Bogleheads.org

Miriam2

I'm about one month from my retirement date and because I am a minimalist, I don't want any retirement party where they invite your family and colleagues ̣(who go way back) to come and make speeches. How about if we just come and drink? :mrgreen: I've been very suspicious of and have declined lunch...

Miriam2

Thank you South Florida Bogleheads for another wonderful meeting - and special appreciation to Mingstar (aka Larry Auton) for offering your personal suggestions (and taking such good care of the Bogleheads computer server 8-) Taylor - thank you for your experienced and unabashed financial advice to ...

Miriam2

Sheepdog wrote: ↑
Sun Jul 14, 2019 12:15 am

Miriam2 wrote: ↑
Sat Jul 13, 2019 11:29 pm
And what about the sheepdog?
That's another story. Her haircut costs $65. That's extravagant, don't you think?

Nooo!! I think she's gorgeous

Miriam2

I go to this young barber. He is only 72....well, he's younger than me. He charges $7 now. It was $6 a couple of years ago. I usually give him $10, unless I don't have that much in my wallet. (no credit card accepted.) His son and grandson used to work for him, but about 5 years ago they split from...

Miriam2

I gave notice today that after 40 years in "upper mid level lower management", I'm calling it a career December 30th. LOL - now you'll be in lower mid level high management retirement :happy . . . Breaking the news to my staff just about killed me, and their tears tore a hole in my soul. I know its...

Miriam2

. . . As others have noted, specialists have been looped in for transfers and for other transactions outside his scope. VG may focus on low costs, but from my perspective that has not translated into inferior customer service in any way. I also have had great customer service with Vanguard - since ...

Miriam2

It's very hard to compare ABLE plans to each other as they have different servicers, different investment options, different annual fees (most are around $45 yearly), etc. Has anyone already done the research and know which state offers the best ABLE account with the best investments and lowest fee...

Miriam2

Another snafu can be your name - needs to be the same on both accounts. Well, is the use or non-use of a middle initial "the same?" The Vanguard website is not all that clear in their language or their examples. It needs refining. TRP is no better, in fact, they have even less information on this. W...

Miriam2

You need a transfer specialist from their concierge service. These folks seem a bit better trained w/regards to incoming funds. Recommend trying to call the service line at 800-841-7999 and select option 1. You will have a better experience. Good luck to you! Wow, yes, may I also convey my thanks, ...

Miriam2

In my effort to adhere to the BH way and simplify, I decided to consolidate my T Rowe Price Roth IRA account with my Roth IRA account at Vanguard. I went to Vanguard's "online IRA transfer" site and started putting in all the information. The Vanguard website says "if you want to sell your securiti...

Miriam2

Half-way through the year and here is the most current list for the Retirement Class of 2019 :D So far we have 46 graduates who have punched out! Already Graduated!! - Congratulations everyone and Happy Summer :!: 01 Jan - Tzoellner (60) 02 Jan - bhsince87 05 Jan - Canoesmith 09 Jan - JonnyBeRetired...

Miriam2

Meeting reminder 8-) Our next local chapter meeting is this Sunday, July 14, 2019, from 12 noon to 2:00 pm Location - Stirling Road Branch, Broward County Library 3151 Stirling Road, Hollywood, Florida Directions - From I-95 - exit Stirling Road Go west 1-2 miles Library is on right (north side), se...

Miriam2

One other thought on the emergency fund: by design, most true "emergency funds" sit untouched for years on end earning next-to-nothing (and possibly losing purchasing power to inflation). A better strategy might be to slightly overfund the emergency fund and invest it in a very conservative balance...

Miriam2

Hi, am new to the site and would like to attend the July-14-2019 meeting Thanks, Ron Hi latebloomer2, I sent you a PM (private message), which hasn't been opened yet, about the meeting. I have you on the list and when you come to our meeting, please let me know so I can show you how to open your PM...

Miriam2

stockpickerted wrote: ↑When is the next meeting? I would love to attend.

Our next meeting is this Sun. July 14, 2019, from 12 noon to 2:00 pm

Please wear your "stockpickerted" barrel so we recognize you

What happened? Lose your shirt picking stocks?

Miriam2

Alas, it appears the uncertainty over continuing viability of the ACA and it’s preexisting condition protections will require me to postpone my much hoped for 2019 retirement retirement date. :annoyed. I’m sure hoping that I can get out before I turn 63.5. Best of luck to all of my former classmate...

Miriam2

First time poster. I'd like to attend too if it's not too late. Much like saker2019, it's a bit of a drive for me. Taylor - are people going to lunch beforehand, or? Hi nall and welcome to the Bogleheads! We have Bogleheads who come from Orlando, Ft. Myers, Naples, Martin County, Palm Beach, and Ke...

Miriam2

A quick update, because I think I am listed in the Roll Call with a date of July 2019. It turns out it will be December 31. And it is now official; I told my boss last week, but it won't be announced publicly until late August. Twenty-five more weeks! Thank you for your update. What a great way to ...

Miriam2

I have filled out my last Time Sheet ending on July 12 but my last day will be Thursday July 11. Giving me one more FREE day. My boss is coming up Tomorrow to get my keys, Credit cards and Laptop. Been in the Oil and Gas just 3 months shy of 46 years. I have had a GREAT job for the last 13 years. I...

Miriam2

Last pay day Sept 30. No more work though for last couple of months. Big change! Congrats on finally punching out! Yes, Big Change - please let us know what you're going to do with all your freeeeeee time 8-) Cipro, you will probably take the coveted award as our Most Senior Member of this Retireme...

Miriam2

December 2019! I've been working a phased out retirement since 2015 & have decided that this is my year (at age 66). The phased plan has worked well for my transition into more personal time, rather than waking up and thinking "now what?" Many thanks to the Bogleheads sharing their wisdom...so help...

Miriam2

If I don't get a job in the next six months do I qualify for the class of 2019 or do I have to wait for my wife to retire in 2020? Started my 2nd week of retirement today. . . . That being said one of the managers has reached out to me today to see if I would be willing to come back part time as a ...

Miriam2

I have never heard of the net investment income tax. Thank you! The tax is an extra 3.8% of your net investment income when your AGI exceeds the limits. Thus you pay 18.8% tax on qualified dividends, rather than the usual 15%. Thank you grabiner. I could never figure out what it actually did or whe...

Miriam2

. . . Once the emergency fund is ready, I would recommend paying down this mortgage in preference to taxable investing. (This is particularly important for you, because the Net Investment Income tax means that you pay higher federal tax than most investors do on anything except muni bonds .) Do you...

Miriam2

I am an ordinary investor and I don't factor invest because it is too complicated for me for too little benefit, and it would take up too much time in my already busy days taking care of family, work, home, community, and life's problems to create and maintain a portfolio with factors - plus I would...

Miriam2

Last work day Friday July 5, 2019 A wonderful cross country road trip in early May helped to convince me that I wouldn’t miss work as much as I thought I would. So much to see and do! Also very fortunate to live in an area with extraordinary opportunities for volunteering. It all helps to keep your...

Miriam2

I joined the class today, departing this afternoon from the University where I worked my entire career; 38 years total and the last 25 in one academic unit. The university will never be the same :annoyed Campus life in the summer is quiet anyway but in addition my (detested) boss was removed very s...

Miriam2

. . . My trigger-pulling date is August 16. That's just around the corner, be here before you know it! Enjoy your last month of work, say your good-byes, clean out your work area, make sure all your paperwork is in line :mrgreen: and look forward to a great retirement experience. And also, thank yo...

Miriam2

Originally, gave my employer 6 months notice to prepare. The transition is progressing ahead of schedule. My last planned day was supposed to be September 27th. Miriam2 it looks like my official retirement day will now be Friday, July 26th. Thirty-five days and counting. :D Good update! Nice to ret...

Miriam2

Semi-retired on 5/10/19. Feels great to be able to go for a long jog early in the morning, then take a nap if needed, then do some part time work-at-home. This leaves my evenings free to have dinner and relax with DW when she gets home from work. I am also finding time to take some online classes t...

Miriam2

Congrats to all the 2019 retirees! I made a decision recently that my last day will be in 599 days. Early 2021. I guess that thread will start in a year or so, but I couldn't wait to share, lol. :happy Thanks for sharing, goblue100! It's fun how different upcoming retirees calculate their R-date. S...

Miriam2

. . . Finally, what's a Pollo Tropical and are they any good? What's a Pollo Tropical??? When in Rome . . . You'll find out soon enough 8-) Obviously a Mexican . . . No way, no tacos, no burritos, no way jose . . . and/or Hispanic place that sells chicken. Cuban marinated chicken on the grill, with...

Miriam2

First post. I was wondering if some people out there could help me with a good asset allocation. 35 years old, and I'm deciding to get serious about retirement now after a few failed businesses. 2019 is the first year that I will max out 401k, and I will continue this until retirement. My employer ...

Miriam2

Started a new job and re-working my monthly budget to see what works. Purpose is to continue to fund retirement while being able to enjoy life and saving for a down payment on a house to buy in the next 2-3 years. Married couple in their early 30s. . . . How will you manage your budget? A budget pr...

Miriam2

Reminder for our next South Florida local chapter meeting Sun. July 14, 2019, from 12 noon to 2:00 pm Location - Stirling Road Branch Broward County library, 3151 Stirling Rd, Hollywood Please see up-thread for detailed directions. Our Agenda - 1 - John Bogle's investing philosophy and legacy 2 - Re...

Miriam2

Nice article that shows how Mr. Bogle's investing philosophy benefits the average worker. "But Bogle also became something of a sage with a devoted following of investors: bogleheads. These investors are committed to his brand of low-fee, low-stress investing. It's an approach that has enabled milli...

Miriam2

... ** is there any way of finding the date of the original interview on these Youtube videos? When I view the linked video, it says "Published on Sep 12, 2018" right on the Youtube page. On CNBC's main web page, they have a related written article from this appearance dated the following day (Thur...

Miriam2

Really enjoyed seeing Mr. Bogle discuss investing in the current bull market - appears this video is from 2017-2018 ** I am again reminded that Mr. Bogle was always thinking about the common investor, the average person who invests slowly. Mr. Bogle said here, even with the high bull market, "there ...

Miriam2

I thought I posted to this thread when I did it, but I officially retired April 15, 2018 (but since that was a Sunday it was really April 13). 13 Apr - cherijoh <<== Welcome to the Class!! Glad to see it finally hit you that you retired :oops: and welcome to the Class! And our Bogleheads community ...

Miriam2

Here is our first update for the upcoming Retirement Class of 2020 8-) 16 Jan - jamacq (61.5) __ May/June - spartanap (59) 30 Jun - Outafter20 (47) 01 Dec - bada bing (61) 31 Dec - Ready3Retire (60) If you wish to be included on this Retirement Roll Call, please add your name, R-date and age. * * * ...

Miriam2

Finally! 2020 Roll Call! Late May/Early June, 2020 after 37 years in public education. One month shy of 60. DW (already retired) and I plan to do what we want to do, when we want to do it. Looking forward to traveling in the spring and fall instead of just during summer vacation. Prague/Budapest, N...

Miriam2

I envy and admire you all. I'm about 5% to FI, 2.5% to RE. Go live life and try not to think about money too much. Congrats! Hi thefirst100k! We'll be looking for you on the Roll Call for the Retirement Class of 2040 8-) And here's a good article that can help you get going and keep moving on that ...

Miriam2

Bogleheads: Jack Bogle's Words of Wisdom: This wealth at large that I’ve accumulated, it wouldn’t be there, as Mr. Gates said, if I had not been born in the USA. It’s not only what Bill Gates said about all the advantages our society creates, it goes all the way back to fundamentals like the Declar...

Miriam2

Here are some helpful Boglehead threads on getting your retirement act together :D This thread Two Years to Retirement-Please Review and comment (1 Year update) is from forum member David Jay. This Retirement - Ten Key Years {Retirement Red Zone}+Summary is by forum member Peter Foley, who wrote cha...

Miriam2

Considering that this fund invests in so many stocks and is very diversified (in stocks), what's the worst that could happen from having 100% of your Roth IRA invested in it? I had the Retirement 2045 but I wanted to put more in stocks. I will not need to put from this money for 15-20 more years. B...

Miriam2

Here's another chart showing the difference in performance between the Vg total stock market index fund (VTSAX), the total bond market index fund (VBTLX), and the high yield corporate index fund (VWEAX) - although I don't know if the chart shows dividends reinvested or not: . . . make sure to show y...

Miriam2

Added to our "Yes We're Coming List" 8-) amitb00 x 2 - see you next meeting! thekro advisorless x 2 Wally Allison finmanjim <<== is in! Adding - Mr & Mrs Saker2019 <<== Welcome!! Adding - latebloomer2 <<== Welcome!! Adding - Welcome ! BogleTails x 2 Stockpickerted ChrisB Dan & Debbie DisplacedHoosie...

Miriam2

Dec 1, 2020 will be my last day at work. Accrued vacation will carry me on the books as an employee until first week of Jan. 2021, but I'll be on a cruise ship somewhere around South America on the day I officially "retire". Be splitting the years between Alaska (summers) and Arizona (winters) with...

Miriam2

A quick update to my retirement journey this year. On 31 May after work, I got on a plane departing Hawaii for California to begin my final leave/vacation days. We pick up our car this week in California and begin a slow drive across the country, visiting various sites and family along the way. I a...

Miriam2

Bogleheads: The S&P 500 Index is up +17% in the first six months of the year, its best first six-month's since 1997. Its June closing price was 2,941.76. Our "Top-5" Boglehead Leaders and their year-end guesses (made in January) are: 1 bigb 2940.91 2 loveyourheart 2940.01 3 runner26 2938.16 4 Kitty...

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