Search found 2453 matches

by Miriam2
Tue Apr 16, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Junk bonds undervalued due to boglehead popularity?
Replies: 43
Views: 3654

Re: Junk bonds undervalued due to boglehead popularity?

I assume something must increase the share price at some point or else the fund would simply decline into oblivion. Well, funds can declare reverse splits which (e.g.) doubles their price per share by halving the number of total shares. Just take a look at the history of, say, TVIX: . . . . Thank y...
by Miriam2
Tue Apr 16, 2019 8:38 pm
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6933

Re: If you have plenty of money, why not 100% stocks in retirement?

I'm not sure about how much plenty of money might be, as we are early in retirement at 65 years of age. Hopefully we will be around a couple of decades longer, so I don't think 100% equities would be a good choice at this time. However, I am considering just letting the percentage of equities rise ...
by Miriam2
Fri Apr 12, 2019 4:35 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 89
Views: 7279

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Any chance that Jason Zweig will be able to attend this year? My one big regret about not signing up last year was missing the chance to meet him. I am a huge fan, as was my late husband. Jason has a standing invitation. Problem is, his column in the WSJ runs on the weekends, so he's working on his...
by Miriam2
Thu Apr 11, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: Junk bonds undervalued due to boglehead popularity?
Replies: 43
Views: 3654

Re: Junk bonds undervalued due to boglehead popularity?

Is there more money in the hands of Bogleheads biased against junk bonds, or more money in the hands of "income investors" who are biased in favor of junk bonds, who choose high yield funds because their budgets require a yield of X that investment grade bond funds do not provide and who ignore the...
by Miriam2
Wed Apr 10, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Junk bonds undervalued due to boglehead popularity?
Replies: 43
Views: 3654

Re: Junk bonds undervalued due to boglehead popularity?

Is there more money in the hands of Bogleheads biased against junk bonds, or more money in the hands of "income investors" who are biased in favor of junk bonds, who choose high yield funds because their budgets require a yield of X that investment grade bond funds do not provide and who ignore the...
by Miriam2
Sun Apr 07, 2019 3:12 pm
Forum: Personal Investments
Topic: Where to enter Roth conversion in TurboTax?
Replies: 9
Views: 843

Re: Where to enter Roth conversion in TurboTax?

My wife is over 59 1/2. She rolled over 52000 from her 403b to traditional IRA in 2018, and later she converted 35000 to roth IRA. When you wrote this I assumed that she rolled $52,000 from her 403b into her IRA and then converted $35,000 of that $52,000 from her IRA into her Roth IRA. If she did t...
by Miriam2
Sun Apr 07, 2019 1:30 am
Forum: Personal Investments
Topic: Where to enter Roth conversion in TurboTax?
Replies: 9
Views: 843

Re: Where to enter Roth conversion in TurboTax?

. . . There were two separate transactions which are shown in details, but the 1099R combines the two. I wonder if I should ask Fidelity for new 1099Rs. 1. For a conversion directly from 403b . . . 2. For a rollover to traditional IRA . . . Now you're getting into Advanced 1099 Stuff :annoyed We'll...
by Miriam2
Sun Apr 07, 2019 12:53 am
Forum: Personal Investments
Topic: Where to enter Roth conversion in TurboTax?
Replies: 9
Views: 843

Re: Where to enter Roth conversion in TurboTax?

She got only one 1099R from Fidelity. Does she have to ask for a second one? First, look at the 1099-R carefully and see if it actually-but-not-clearly has the 2 different transactions on the single 1099-R. They may be separated by a fine line, or one may be on the back page or another page. The 2 ...
by Miriam2
Sat Apr 06, 2019 12:53 am
Forum: Personal Investments
Topic: Roth IRA on my mind. Opinions Please
Replies: 16
Views: 1299

Re: Roth IRA on my mind. Opinions Please

Personally, I decided that I will either keep the international exposure to less than 15% of my portfolio or skip altogether. Concentrate only on domestic equities for my stock funds which is 5000+ stocks, that is good enough diversification for me. The reason I came to this conclusion is because f...
by Miriam2
Sat Apr 06, 2019 12:37 am
Forum: Personal Investments
Topic: Getting Started with an HSA
Replies: 13
Views: 1063

Re: Getting Started with an HSA

I was doing a bit more reading last night and ran across an article that suggested no withdrawing any funds from the HSA. They made the claim that after 65, the HSA can function like a TIRA since after 65 monies can be withdrawal for any reason (of course, one has to pay taxes on non-medical expens...
by Miriam2
Sun Mar 31, 2019 11:24 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5199

Re: Help on Women and Investing

. . . My question to you are: What has worked (even in part) for men reading this in helping women in their lives? What has worked (even in part) for women reading this in helping themselves or other women? Thanks Grandma Sylvia Here is a nice Vanguard Webcast on "Women and Investing." I would enco...
by Miriam2
Sun Mar 31, 2019 11:07 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard Dividend Fund to pick?
Replies: 47
Views: 3008

Re: Which Vanguard Dividend Fund to pick?

Hello everyone. I am looking between two funds currently to purchase for my 2018 Contribution into my Roth IRA. Vdaix and Vhdyx. I have researched both of these however I still am unsure about which would be best for me. This fund will be very long term, possibly in my account for almost 30 years. ...
by Miriam2
Thu Mar 28, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Know a good restaurant in Miami?
Replies: 8
Views: 557

Re: Know a good restaurant in Miami?

Joe’s Stone Crab on Miami Beach. Gill Agree wholeheartedly with Gill & Trader Joe :D For a nice Miami present, a gift certificate to Joe's Stone Crab is the tops. Remember, however, that stone crabs are only in season from Oct. 15 to May 15 each year and that is the primary reason to go to Joe's: e...
by Miriam2
Sun Mar 24, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Moving from NYC to Miami
Replies: 18
Views: 1851

Re: Moving from NYC to Miami

I have the option over the next 6 to 9 months of moving from NYC to Miami (probably South Beach) because my company has an office in both places. . . . Has anyone made this move / offer any advice on things to consider? This other thread "Relocating to Florida - Need some advice" has some good sugg...
by Miriam2
Sat Mar 23, 2019 2:55 pm
Forum: Investing - Theory, News & General
Topic: Your thoughts on the teachings of Ed Slott
Replies: 52
Views: 4955

Re: Your thoughts on the teachings of Ed Slott

One of the main arguments for doing Roth conversions is to reduce the taxes that would be due when you have to start withdrawing from your Trad IRA at age 70.5+ (RMDs). But, a significant portion of those withdrawals can be done by paying either 0% tax, or a 10% tax. Which is usually much lower tha...
by Miriam2
Fri Mar 22, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: Your thoughts on the teachings of Ed Slott
Replies: 52
Views: 4955

Re: Your thoughts on the teachings of Ed Slott

I just read Ed Slott's book The Retirement Savings Time Bomb and How to Diffuse It . Pretty interesting stuff. . . . Does anyone find fault in his advice or are you an adherent? I have never read Ed Slott's book nor listened to him on programs, but I do frequent his website regularly, www.irahelp.c...
by Miriam2
Fri Mar 22, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Moving from NYC to Miami
Replies: 18
Views: 1851

Re: Moving from NYC to Miami

I have the option over the next 6 to 9 months of moving from NYC to Miami (probably South Beach) because my company has an office in both places. My wife and I are early 30's, we're expecting our first child later this year and we're happy in New York overall, but there are some things I don't love...
by Miriam2
Mon Mar 11, 2019 6:42 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 367
Views: 76612

Re: South Florida Local Chapter

Hello South Florida Bogleheads 8-) Our next meeting is Sunday, July 14, 2019, from 12 noon to 2:00 pm in Hollywood, Florida. Location: the Stirling Road Branch, Broward County Library, 3151, Stirling Rd, Hollywood Hi, New to the forum. I live in the South Florida area and would love to attend the ne...
by Miriam2
Mon Mar 11, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."
Replies: 64
Views: 7353

Re: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."

At the risk of being trite, the obvious solution is to marry someone who shares your financial priorities. Why is this so hard? I guess the divorce rate and all the financial infidelity that surveys keep revealing proves it's easier said than done. Sometimes this little thing called "love" gets in ...
by Miriam2
Sat Feb 23, 2019 2:46 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

Hello 2019 Retirement Class! Just in time - David Jay presenting "Can I Retire? A simple evaluation with "Stages of Retirement"" :D Bogleheads Virtual On-Line Chapter, Monday, February 25, 2019 at 8:00 pm EST Sign up with our Virtual On-Line Chapter and chapter coordinator Lazylarry will make it eas...
by Miriam2
Fri Feb 22, 2019 7:42 pm
Forum: Investing - Theory, News & General
Topic: NYT: Jack Bogle Helped Keep Inflation Low
Replies: 10
Views: 1592

Re: NYT: Jack Bogle Helped Keep Inflation Low

Jack created Vanguard as a penny-pinching institution owned by its funds’ shareholders. He popularized low-cost index funds and, in the process, radically reduced the expenses incurred by millions of rank-and-file investors. Now, it turns out, cost savings from various types of index funds, run by ...
by Miriam2
Fri Feb 22, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11420

Re: Wife filled our gas engine car with diesel fuel

This is the OP. I couldn't do this because my wife was 300 miles away in a strange city, and after driving the car about 3 blocks, the car quit running and she was stranded on the side of the street. It was about 8 degrees and snowing. I didn't know what else to do but call a wrecker. The wrecker d...
by Miriam2
Wed Feb 20, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Family member duped into life insurance -- any recourse?
Replies: 84
Views: 7354

Re: Family member duped into life insurance -- any recourse?

So you knowingly signed documents that you acknowledge you don't understand? :? Well I kinda sorta understood them when eshplained to me and I knew the basics when I signed (meaning - that when I croaked, that pot of money would go where I wanted it to go, so long as I paid my premiums) - but the i...
by Miriam2
Wed Feb 20, 2019 7:20 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 364
Views: 55075

Re: Roll Call for the Retirement Class of 2018!

My last day was 11/15/2018! But since I owned a business it takes a few month to get done with the paper work. One of my clients gave me a "sloth " calendar and the following advise: give yourself permission to do nothing! Siglinde - congratulations on leaving your business for the Retired Active F...
by Miriam2
Wed Feb 20, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Family member duped into life insurance -- any recourse?
Replies: 84
Views: 7354

Re: Family member duped into life insurance -- any recourse?

She did not understand how this policy worked, and that it had a brokerage component, and this is why she does not manage her finances. This is key right here. She may have signed it but the insurance agent did not do their due diligence to ensure she understood the product before signing the dotte...
by Miriam2
Mon Feb 18, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11420

Re: Wife filled our gas engine car with diesel fuel

The diesel nozzle is bigger to stop people putting diesel where gasoline should be. It works most of the time. But it can be defeated by a combination of determination and ingenuity . I was thinking the same thing - wife should be applauded and honored that, due to her determination and ingenuity -...
by Miriam2
Sat Feb 16, 2019 1:32 pm
Forum: Personal Investments
Topic: IRA made money before contributing to backdoor ROTH IRA
Replies: 6
Views: 315

Re: IRA made money before contributing to backdoor ROTH IRA

or should I leave it there till next year and do $5989.85 + 10.15 back door roth IRA next year. No, don't do that because all that will happen is that your $6,000 will earn more money throughout 2019 :D and by next year you'll have an even bigger balance of untaxed money in your tIRA to pay taxes o...
by Miriam2
Sat Feb 16, 2019 1:27 pm
Forum: Personal Investments
Topic: IRA made money before contributing to backdoor ROTH IRA
Replies: 6
Views: 315

Re: IRA made money before contributing to backdoor ROTH IRA

Is this a 2019 Roth conversion? You contributed $6,000 to your tIRA in 2019 - then earned $10.15 - now your balance is $6,010.15?? Just convert the entire amount by % - convert 100%. That empties your tIRA for next year's conversion. Yes you pay taxes on $10.15 - I think you can afford that :D If yo...
by Miriam2
Sat Feb 16, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Southern FLA trip
Replies: 2
Views: 236

Re: Southern FLA trip

Search the search box and you'll pick up other threads on the Florida Keys 8-)

Florida Keys in Jan/Feb
Key West family vacation
Miami-Florida Keys visit
Why are the Florida Keys so expensive
by Miriam2
Thu Feb 14, 2019 8:36 pm
Forum: Personal Investments
Topic: personal rate of return
Replies: 29
Views: 2588

Re: personal rate of return

Depends on your asset allocation. You should compare your returns to a LifeStrategy fund with a similar asset allocation ... if you are interested in this. I just did. I am about 65/35 stock/bond ; closer to life strategy mod growth which has 10 year return of 9.5 %. Looks like I am behind by 1-1.5...
by Miriam2
Thu Feb 14, 2019 8:22 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 364
Views: 55075

Re: Roll Call for the Retirement Class of 2018!

Very belated posting! My retirement was 1/15/18 at age 62. Long time attorney, now part time tour guide for the local professional baseball team! Welcome to The Retired Active Force and never to late to join the Class! Thank goodness you found a different engaging activity to take your mind off tha...
by Miriam2
Thu Feb 14, 2019 7:54 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

Retiring Friday Feb the 15th! 37 years with one company, hard to believe it's been that long. Going to decompress, travel and spend time with the kids and grand kids. 60 and 58 so we hope to enjoy a long retirement. Great community here and it has helped me fire our advisor and narrow down our port...
by Miriam2
Tue Feb 12, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Interview with Boglehead Priscilla Pereira
Replies: 2
Views: 672

Re: Vanguard Interview with Boglehead Priscilla Pereira

Priscilla and her husband Vince were guests at our recent South Florida local chapter meeting - they drove many hours from Orlando to Hollywood/Ft. Lauderdale to be with Taylor and our South Florida Bogleheads. Priscilla is an exuberant, delightful young lady with a beautiful smile and a fabulous ca...
by Miriam2
Sun Feb 10, 2019 10:06 pm
Forum: US Chapters
Topic: [Virtual online chapter - Master thread]
Replies: 111
Views: 24288

Re: [Virtual online chapter - Master thread]

Nice Virtual Bogleheads wordpress blog, Lazylarry 8-)
Looking foreword to David Jay's presentation He's helped so many Bogleheads pull themselves together to retire :happy
by Miriam2
Sun Feb 10, 2019 2:03 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

VictoriaF wrote: . . . Now, I have to think about Tuktoyaktuk 8-) . . .
Victoria
Yikes!! I knew it - there she goes, off on another wild retirement adventure :shock: :D
by Miriam2
Sat Feb 09, 2019 3:58 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

That's the thing about my life seems the landscape is always changing so no worries about the world being flat. Riden both the high mesas and the low valleys, change is a constant companion. Original retirement plans were shot all to hell when the Mrs was diagnosed with early onset Alzheimer's. Lai...
by Miriam2
Sat Feb 09, 2019 3:18 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

TravelforFun wrote: Miriam2, put me down for August 16 please (age 67).

TravelforFun
Very happy to include you on the list, TravelforFun :happy Where is your first retirement destination?
by Miriam2
Sat Feb 09, 2019 2:34 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 364
Views: 55075

Re: Roll Call for the Retirement Class of 2018!

Just saw this thread now. I retired 04/30/2018 at 52. Congratulations SandysDad and Welcome to this Fantabulous Retirement Roll Call - never too late to join! So, as my kids would say, "whassupp??" How has this first year of retirement been for you? Decluttering the house and garage? :mrgreen: , tr...
by Miriam2
Fri Feb 08, 2019 8:27 pm
Forum: US Chapters
Topic: Minnesota BH Main Meeting 1/26/19
Replies: 12
Views: 1305

Re: Minnesota BH Main Meeting 1/26/19

Just a brief follow up for those who follow these posts. In spite of the very cold weather and light snow about 110 Bogleheads showed up. The panel discussion which looked at the asset allocations and strategies of 6 individuals (3 retired, 1 nearing retirement, 2 accumulators) was well received. I...
by Miriam2
Fri Feb 08, 2019 8:08 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

:beer Time to ride off into the sunset after a 40+ year career. Will be joining this class in May. Many thanks to Mr. Bogle's "Little Book of Common Sense Investing" which I discovered in the late 1990s for getting me seriously on to the road of retirement saving and investing. :beer Congratulation...
by Miriam2
Fri Feb 08, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' Guide to Investing - Is under Review
Replies: 15
Views: 3269

Re: The Bogleheads' Guide to Investing - Is under Review

Beware of this book. It will change how you approach investing. I read it and lost my interest in the big-name, actively-managed funds. The book turned me into a boring three-fund-portfolio investor. All my funds begin with the word Total and end with the word Index. Think how exciting my life migh...
by Miriam2
Wed Feb 06, 2019 4:13 pm
Forum: Personal Investments
Topic: State Pension DROP decision
Replies: 19
Views: 2247

Re: State Pension DROP decision

What are the spousal benefits for each way and would that factor into your decision?

I assume no inheritance benefits for kids either way - - -?
by Miriam2
Sun Feb 03, 2019 6:44 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

Here is the latest Roll Call for our Fabulous Retirement Class of 2019 :D We already have 13 graduates! :arrow: Congratulations Graduates!! 01 Jan - Tzoellner (60) 02 Jan - bhsince87 05 Jan - Canoesmith 09 Jan - JonnyBeRetired (56) <<== Welcome to the Class!! 11 Jan - Tycoon 12 Jan - InMyDreams 15 J...
by Miriam2
Sun Feb 03, 2019 6:41 pm
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3217

Re: Besides your core.. anyone also hold a play account?

Just curious what others are doing.... rarely do anything but rebalance the core depending on balance bands but have a play portfolio = to about 7% of total and trade 9 or 10 times a year there. What about you? Husband used to have a play account :annoyed Bought Lucent Technologies in 1996 at $64/s...
by Miriam2
Sun Feb 03, 2019 6:19 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

My plan is to retire in April, 2019 at age 64. Over 45 years with the same company. Started as a welder with plans to just stay one year but was moved into sales and management and never left. The company paid for my college but that took over 20 years to complete! The one employee who has been the...
by Miriam2
Sun Feb 03, 2019 4:26 pm
Forum: US Chapters
Topic: SE FLORIDA BOGLEHEAD CHAPTER - 2nd meeting
Replies: 17
Views: 3006

Re: SE FLORIDA BOGLEHEAD CHAPTER - 2nd meeting

South Florida Bogleheads!! 8-)

Please use our current South Florida Local Chapter thread for all information and postings -
www.bogleheads.org/forum/viewtopic.php?f=9&t=64383

Your local chapter coordinator :mrgreen:
Miriam2
by Miriam2
Sun Feb 03, 2019 4:23 pm
Forum: US Chapters
Topic: S.E. FLORIDA CHAPTER: Meetings
Replies: 75
Views: 14234

Re: S.E. FLORIDA CHAPTER: Meetings

South Florida Bogleheads! 8-)

Please use our current South Florida Local Chapter thread for all information and postings -
www.bogleheads.org/forum/viewtopic.php?f=9&t=64383

Your local chapter coordinator :mrgreen:
Miriam2
by Miriam2
Sun Feb 03, 2019 3:31 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

Well my target date to tell my company is March 4th. I'm going public here to keep myself accountable. Some days I feel like I'm going to chicken out but most days I'm 95% convinced it's the right decision and the right time. Still very unnerving. "Unnerving" - but maybe time to enjoy the rest of y...
by Miriam2
Sun Feb 03, 2019 2:55 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

My plan is to retire in July 2019. I'll be 60, with 38 years of service at Megacorp. -B Congratulations Barsoom and welcome to the Retirement Roll Call :D With 38 years of service at Megacorp, it must be an emotional roller coaster to retire and leave your second home. Let us know your R-date and w...
by Miriam2
Sun Feb 03, 2019 2:48 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 222
Views: 27557

Re: Roll Call for the Retirement Class of 2019!

...so far, at age 56, you're our youngest retiree 8-) What are your plans? Looks like Vagabondette has me beat on both age and adventure. Yes, thanks for the age correction - and she has everyone beat on adventure 8-) My plans are to spend more time with my parents (who are in their eighties), take...