy to do. And it will be correct. I love correct tax returns.
by Maid of the Mist
Sat Feb 06, 2016 10:32 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

The next NE Ohio Bogleheads meeting is Feb 13 at 10am at the North Royalton Library. Topics are: 1. What to do in the volatile market (great timing for this one) 2. Junk Bonds (There has been a lot of movement in these recently) 3. Safe withdrawal Strategies in Retirement 4. Asset titling 5. Car Pur...
by Maid of the Mist
Thu Dec 10, 2015 12:54 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

Just moving this info back up.
by Maid of the Mist
Thu Dec 10, 2015 10:27 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

NE Ohio Chapter is having its Dec meeting this Saturday - Dec 12. It will be at the North Royalton Library (the usual place) at 10am. Our topics will be a discussion of the John Bogle presentation from the National Bogleheads meeting as well as discussion of a recent 12 min John Bogle video. Both ha...
by Maid of the Mist
Mon Oct 05, 2015 4:54 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

The NE Ohio group will meet on Oct 10 at the North Royalton Library at 10am. The topic will be Bonds. I will not be able to attend but I am sure the meeting will be interesting. How can bonds not be interesting especially in the current low interest rate environment?
by Maid of the Mist
Fri Aug 14, 2015 8:52 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

The NE Ohio chapter of the Bogleheads will have a meeting tomorrow, Aug 15 at the North Royalton Public Library. Our meeting begins at 10am and runs for 1.5 to 2 hours. Topics (suggestions from last meeting): will be: 1. Sequence of withdrawals in retirement - (traditional IRA, traditional 401k, Rot...
by Maid of the Mist
Sat Jul 25, 2015 1:58 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 176
Views: 44570

Re: NE Ohio (Cleveland Area) Master Thread

A reminder to all NE Ohio Bogleheads (or wannabes) that there is a Bogleheads meeting on Saturday, Aug 15 at the North Royalton library at 10am. All are invited. Topics (suggestions from last meeting): will be: 1. Sequence of withdrawals in retirement - (traditional IRA, traditional 401k, Roth IRA, ...