Search found 1241 matches

by Miriam2
Mon Jan 16, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: ADP 401k Allocation help
Replies: 2
Views: 172

Re: ADP 401k Allocation help

My company recently switched its 401k plan to ADP and 100% of my previous funds were allocated to T. Rowe Price Retirement 2045 Fund - Class R. I don't know a lot about the different funds but I did notice that the expense ration for this fund is pretty high (1.26). Below are my options. I am hopin...
by Miriam2
Sun Jan 15, 2017 12:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 186
Views: 28523

Re: South Florida Local Chapter

Adding the following to our rsvp list for our Sun. Jan 22, 2017, South Florida meeting: sales6280 McDee & DW Michael & Joyce Marisara Amber & DH JimB Osp62 Thanks for the location info. I just PMed jjmiller6671 to pair up for the ride down from Palm City in the Tesla. Looking forward to ...
by Miriam2
Thu Jan 12, 2017 10:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13047

Re: Sad News About a Respected Forum Member

Ole Meph, I can only add my voice to everything that everybody else has said. I've valued your forum contributions and some work with you behind the scenes. It's always tiny things you remember, and perhaps the moment I remember best was the time you pointed out that I was misspelling your screen n...
by Miriam2
Thu Jan 12, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]
Replies: 16
Views: 701

Re: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]

Miriam, oops, the ER is .01%. I'll go back and correct. As for TRPrice, I just read TRP dropped the expense ratio on some of their funds. Still not in Vanguard's range, but still good to see. Paul That's ok! I didn't read the original post that well myself :oops: Just so happy to win a prize for a ...
by Miriam2
Thu Jan 12, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]
Replies: 16
Views: 701

Re: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]

CITs are very common in 401k plans, but I don't think I've ever seen an ER as low as 0.1%. You get the prize. :happy Paul T. Rowe Price recently changed (upgraded?) several of their funds in my 401k plan to collective trusts. Most of the trusts appear to have similar ER's as their funds had, in the...
by Miriam2
Wed Jan 11, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: EJ not [costing me as much as] others?
Replies: 133
Views: 4659

Re: EJ not [costing me as much as] others?

OP has many class A funds with front loads, which he already paid. After time, don't some class A funds turn into class C funds with continuing loads or class C fees? How would he know if this happened?
by Miriam2
Wed Jan 11, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Ft. Lauderdale
Replies: 8
Views: 868

Re: Ft. Lauderdale

Going to Florida soon to relax on the beach. Any suggested things to do or places to visit while I'm there? Lucky3 Come to the South Florida Boglehead Chapter meeting on Sun. Jan 22, 2017, from 12 noon to 2:00 pm in Miami, only a half-hour drive down from Ft. Lauderdale. We will have a rousing disc...
by Miriam2
Mon Jan 09, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: EJ not [costing me as much as] others?
Replies: 133
Views: 4659

Re: EJ not [costing me as much as] others?

My question is, are things for me not as bad as they have been for others with EJ or am I being naive here? I am aware that $5000/yr means >$100,000 in fees over the next 20 years. However, if I am continuing to get returns in-line with what I would expect if I were investing on my own, does that m...
by Miriam2
Mon Jan 09, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 22
Views: 3797

Re: Daring to figure it out for myself: Dare I retire this year?

Pension: about 28,000/year, no COLA. It starts when I retire. My pension was frozen years ago. Working more does not increase my pension. See my post Daring to figure it out for myself: mind numbing pension post. Here is the link to your mind numbing pension post viewtopic.php?f=2&t=195129 Reti...
by Miriam2
Mon Jan 09, 2017 6:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13047

Re: Sad News About a Respected Forum Member

The Bogleheads.org forum began on February 19, 2007, and within 5 weeks, on March 28, 2007, ole meph posted his first post. It is titled "Yes, things to think about." ole meph: "Yes, things to think about" I think "Willie" said: We live and we die, we laugh and we cry, ...
by Miriam2
Mon Jan 09, 2017 6:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13047

Re: Sad News About a Respected Forum Member

There is no one who can analyze an insurance policy better than Ole meph, then give his opinions and suggestions in the most professional and courteous way. He never stops educating us on the value and pitfalls of life insurance, can see the jewels and the rocks in the industry.
by Miriam2
Mon Jan 09, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: How to Search for Author/Scholars' Forum Posts?
Replies: 12
Views: 868

Re: How to Search for Author/Scholars' Forum Posts?

Pfau and Kitces are good examples. My original question is there anyway of knowing their and other Boglehead Usernames? Is there a Wiki page? etc... If such authors do not use their real author name as their Boglehead username, then perhaps they wish to participate and post here anonymously, sort o...
by Miriam2
Sun Jan 08, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. index funds - comparing returns
Replies: 20
Views: 1855

Re: American Funds vs. index funds - comparing returns

I did exactly what you're doing when I first found Bogleheads and discovered low cost index funds. I was skeptical (I'm an engineer, I believe nothing until I can prove it) and so ran past performance charts inside of Fidelity's site. I wasn't moving brokerages, just fund types. Now that I'm all in...
by Miriam2
Sun Jan 08, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy 20%
Replies: 6
Views: 1134

Re: Vanguard Life Strategy 20%

This table shows how Vanguard's LifeStrategy Income fund has faired through the 2000-2001 and 2008 downturns. https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0723#tab=1a A word of caution looking at past performance of the LifeStrategy series of funds. The LifeStrategy fun...
by Miriam2
Sun Jan 08, 2017 6:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 186
Views: 28523

Re: South Florida Local Chapter

Our local chapter email is sflbogleheads@gmail.com for those who wish to RSVP or communicate via gmail.

No need to double RSVP, either here on the forum or gmail is ok 8-)
by Miriam2
Sun Jan 08, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 79
Views: 3733

Re: Getting rid of mice

You might try what they did across the pond at Ten Downing Street, where the Prime Minister of England lives. They had such a mouse problem they went to the local pet shelter and adopted the biggest meanest street-wise ole tom cat they could find, one who had been living in the gutters of London cat...
by Miriam2
Sun Jan 08, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 60
Views: 9186

Re: Is driving for uber worth it for side money?

Driving uberX is the world's greatest side-gig due to the flexibility, while at the same time being the the worst full-time job ever. The reason is because there's not enough busy hours during the week to make it worth your time. Also, if you're not driving in a major market (Boston, NYC, DC, Chica...
by Miriam2
Sun Jan 08, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 70-year-old retiree's portfolio
Replies: 18
Views: 2092

Re: Suggestions for 70-year-old retiree's portfolio

You might look at the Vanguard Target Retirement Income Fund (VTINX), which has an allocation of 30% stocks and 70% bonds with an expense ratio of .14. It holds 5 Vanguard funds: Total Bond Market, Total Stock Mkt, TIPS, Total Int'l Stock and Total Int'l Bond. The difference between Vanguard Target ...
by Miriam2
Sat Jan 07, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice moving from EJ
Replies: 36
Views: 2032

Re: Need advice moving from EJ

LostInFunds, Others can help you better with your move to Vanguard, but let me just say . . . Your Boglehead user name is very appropriate. You are Lost in Funds, but you are not alone. When I see posts like yours, I have a sinking feeling in my stomach for what a "professional" financial ...
by Miriam2
Sat Jan 07, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Kiplinger's 6 Vanguard Index Funds to Buy and Hold Forever
Replies: 7
Views: 2106

Re: Kiplinger's 6 Vanguard Index Funds to Buy and Hold Forever

Clever_Username wrote:So... three recommendations that amount to the Total Stock Market Index, two that amount to Total International (if I'm reading those entries right), and total bond.
Great choices!

Hmm, sounds like Taylor's Three Fund Portfolio :D
by Miriam2
Fri Jan 06, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 60
Views: 9186

Re: Is driving for uber worth it for side money?

He said the only real downside is the backhaul from the airport -- he's had instances where the rider needed to go really far in the opposite direction and you don't know until you've accepted the ride where the person is headed. On one of my first rides at around 7 pm, I got called to take a coupl...
by Miriam2
Fri Jan 06, 2017 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Did I make a mistake-VDIGX or VTI?
Replies: 13
Views: 1004

Re: Did I make a mistake-VDIGX or VTI?

In 2012, I opened my first Roth IRA and made the maximum contribution ($5,500). I purchased VDIGX under the impression that I was investing in an index fund. I've made additional annual contributions to my Roth IRA and now have about $20,000 in VDIGX, all of which is held in my Roth IRA. Another th...
by Miriam2
Thu Jan 05, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 4
Views: 401

Re: Disability Insurance

How did you know it was Principal? I am working with a financial planner who got me several pre-screened quotes. I don't know BruDude, but having read his informative posts for years I would say he really knows disability insurance and life insurance and can smell a particular policy a mile away, l...
by Miriam2
Thu Jan 05, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Pulling from taxable account to fund Roth IRA
Replies: 4
Views: 705

Re: Pulling from taxable account to fund Roth IRA

lazylarry wrote:I would not chase the year, be ahead of the year.

Good advice in a powerful nutshell :happy Get It In There to Compound UP
by Miriam2
Thu Jan 05, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 67
Views: 6483

Re: Ally Bank - Is this a safe/best place to stash some cash?

Here's what you do. Go to the Redneck Bank homepage (no, I'm not making that up), here: https://redneck.bank/ Upper right, hit the little speaker icon, turn up the volume on your computer and then hover the pointer over the horse. Make sure your wife hears it. Tell her that this is your alternative...
by Miriam2
Thu Jan 05, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 4933

Re: How many $ to self fund long term care?

An interesting twist - if you do in up in long term care it probably won't make a difference whether the assets are in taxable or tax deferred. The cost of long term care will likely wipe out one's tax obligation with respect to IRA withdrawals. Perhaps a good reason not to covert all TIRA to Roth....
by Miriam2
Thu Jan 05, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Fall Break in Florida
Replies: 6
Views: 572

Re: Fall Break in Florida

I'm looking for some ideas/opinions on spending a week in Florida during the kids Fall Break (the week before Halloween). We would be going with extended family and looking to rent a house for approximately 15 people. Hmm, Halloween . . . how about the Key West Fantasy Fest, held on the last Saturd...
by Miriam2
Thu Jan 05, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 120
Views: 6217

Re: 2017 hedge fund contest

LadyGeek wrote:BTW, I won the Canadian 2016 hedge fund contest on a single long pick.

And DearLady, what did those Canadians award you for your great victory?
by Miriam2
Thu Jan 05, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 73
Views: 6531

Re: 500K milestone celebration

I know it's not a big deal to many of you guys but we became bogleheads in April 2013 and our first goal was to exceed the 500K milestone before the end of 2016: Check! A little more than 3.5 years. Strep! You're a Half-a-Millionaire! Remember the most famous half-a-millionaire, Horace Vandergelder...
by Miriam2
Thu Jan 05, 2017 1:15 am
Forum: Forum Issues and Administration
Topic: "1683 new posts and replies over 267 topics in last day"
Replies: 2
Views: 537

Re: "1683 new posts and replies over 267 topics in last day"

Bogleheads: "1683 new posts and replies over 267 topics in last day" I copied the above statistic from today's Home Page. We must be doing something right! Congratulations to everyone. Best wishes. Taylor Taylor, We are all so fortunate that you had the vision and energy to create the Van...
by Miriam2
Tue Jan 03, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 23293

Re: 2016 hedge fund contest

Apologies to the participants. I have been seriously offline. Given that the results have been duplicated, that my script seems irretrievably broken, and I'm wrestling with other alligators, I'm going to leave it be. A happy new year to all. Even though I didn't participate in this great hedge fund...
by Miriam2
Mon Jan 02, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees' Roth Conversion Conundrum
Replies: 24
Views: 2038

Re: Retirees' Roth Conversion Conundrum

Peter Foley wrote:I have run various scenarios in ORP and the Retiree Portfolio Model.

Is that forum member BigFoot's Retiree Portfolio Model, or another model?

viewtopic.php?f=2&t=97352 - Retiree Portfolio Model
by Miriam2
Mon Jan 02, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5368

Re: This is a good weekend to start tracking your net worth.

Never have formally tracked NW. I track our portfolio value though. Mostly interested in cash flow, savings rate, contributions and return. Listing the value of our homes on a balance sheet doesn't seem like particularly useful information to me. For me one use for my home is it is part of my LTC s...
by Miriam2
Sun Jan 01, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5368

Re: This is a good weekend to start tracking your net worth.

Watty, do you use a program or do you create your own excel spreadsheet? I put pen to paper, although it is a bit old fashioned :shock:
by Miriam2
Sun Jan 01, 2017 9:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 186
Views: 28523

Re: South Florida Local Chapter

Our Jan. 22, 2017, meeting will be held in the Miami Brickell area from 12 noon to 2:00 pm . We have a large room with space for everyone and we have our own CPA for a Tax Discussion. Please RSVP, however - if you have not already - so we have a good idea how many to expect. If we have already welc...
by Miriam2
Sun Jan 01, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: How to research dividends on Morningstar?
Replies: 7
Views: 375

Re: How to research dividends on Morningstar?

Is there also a way to add the variable of taxes, meaning "after taxes you pay or paid," to see the tax efficiency of the fund? I remember seeing such graphs in my Vanguard papers, but never understood how they could project this. You would have to make a manual adjustment for the tax cos...
by Miriam2
Sun Jan 01, 2017 5:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 186
Views: 28523

Re: South Florida Local Chapter

Thank you for your responses! 1030danielle - welcome! driving down?? andyhere - looking forward to meeting you LazyNihilist - bring us sailing stories 8-) CABerger - remember to turn off your interior car lamp :P Charlie - another great meeting! eando - nice to see you again :happy pennywise - pleas...
by Miriam2
Sat Dec 31, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: How to research dividends on Morningstar?
Replies: 7
Views: 375

Re: How to research dividends on Morningstar?

Make the first chart line be a mutual fund, and chart "Growth" (which is the default) and not "Price." This will chart total return with distributions (both dividends and capital gains distributions) reinvested. While you can change from "Growth" to "Price" t...
by Miriam2
Sat Dec 31, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3398

Re: Audiophiles help me with setup

Streaming Pandora or Amazon Prime or Spotify or Youtube Via the phone works for me :happy Bluetooth to Speaker: :happy http://i64.tinypic.com/2zj99a9.jpg Toons! Thank you for the picture set-up! Now I see what to do. Do you plug your Bose into the wall, then into your cell phone? No other gadgets? ...
by Miriam2
Sat Dec 31, 2016 1:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 230
Views: 26302

Re: Roll Call for the Retirement Class of 2016!

island wrote:Thanks for the updated list 22twain. I love it when retirees include their age; makes it more relevant for me as I consider when I will join the ranks.

Must I reveal my age?? :shock: Ok, Forever 21 :D

Yes, thank you 22twain for the updated list.
by Miriam2
Thu Dec 29, 2016 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to minimize taxes, invest wisely at 21?
Replies: 16
Views: 923

Re: How to minimize taxes, invest wisely at 21?

I should also add that I thought I was a good saver in my early 20s, but $40k+ at 21, plus knowing about all the various retirement accounts? Wow. Kudos to you. :sharebeer When I was 21 I think I had like 4,000 invested in a south american energy company (because the future is global and everyone n...
by Miriam2
Thu Dec 29, 2016 8:32 pm
Forum: Investing - Theory, News & General
Topic: 2017 Boglehead Contest Reminder
Replies: 14
Views: 928

Re: 2017 Boglehead Contest Reminder

My secret method: A simple combination of irrational optimism and dumb luck. I fully expect to lose the lead tomorrow. :happy Tacster, you must not give up, you must hold on. We simply cannot have Deutsche Bank win the Taylor Larimore Boglehead S&P Contest. That would throw us all into utter Co...
by Miriam2
Thu Dec 29, 2016 5:48 pm
Forum: Investing - Theory, News & General
Topic: 2017 Boglehead Contest Reminder
Replies: 14
Views: 928

Re: 2017 Boglehead Contest Reminder

Looks like Deutsche Bank should invest all my money. I'll do it for you... :wink: Tacster - do you know something the rest of us don't know, or are you in on the conspiracy with Deutsche Bank and S&P Capital? :greedy Standings - as of the close on Thur. Dec. 29, 2016 Rank Name Guess + / - 1 tac...
by Miriam2
Wed Dec 28, 2016 11:46 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 23293

Re: 2016 hedge fund contest

grok87 wrote:Yay! I'm in 3rd place now and within striking distance of 2nd.

Thank goodness, because you slipped from 1st place in Taylor's Boglehead S&P Contest to 296th place :shock: 8-)
by Miriam2
Wed Dec 28, 2016 7:16 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November
Replies: 8
Views: 1118

Re: BOGLEHEAD CONTEST -- November

As of the close of the bell today, December 28, 2016, the leaders of the Taylor Larimore 2016 Boglehead S&P Contest were . . . gulp . . . Standings Rank Name Guess + / - 1 Deutsche Bank 2250.00 0.08 ♦ 1 S&P Capital 2250.00 0.08 ♦ 1 kite 2250.00 0.08 4 BTDT 2250.10 0.18 5 tacster 2249.34 0.58...
by Miriam2
Tue Dec 27, 2016 10:46 pm
Forum: Investing - Theory, News & General
Topic: [Morningstar article for Vanguard competitors]
Replies: 5
Views: 896

Re: [Morningstar article for Vanguard competitors]

I like this part of the article, reminds me of Vanguard and the Bogleheads :happy
Educated investors make for better investors; better investors tend to have happier investment experiences; and those with happier investment experiences tend to come back for more. Win, win.
by Miriam2
Tue Dec 27, 2016 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Big drop in Vanguard Wellington Fund on Dec 23
Replies: 11
Views: 2959

Re: Big drop in Vanguard Wellington Fund on Dec 23

For future reference, to determine when your Vanguard funds are going to have their December year-end distributions, you can go to the Vanguard web site and find the list. Here is the article for this December: https://personal.vanguard.com/us/insights/article/cap-gains - "Estimated year-end di...
by Miriam2
Mon Dec 26, 2016 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Minnesota Bogleheads Meet Nov. 12, 2016
Replies: 45
Views: 4477

Re: Minnesota Bogleheads Meet Nov. 12, 2016

For those Minnesota Bogleheads who cannot attend your January 2017 meetings because you need a little tropical warmth to defrost your bones :shock: our next South Florida meeting in balmy Miami is set for Sun. Jan. 22, 2017, from 12 noon to 2:00 pm. Miriam, I'll be down in south Florida this January...
by Miriam2
Mon Dec 26, 2016 4:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 186
Views: 28523

Re: South Florida Local Chapter

Just a reminder for our next meeting in balmy Miami on Sun. Jan. 22, 2017, from 12 noon to 2:00 pm. The location will be posted soon. We are still looking for a lovely beach side cabana with swaying palm trees 8-) Marilyn - looking forward to meeting you! Haven't heard from any Minnesota Bogleheads ...

Go to advanced search