Bogleheads.org

Miriam2

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...

Miriam2

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 "...

Miriam2

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...

Miriam2

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...

Miriam2

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 ...

Miriam2

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

Miriam2

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...

Miriam2

Raybo, you always take such beautiful and interesting photos, are we going to have a sneak preview??

Miriam2

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...

Miriam2

Way to go Stemikger!!

You have a nice cushion built up with your AA, guess we won't have to talk you off the cliff anymore

Miriam2

Tom,
Here is a 2014 Vanguard white paper on international investing and a recent thread on this:

"Global equities: Balancing home bias and diversification."

viewtopic.php?f=10&t=196956 - "How Much International Stock? A Suggestion."

Miriam2

Duly noted everyone, added to THE LIST

01 Jan - MichaelM (63.5)
xx Apr - vg55
19 May - boglefannyc
07 July - bikechuck
01 Oct - STINGRAY75
15 Dec - WoodSpinner
xx Dec - dratkinson

Miriam2

ResearchMed and RudyS - ^^^ Thank you so much, what a great wiki on elder moving!

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

(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...

Miriam2

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...

Miriam2

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...

Miriam2

GoldenFinch wrote:Tanelorn what happened to your hedge fund?

Yes, I wondered about that, Tanelorn was always #1 in the standings - which I also always wondered about

Miriam2

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 -...

Miriam2

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...

Miriam2

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 ...

Miriam2

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

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

Pajamas - that is a wonderful site! Thanks!

Miriam2

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...

Miriam2

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 ...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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 ...

Miriam2

Have you discussed this with Nedsaid?

Miriam2

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 ...

Miriam2

Thank you for sharing Taylor. I took this OFF my pile of reading material and enjoyed reading it very much. Mr. Bogle is such a clear writer and I enjoy his frequent quotations from history and here, Robert Frost's wonderful poem.

Miriam2

Well my last day of work will be December 22nd, 2016, but my official retirement day will be March 1st, 2017. Riding out vacation time until then. Starting to get the retirement jitters but have a solid plan that we have worked on for years. What to do in retirement: Watching my newest Grandson, ta...

Miriam2

March 3, 2017 will be my last day of work. I thought I would retire 3 years ago, and kept putting it off, raising the bar, but a few weeks ago I just went in and gave notice. So glad I pulled the trigger. Bogleheads has been very helpful along the way. . . . I'm not as young as I wanted to be. Darn...

Miriam2

There is a thread on this board which asked how many people had actually used their long-term insurance benefits. A fair number had. I'm still searching for that thread. In most long-term care insurers paid claims. Some were slow... but did pay. Perhaps this is the thread you are thinking of: viewt...

Miriam2

reboot??
clear your cache??
Maybe Microsoft doesn't like your new 'Doo ...

Miriam2

milkshake wrote:Updated! Whew

lol! Don't worry milkshake, no effort goes wasted, what you've done is the beginning of your new financial beginning. All you have to do is keep your financial life current as you move forward, with the incredible advice of retiredjg and other Bogleheads

Miriam2

Travel now because when you have a kid you wont be traveling anywhere for a couple years. Three kids ages 5, 3, and 10 months. About an hour is all I can stand. Good thing my kids think Lake Erie is the ocean :D Haha, love this comment. In the same boat as you, have ages 4, 2, and 6 months, and our...

Miriam2

Another possibility :wink: - perhaps your father told the financial advisor to put the IRA money into something safe, something that would not lose money, and that maybe your father had Franklin Templeton Funds and believed he "made money." Many people like the idea of "income" f...

Miriam2

Are these two different IRA accounts, one at Vanguard and one at Fidelity, or do you have one account, splitting it with two different funds?

Miriam2

. . . the opportunity to reinvent my life just seems too good to pass up. It's time to indulge in the luxury of an early retirement, after decades of delayed gratification. Iceport, may I share this, from another forum member in a thread from last year when another Boglehead was dealing with the an...

Miriam2

I've notified Human Resources, my supervisor, and his supervisor, so it must be real. My last day on the payroll will be March 31, 2017, just a month and change after turning 55. The decision to leave this early has been much tougher than I had ever expected. I'll be taking a huge 30% hit in my pen...

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