Bogleheads.org

Miriam2

Which format stores photos preserving the best clarity and color or black & white clarity?

Miriam2

SrGrumpy wrote: ↑I'd be wary of DVD, by the way. That's basically a dead format now.

What is the new format?

Miriam2

BruDude wrote: ↑I got 50% back using hungry agents, would recommend.

How do we find a hungry buyer's agent?

Miriam2

Retired July 31, age 62. That didn't last long. I got a letter in the mail asking if I wanted to fly after a lifetime of working on the ground. So I called and asked if it was a joke since the FAA has a mandatory airline pilot retirement of 65 and I was then 30 months from turning into a pumpkin. N...

Miriam2

Now as we move forward my goal is to: *Continue to build my knowledge & financial acumen *Avoid too much life style creep *Systematically invest in tax-advantaged and taxed investment accounts *Build professional value without burning out/keeping stress at a manageable level *Enjoy more quality tim...

Miriam2

Fairly new to the forum, looking forward to your advice. Hopefully I submitted all the information needed. Sold our house and we are traveling across the USA for the next couple years in a new 2019 truck/5th wheel trailer combo. Welcome to the Bogleheads! We budget $50k spending/year which is why o...

Miriam2

One thing worth mentioning... I heard on Tom Cock and Don MacDonald's podcast (Talking Real Money) recently something to the effect of the amount of margin (ratio) was like 90% before the Depression started. So for ever $100 invested, $90 of it was borrowed. However, it was also said that the curre...

Miriam2

I have found many posts by Nisiprius no longer have his wonderful graphs - there is the angry Tinypic guy instead

Miriam2

Thinking about this some more, the OP is too focused on taxes paid on the money he's using rather than his overall tax picture. In investing, we talk about realized vs. unrealized gains. Similarly, we can talk about realized vs. unrealized taxes. The OP want to use the HSA money because the realize...

Miriam2

Hobe Sound is in Martin County . . . it's still a convenient 35-40 minute drive to West Palm Beach if you want major medical, big city shopping or to catch a flight at the airport . Vero Beach is farther from the airports. Hobe Sound has access to both PBI and FLL - FLL is not that much farther sou...

Miriam2

Back when I was investing with other companies in addition to Vanguard, it was common for companies to close funds that were underperforming. I don't remember Vanguard ever closing a fund and merging it with other funds. Has it happened? . . . Yes - in September 2011, Vanguard closed the actively-m...

Miriam2

I posted this in another thread, and I've posted something like it before . . . the "recovery" [from 1929] was short-lived.... by most measures, yes, the market had recovered by the end of 1936.... But only just barely, and in 1937 it crashed again . That was a decline of -49.93%, so it was just ab...

Miriam2

To me the break even tax rate is what is most relevant. Should I or should I not convert up to the top of the 24% bracket. The lower the break even tax rate is the clearer my crystal ball becomes about whether to do it or not. That’s why that is my focus and I’d like to see - if it exists - an exte...

Miriam2

Hi, happy days, I have now negotiated an early release! I will hand in notice on 11th December 2019 and leave office on 18th December 2019 for good. Technically I will be on payroll for 3 months for various reasons. So I guess my new date is either 18th December 2019 or 11th March 2020? Super happy...

Miriam2

1/2 of us is retiring in a couple hours. Worked 40 years after education. No big plans, enjoy life. Catch up, enjoy, be oneself. Some concern about meeting new people but new doors will open. The other of us is working for 3-10 years for minimum of insurance. Dear 4nursebee, Congratulations on your...

Miriam2

I'm about to join the class of 2019.Gave my 2 weeks notice the middle of July and am still working.I am a lead service tech in a specialized field and the person I was training quit the afternoon I turned in my letter. Because of the relationship I developed over the last 12 years with my customers...

Miriam2

Perhaps some may not consider this "retirement" - but I will! Cutting back to ~1 day/week beginning mid January 2019. Yippee! And at year's end, full retirement. Mixed feelings, but I think it's time. I really feel with the two recent threads about beginning to spend your nest egg - it's difficult!...

Miriam2

Got laid off on May 10, 2018 at 59 after 37 years. It was a great career at a TV technology manufacture with lots of opportunities with domestic worldwide travel. I telecommuted out of our Montana home for the last 15 years. The last 4 years had been a struggle but the pay was great and the 401K pl...

Miriam2

. . . Researching Mel’s threads over the years I was surprised to see that Mel has had several good calls over the past couple of decades; not just touting mid caps but other asset classes. Certainly glad you are a poster here on Bogleheads.org Mel. Some of us pay close attention when we see your p...

Miriam2

The way I’m looking at it is that because it is pre tax money I would effectively be paying the conversion tax with pretax money (say 75 cents on the dollar using Miriam2’s example) AND leveraging the HSA money into 3 times as much Roth money (again using Miriam2’s example) Seems to me the issue is...

Miriam2

Thanks for the replies. Miriam2, my initial thoughts are similar to yours. However, one difference in using HSA money compared to regular IRA money is that you don’t have to pay tax on the money used to pay the conversion tax. And, the difference in using HSA money compared to Roth money is that th...

Miriam2

fortfun wrote: ↑
Thu Oct 31, 2019 6:58 pm

justsomeguy2018 wrote: ↑
Thu Oct 31, 2019 6:55 pm
Will that be enough to retire off of?
If you are not a crazy spender, use low cost Vanguard funds, and earn 5%, yes. Of course, depends on inflation, etc.

$3,322,374.49.

Fortfun,
How did you compute that figure and does it include a reasonable rate of inflation?

Miriam2

I am considering a series of Roth conversions. I found a 2018 Vanguard piece entitled: A "BETR" approach to Roth conversions", that compares paying Roth conversion taxes from 3 different sources: (1) from the IRA itself; (2) from a tax efficient taxable account (i.e., taxed at capital gains rates);...

Miriam2

. . . for others that might be reading, let's run some back-of-the-envelope numbers. Last year Wellington spun off about 6.4% in LTCG and 2.8% in dividends, of which about 60% were qualified. At the 22% income and 15% LTCG rates, each $100K in Wellington cost about $1500 in taxes. Total Stock Marke...

Miriam2

Since some said “Updates?”: My brother and his wife took me on a 2-week Viking River Cruise as a 70th birthday present last year. But I spent my actual birthday (and the 71st, a couple of weeks ago) in France. Decided that I am not game for a 3-month road trip. Who needs a 3-month road trip when th...

Miriam2

For those who want to go and are on the waiting list - To the best of my knowledge, there really is no such thing. The reason is, the people who signed up cannot get their money back OR transfer their reservation to someone else. So, since they cannot get their money back directly or indirectly, th...

Miriam2

Somebody reminded me about this thread... Those were the other voices in your head :P So here is my mandatory fishing pic of the year. Not a monster fish, but amazing scenery (this was in a mountainous/semi-desertic area of the great state of Washington). http://www.carpanglersgroup.com/forum/uploa...

Miriam2

We will be busy, down sizing from a 6600 sq ft home with a 7 car garage to a 2100 sq ft 2 car garage. My wife likes stuff (I did not say junk) she doesn't want to get rid of anything. Once the house is empty I will over see some re-hab to get it ready to sell. Main home will be in Az. I will be abl...

Miriam2

I think I'll be in the class of 2019. I accepted a voluntary separation package from my employer. We're still working on a date. I'd prefer sooner and they'd prefer later. We are tentatively agreeing on mid-December. Hi MarkBarb! Welcome to this Spectacular Retirement Class :happy We'll pencil you ...

Miriam2

Hello South Florida Bogleheads - and Boglehead Snow Birds 8-) Just a heads-up - our next local chapter meeting is set for Sunday, January 26, 2020 Time - from 12 noon to 2:00 pm Place - our usual conference room in the Stirling Road Branch, Broward County Library - 3151 Stirling Rd, Hollywood, Flori...

Miriam2

As I noted earlier in the thread, I retired at the end of June at age 65. This is my update. Since then, I have: Been to the beach and surfed over 15 times; Did a day of cycling with friends 62 miles from Moorpark to San Barbara and took the train back; Visited Old Towne Orange; Took our 25 year ol...

Miriam2

I will retire from my corporate job latest 15th June 2020 (i.e. clear the desk, hand in the pass and leave the building). Have to stay abroad somewhere nice until 5th July in order to avail of tax free status for 2020. (Non-US). Thinking of Japan then Portugal and then Italy for a month. thanks for...

Miriam2

TLB wrote: ↑Jan 2 2020 @65

Hi TLB! Welcome to this fabulous retirement class

And thank you for your thoughtful posts about business and real estate. Please let us know what you have planned for this wonderful next phase of a wonderful life

Miriam2

onthecusp wrote: ↑Add (62) to onthecusp making me oldest so far.

Thank you for the update - you were the oldest class member for about 6 minutes!

Miriam2

Blake7, 12/31/2020 @ age 55. Hired, FIRE’d, and soon to be retired. 8-) 39 years in the workforce, 12 employers. :beer I love it - Hired, FIRE'D and soon to be retired! After 39 years, you certainly deserve it. After 12 employers, you certainly deserve it - and you will truly enjoy, e-n-j-o-y being...

Miriam2

I remember watching that video last January as it was posted on Vanguard's website. Amazing and so well done. I would like to see Vanguard honor Mr. Bogle more by providing a section of their website with his articles and speeches. I agree it would be wonderful and most appropriate for Vanguard to ...

Miriam2

We're in-between hurricanes - so it's the perfect time to publish the current list for the 2020 Retirement Roll Call! For those lucky folks aiming to retire in 2020, sign up for our Illustrious Roll Call to be a member of this truly unique class - I mean, how many times in a kiloyear does one retire...

Miriam2

This thread may help

What to do when our PM in-box is full?

Miriam2

retired redhead wrote: ↑ June 2019 So far so good.

__ June - retired redhead <<== Welcome to the Class!

Congratulations on punching out! Let us know date and age and we'll update the Roll Call list.

What are your retirement plans?

Miriam2

South Florida Chapter here 8-) Perhaps a cluster-bomb search of every single library within 50 miles of your base could track down a good library room. We found that different libraries have different requirements. It took a long time with lots of stick-to-it energy, but we found the perfect library...

Miriam2

"There's one thing I've always wanted to do before I quit. Retire."

(Groucho Marx in "Animal Crackers")

We are happy to announce that the Roll Call for the Retirement Class of 2020 is open

viewtopic.php?f=9&t=282012

Miriam2

Please add me to the Awesome Class of 2016, since November 5th, which was my birthday present to myself. :D 05 Nov - Skeeter1 <<== Welcome to the Class!! Ok Skeeter1, you're added to this Awesome Class, and what an awesome birthday present you gave yourself! I am writing this from a river cruise on...

Miriam2

Must have missed this one long ago. Retired on February 12, 2016 at age 53. DW was SAHM. Never been happier. 02 Feb - MikeG62 (53) <<== Welcome to the Class!! Never too late to join this Awesome Retirement Roll Call! You were probably so excited about punching out and entering the next happy phase ...

Miriam2

Cracker wrote: ↑
Sun Sep 15, 2019 6:48 pm
Add me! November 17, 2017, Age 62.

17 Nov - Cracker (62) <<== Welcome to the Class!!

Hi Cracker - we added you to this fabulous retirement class

So what have you been doing in retirement and how's your portfolio holding up?

Miriam2

It's hurricane season - trying to update this Awesome Retirement Roll Call in between hurricanes :mrgreen: Let me know your retirement date and age and we'll add you to the list. Currently we have 62 graduates. Best wishes to all those who have retired! Happy Graduates! 01 Jan - Tzoellner (60) 02 Ja...

Miriam2

I have an update! Since retiring I have been attending many more MLB games of our "local" team. I figured why not get paid to attend games so applied for a job as a parking attendant and submitted my resume. HR gave me a call and said the security director would like to interview me for a position,...

Miriam2

Retired April 1st 2019 after 39 years at megacorp. Many people take their earned vacation and leave a week or two early. Instead I didn't take any vacation in Q1 since I figure that I'll be on vacation for the rest of my life! Got a nice vacation pay paycheck. Also have a decent pension but w/o COL...

Miriam2

I use a VW Tiguan 2018 model. But my dog sits in the front passenger seat, is trained, does not shed, and weighs in at about 35 pounds. He has sat (or slept there) for upwards of 800 miles going from OH to FL (of course with short pauses for necessaries). He does not bark much and listens to what I...

Miriam2

I have received my final paycheck and am happily off the rolls with my FORMER employer, the US Government! Retirement number one was from the Army 11 years ago and now I have completed my short 11 year and 2 months as a federal employee with the Department of Defense. 34 years total for my “careers...

Miriam2

On bike camping trip in San Juan Islands and my last day of work is this Friday after 35 years as an optometrist at a Seattle based HMO. I am grateful to this community for advice and information to make this possible. We could have retired a few years ago, but waited for our youngest to have a job...

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